Independent and Honest Personal Loans Guide

The aim of Fiscus loans is to provide you with as much information as possible on personal loans. This will enable you to make an informed choice about which product suits your circumstances and is the best option for you. At Fiscus Finance, we aim to offer advice across a broad spectrum of borrowers, including people with bad credit, and self-employed borrowers.

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Types of loan
The two main types of loan are secured and unsecured. Our personal loan guide tells you the difference between these types of borrowing. Types of secured loans include mortgages, remortgages and other debts ‘secured’ on your property. An unsecured loan as the name suggests does not require any security and could be a car loan, hire purchase agreement or in-store credit facility.

Reasons for taking out personal loans
There are lots of reasons why you might want to take out a personal loan and we will explain each of these in detail and give you some tips on how to get the best value loan.

The most popular reasons for taking out a personal loan are as follows:

• Consolidating other debts
• Home improvements such as a new bathroom or kitchen, or even an extension
• Buying a new car
• Paying school or university fees
• A family holiday or honeymoon
• Updating of electronic equipment such as your TV or home computer