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Posted on 24 / 02 / 2006

I found your-loan when searching around for a company who could offer me a loan to consolidate my debts. I had ran up heavy debts on my credit cards like usual, with the debt emerging seemed to be never ending. I had already been refused by my bank HSBC who had an APR of 7.6%, I also tried
Lombard Direct who had an APR of 8.1% and they also declined me. Your Loan had an APR of 6.7% and over the web they approved me, I couldn't believe it to be honest. I cut down all my general expenses, and did the shortest length of the loan I could, because this helped lowered the rate I got. Do not try and be encouraged to take larger and longer loans because it just means you pay back a hell of a lot more. Just eat cans of beans for a few months and get the loan paid is my advice.

User Rating -
w. lamps

Posted on 19 / 05 / 2006

I also applied for a loan with this company but did not get the same luck as the previous reviewer. Although the process was clear and efficient and easy to fill out online, the problem occurred when my credit rating was assessed. The APR rate given seemed considerably higher than the minimum they stated for my level of graded loan. Even the fact I had a positive equity didn't seem to impress them. I think the problem was I am self-employed, I did provide proof that my next payment from work provided would be substantial and easily cover the loan it did not break any ice. I waited patiently while asking for them to reconsider the rate of repayment, but without explanation they turned me down. They later stated that to achieve the level of APR I wanted I should reapply for a loan when my circumstances changed. That was the end of communication between myself and your-loan, they were professional in our dealings but did not quite come up to my expectations.

User Rating -
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8

Your-loan state they provide the customer with the most appropriate solution they have available irrespective of their financial reward'.

Contact Details

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0870 7700 714

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Atlas House, Iceni Court, Delft Way,
Norwich International Business Park,
Norwich NR6 6BB