Can I top up my personal loan in the UK? Five lenders' terms
Tesco Bank, HSBC, Barclays, Nationwide and Post Office top-up terms side by side: combined or second loan, history needed, limits, credit checks.
Personal Loans
What happens if I miss a personal loan payment in the UK?
The FCA's arrears rules, read in its own Handbook, beside what Tesco Bank and HSBC say happens when a loan payment is missed. No guesswork on fees.
Can I make overpayments on a personal loan in the UK?
Four UK lenders' own pages, read side by side: how you overpay, whether notice is needed, any fee, and whether the term or the payment falls.
Cancel a personal loan after signing? The UK 14-day rule
Yes: Citizens Advice says 14 days to cancel, 30 to repay. Nationwide, Zable and Ocean compared on interest, the 15-day count and your credit file.
Why does my loan settlement figure include 58 days interest?
Settlement figures run above the balance because lenders may add up to 58 days' interest. Five lenders' own wording side by side, and the clause priced.
Why was I offered a higher APR than the representative APR?
The advertised rate is a marketing-rule figure, not your quote. We read FCA rule CONC 3.5 and two live loan pages to show why your APR came out higher.
Monzo vs Zopa Personal Loan: APR, Limits and Exit Fees
Monzo vs Zopa personal loan: Monzo's 23.0% APR to £10k (10.0% to £35k), no early fees; Zopa's £1k-£50k soft quote and its early repayment rules.
The UK personal loan, assessed from the cost of credit outward
The most conventional borrowing product on the British market, assessed on disclosure quality, exit terms and what the advertised rate does not tell an applicant.