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Check out peer-to-peer lending If you’re anti-banks you might want to borrow from a peer-to-peer lender such as Zopa.The site, “a marketplace for social lending”, links borrowers and lenders.For example, existing Natwest customers are offered a rate of 7.9 per cent - 2.3 per cent above the rate offered by Derbyshire BS.2.Check the small print Before you apply for a loan, check the small print to see if you’re eligible. Sainsbury’s Bank offers a loan rate of 5.6 per cent, for example, but applicants must have a Nectar Card and have used it at Sainsbury’s in the past six months.The APR (annual percentage rate) tells the true cost of a loan taking into account the interest payable, any other charges, and when the payments fall due.Your bank may say it offers preferential rates to its current account customers but you might still find there are cheaper loans available elsewhere.Many loan providers will apply a charge if you wish to do so, so it’s a good idea to check how much this might cost before you apply for a particular deal.If you think there is a good chance you will want to settle your loan early, it may be worth searching for a deal that comes without any early repayment charges.4.
Shop around As with any financial product, when it comes to taking out a personal loan it pays to shop around and compare APRs.
Even e Harmony, which was once known as a more conservative Christian-oriented site, has become more mainstream in recent years.
It has the same number of Christian users as non-Christian users, according to its chief executive officer, Grant Langston.
However, if you don’t think you will be able to repay your debt within the 0 per cent offer period, you may be better off with a long term, low rate deal.
Right now, the Sainsbury’s Bank Low Rate Credit Card offers a rate of 6.9 per cent APR on purchases.7.