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Representative Example: Loan Amount – £200 | Borrowed for 10 days | Interest: £9.89.
Total Repayment: £209.89 (Fixed) | Representative APR: 728.9%
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A personal loan can help you take control of your finances.
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Why Choose Cash Comet
We offer more than just personal loans…
Choose a loan option that works best for you.
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Personal Unsecured Loans
So what is an unsecured loan? An unsecured loan is often called a personal loan and refers to the lack of collateral that is required for the application. What this means is that you do not have to put any collateral against the amount in the plan. This differs from a secured loan which does require the use of a security item, like a mortgage where you use the value of the house or a logbook loan where you use the value of the car. This means that a lender will be able to claim these items should you default on your payments. An unsecured loan has no security for the lender and as a result, can have slightly higher interest rates but it means that you do not have the chance of losing anything in the process.
What Classes as an Unsecured Loan
There are many types of unsecured loans and we work with a huge number of lenders that offer a variety of them, here is a list of some of the different loans that fall under personal finance:
- Credit Card – A credit card is a great example of rolling contract unsecured loans.
- Payday Loan – A very short-term contract usually between 14-30 days.
- Line of Credit – Based on your credit score, usually from a financial institution and can be secured if required.
- Cash Advance – Very similar to a Payday Loan but sometimes stretching for a longer term.
- Signature Loans – Sometimes called a Personal Loan, it’s the standard short term loan.
- Student Loans – Classed as unsecured loans due to the lack of collateral.
- Peer to Peer – This is a community-based loan that is done between individuals.
- Small Business – Usually unsecured due to their lack of assets with limited amount caps.
- Term Loans – The standard borrowing over an agreed amount of time short or long.
How do I Apply?
There are very few requirements involved with the application process; it doesn’t get much easier or faster than this to get finance today. You don’t have any long winded or hoop jumping criteria to follow in order to apply, it really is so simple.
- You must be over 18 years old.
- You must have proof of a UK address.
- You must have a UK bank account.
- You must receive regular pay cheques.
This is all you need to complete the application process. Once you have these details at hand then you can start the process on our application page, our online form will only take you a maximum of 2 minutes to complete. We have even streamlined the process so that there is one form for all loans. What this means is that by filling out what you want our dedicated team will find you the perfect plan to suit what you need so you don’t have to waste time researching the uses of different loans.
How Do I Get My Money?
Once you have completed the application and have been matched to a finance plan that fits your criteria there really isn’t much more to do. You simply need to accept the plan and e-sign it to continue. Once agreed, it is just a short wait to receive your money. You don’t need to worry about going to a bank or shop to retrieve your cash, having given your bank details already, the money will arrive straight into your account. On average our customers receive the money in less than 15 minutes from the time of approval which is some of the fastest transfer times on the market.
10 Tips for Borrowing Personal Loans
Here You can see some Examples of Competitors
Representative Example: Amount of credit: £300 over 3 months. Interest: £92.85. Interest rate: 180% pa – fixed. Three repayments of £130.95. Total amount payable: £392.85. Representative APR 423.80%.
Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £559.68 in 3 monthly instalments of £186.56. Interest charged is £159.68, interest rate 161.9% (variable).
5 most recent personal loan reviews
I was so surprise about service, it was quick simple and easy but not forgetting the friendly staffs. Each and everyone I spoken was so helpful and ready to go extra mile. Really good, Gooood job.
Review posted by Yusuf Abboud, Dorney
Ease Of Use
Value For Money
I was very worried about taking out a loan having never done this before but the girl made it so easy. She was nice to talk to, everything was made clear and precise, no problems whatsoever. Providing you keep up the payments I would recommend this to anyone. They kept myself and the guarantor informed every step of the way. Would definitely use Cashback again. I can now build my credit score. Any problems I can ring up and you have a personal plan. Great experience.
Review posted by Claudette Osborne, Kettering
Ease Of Use
Value For Money
Found myself looking for a guarantor car loan as I'm only 19 and so I didn't have any good credit against me to get a normal one. Not only was Little one of the lowest interest loans I found but they were really helpful and it only took 2 days from applying to getting the money in my account. Brilliant service, would definitely recommend.
Review posted by Alex Kidd, Hull
Ease Of Use
Value For Money