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Finance Loans

Borrow cash for specific purchases or projects

Unlike consolidation loans, which are designed to pay off existing credit, finance loans help you finance a new purchase – a car, a holiday, business equipment and so on. Expect low interest rates and plenty of products to choose from, but watch the small print.

There are three key types of loans: equity loans, which free up the value of property (usually your house), consolidation loans, which combine your existing debts in one single payment, and finance loans, which help pay for a purchase or project. Finance loans are in turn divided into two types: secured and unsecured.
Secured finance loans are for the big things in life: home improvements, cars and so on. By securing your loan against your property, the bank isn't taking a big risk and as a result you can expect low interest rates and a range of products to choose from.
Unsecured finance loans are less risky for you but more risky for the bank, so interest rates can be higher. Depending on what you're financing, there may be extra terms and conditions attached: for example, if you finance your summer holiday with a loan from Direct Line, you'll have to pay it back within two years instead of the five to seven years available with most personal loans. helps you find the best loans companies for your specific needs, and gives you background information on the various types of loans available in our loans articles, more loans articles and still more loans articles.

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