Loans and Secured Loans    

Well think again - because Scrouge's Great Loans Offer is now on!

Loads of amazingly cheap loan deals with the lowest interest rates and the best terms.

Scrouge works alongside ClickLoan one of the UK 's top brokers who have direct access to all the top providers in the UK . Your details arrive at ClickLoan within seconds and one of their experts will phone you personally to chat to you about your needs. They'll then give you a range of incredibly cheap quotations.

And Scrouge doesn't mind if you've got a poor credit history. Whatever your circumstances or reason for seeking a cheap loan you won't need to go anywhere else! Even if you're looking for the best secured loan, personal loan, tenants loan or debt consolidation loan, Scrouge and ClickLoans will oblige. ( Click here to see APR rates and Statutory Warnings )

ClickLoans will contact you within 2 business days with not one, not two, but a whole selection of cheap Deals just for you.

Never borrow more than you need - you'll only end up paying more back interest and your monthly repayments will be higher.

Remain in control - make sure you know exactly what the monthly loan repayments will be and how much you'll pay back in total.

Make "like for like" comparisons - the APR's are based on a standard formula set down by UK law. This enables you to make an exact comparison of the interest rates on the loans you are being offered.

Lenders are different - lenders charge different interest rates and some may charge some extras like legal charges or administration charges. Check closely what they are offering.

Watch out for the small print - although the lowest APR is always the main factor for a cheap loan, you should always check out the small print as any extra conditions will always be found there. Be wise - sometimes it isn't the loan with the lowest APR that suits you best.

Make one loan application at a time - please be aware that all your applications will be recorded on the credit files held by centralised credit agencies. Multiple applications are certainly frowned upon by banks, mortgage lenders and other lenders and to making multiple applications will usually reduce your credit rating. The centralised credit agencies hold their computerised records for years.

Consider insurance for your loan - if you were to lose your job, have an accident or become sick, you will still have to make your repayments. So it's a good idea to take out insurance - especially if you have a secured loan. (i.e. the loan is secured on your house).

If you can't meet you monthly repayments, t alk to your loan provider - if you cannot meet your loan repayments, then immediately get in touch with your lender to discuss the financial problems you are experiencing. They will usually try to be accommodating and discuss your options. You can then decide the best course of action.

Finally, always check out the alternatives - Will your mortgage lender give you a better deal by extending your mortgage rather than you taking out a secured or unsecured loan?