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Provident Personal Credit - Small Loans
Provident Personal Credit provides small loans of between £50 and £500 and, in a nutshell, pretty much anyone may apply for a Provident loan, regardless of credit history, or if you have been turned down for credit before. Provident frequently offer loans to people with a poor credit history, even a CCJ (County Court Judgement), and loans are more generally provided upon your ability to demonstrate that you're able to repay, rather than your credit history. So, if you have good credit history then so much the better, but if you don't then it's no problem, and you shouldn't be concerned about applying.
There are as many reasons to apply for a loan as there are loan companies to choose from, but that doesn't mean that you don't need to do your homework. Choosing the wrong loan can prove to be an expensive mistake, and you can sometimes end up paying back many more times the amount that you borrowed. Quite simply, some loan companies are sharks, and they take advantage of those most in need. However, Provident has been in business for over a century, and is definitely not your average loan company; it is, in short, one of the rare breed of loan companies which you can actually trust.
Nonetheless, don't be fooled into thinking that Provident are going to give you money for nothing. A small loan of the type we're referring to (i.e. typically geared to those with less than perfect credit) is almost always going to cost more than some other types of credit. However, with Provident, you know up-front the exact amount of the payments you'll need to make, exactly how much you'll have repaid at the end of your loan, and the certain knowledge that the cost of your repayments will not change during the course of the loan. In fact, just those things alone make Provident a better bet than many similar loan companies.
Also unlike other loan companies, the way that you make your repayments is different. With a Provident loan an agent calls at your home every week to collect your repayments; so, no standing orders or direct debits to deal with, no cheques to post or postal orders to buy; you simply pay your small repayment amount each week to the Provident agent when they visit you, and your loan APR will always remain as agreed at the outset of the loan.
Although first-time Provident customers are limited to applying for up to £500, existing Provident customers may apply for up to £2,500. Additionally, although most customers prefer to borrow cash, others appreciate alternative forms of credit and so, if you would rather not receive cash, you can apply for Provident Gift Vouchers instead, which can be used just like any other gift vouchers in the stores of your choice.
Provident also offers a number of other products, including the following:
However, the online loan application is simple, and you will just need proof of ID, proof of your address, together with proof of your income. In some cases you may additionally be asked for your national insurance number. After submitting your application you should then receive a preliminary decision within a minute or two.
Information on all Provident Personal Credit Products at CreditShop.at Provident Personal Credit - Small Loans
Other Loans Products
One of the most frustrating obstacles some people find, when attempting to resolve a financial difficulty, is that, no matter where they turn, credit is denied. Over and over again, the familiar response is that their credit rating is not high enough, or they have County Court Judgements (CCJ's), or they have too many existing debts - or something similar. Logbook Loans ignores all of these criteria, and offers loans to anyone with a vehicle less than ten years old, against which a loan can be secured.
Many people see credit cards as the best way to obtain credit, yet it's usually the most expensive method. Personal loans, on the other hand, almost always offer a much better deal, generally providing a fixed interest rate for the length of the loan, and almost always at a much lower interest rate than a credit card. Sure, for instant satisfaction your credit card might work, but with loans available from £7,500 to £25,000 Nationwide personal loans are guaranteed to offer better deal.
If you have ever tried looking for a loan, then it doesn't take long to discover that there are usually more than a handful of companies willing to lend you money. However, as you've hopefully discovered before signing up with them, many loan companies end up creating even bigger problems for you down the road, with sky-high interest rates, and all of the accompanying hassles if you happen to be a day or two late with your payment. However, Wonga is not your typical loan company, and if you want a quick loan, with minimum hassle, then you may well decide that Wonga is the company for you.
Yes Loans is amongst the largest UK credit brokers, and specialises in providing any-purpose loans for both homeowners and tenants alike, and to those customers previously refused by other credit companies and lenders. Regardless of bad credit history or low credit score, Yes Loans offers a useful financial lifeline for many folks. Even customers previously turned down for credit because of County Court Judgements or mortgage arrears should feel comfortable applying at Yes Loans, where such issues need not necessarily present a problem.
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