Lombard Direct Loans
Lombard Direct loans offer fixed APRs that can be as low as 6.8%, although you'll need to borrow £15,000 to get that rate. The APRs for smaller loans aren't too bad: 11.9% for sub-£5,000 loans and 6.9% for sub-£15,000 loans. It's almost enough to make you forget that Lombard Direct loans have the most annoying TV adverts ever.
About Lombard Direct Loans
Lombard Direct loans are responsible for those really annoying adverts with the talking animated telephone, but we'll forgive them for that because they offer a decent fixed APR of 6.8%. However, to qualify for that rate you'll need to borrow more than £15,000; APRs for lower amounts are 6.9% for loans of £5,000 to £14,999 and 11.9% for loans between £3,000 and £4,999. All APRs are fixed for the term of the loan.
Lombard Direct loans are unsecured, and you can borrow from £2,000 to £25,000 over two to seven years. Longer terms are available for loans over £10,000, and the usual repayment protection is available for an additional fee. Like other lenders Lombard Direct loans may offer you a different APR according to your circumstances.
There's plenty of information on the Lombard Direct loans site, and the online application form isn't particularly onerous. Ultimately unless you really hate the TV adverts, it's worth having a look at Lombard's loans.
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