{"id":4150,"date":"2019-09-24T10:18:06","date_gmt":"2019-09-24T10:18:06","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=4150"},"modified":"2022-08-23T09:29:11","modified_gmt":"2022-08-23T09:29:11","slug":"how-to-get-the-best-rate-on-a-personal-loan","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/","title":{"rendered":"How to get the best personal loan rate"},"content":{"rendered":"\n<p>There are plenty of reasons why you might need a personal loan, whether it\u2019s for home renovations, the wedding of your dreams, or to consolidate debt. There\u2019s a lot to consider in order to get the best personal loan rate. One of the main things you\u2019ll want to weigh up is the APR you are offered.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#What_is_the_APR\" >What is the APR?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#Before_you_get_started_you_need_to_work_out\" >Before you get started, you need to work out:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#How_much_do_I_need_to_borrow\" >How much do I need to borrow?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#When_do_I_want_to_pay_it_back\" >When do I want to pay it back?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#Dont_just_apply\" >Don\u2019t just apply!<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#Check_out_your_Credit-Score_Factors\" >Check out your Credit-Score Factors<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#Have_a_little_patience\" >Have a little patience<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#Make_sure_youre_a_member\" >Make sure you\u2019re a member<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#Consider_a_Credit_Card\" >Consider a Credit Card<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#Borrow_more_money\" >Borrow more money.<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#In_Short\" >In Short:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/how-to-get-the-best-rate-on-a-personal-loan\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_APR\"><\/span>What is the APR?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>APR stands for Annual Percentage Rate. This is the annual rate you will be charged for borrowing money, it is portrayed as a percentage. Your APR and your personal loan rate are the same thing.<\/p>\n\n\n\n<p>Don\u2019t worry, you won\u2019t have to work out the maths yourself, as the lender will often do this for you. Generally, you\u2019re looking for the lowest rate. This is a great way to compare different loans at a glance.<\/p>\n\n\n\n<p>So if you see a loan that has an APR of 3.9% and another\nwith an APR of 10.4%, you know right away that you\u2019ll be charged less interest\non the first one.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Before_you_get_started_you_need_to_work_out\"><\/span>Before you get started, you need to work out:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_do_I_need_to_borrow\"><\/span>How much do I need to borrow?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A quick calculation of the average amount you will need is fundamental to getting the best personal loan rate. If you borrow too much, you may be paying back a lot more, or need to pay back early. Too little, and you could need to take out a further loan, destroying your chances of a great rate. <\/p>\n\n\n\n<p>If you\u2019re doing home renovations, get three different cost\nestimations done and go with the one in the middle \u2013 make sure you consider\neverything! If you\u2019re consolidating debt, simply add up all of the different\ndebts you\u2019re consolidating and this is the amount you\u2019ll need to borrow. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_do_I_want_to_pay_it_back\"><\/span>When do I want to pay it back?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are two ways you can do this. You can either decide outright how long you want to be paying the money back and divide the total borrowed (plus your personal loan rate) by that. For example:<\/p>\n\n\n\n<p>10,000 over 60 months\nat 2.9% APR = 179.07 per month.<\/p>\n\n\n\n<p>Or, you can work how much you can feasibly pay per month and\ndivide your total amount by that \u2013 this is a ballpark figure of how many months\nit will take to pay back. For example:<\/p>\n\n\n\n<p>\u00a310,000 at 2.9% APR =\n\u00a310,744.20 \/ 200 per month = 53.87, so an average of 54 months.<\/p>\n\n\n\n<p>Now you have this information, you can start to search for\nloans. Approach this with care \u2013 don\u2019t make an application on impulse, I\u2019ll go\nthrough why later. Credit-Score\u2019s\nloan search feature is great for searching for loans, as it only\nperforms a soft search on your account and uses your full credit report to\ndetermine the APR you\u2019ll be offered. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dont_just_apply\"><\/span>Don\u2019t just apply!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you see a great deal, don\u2019t just apply for it. This isn\u2019t a job search; you don\u2019t get to apply for everything out there then choose the best when the offers come rolling in. Making several applications for credit in a short time frame will knock your creditworthiness, even if they accept you! If you\u2019re unsure about the difference between soft and hard searches, check out this article. Make sure you use a site that uses a soft search to determine your suitability. A soft search cannot be seen by lenders, meaning you can search all day, and you\u2019ll be the only one that\u2019ll ever know. Credit-Score\u2019s personalised loan search tool will only ever use a soft search. <\/p>\n\n\n\n<p>Spend time compiling a list of three or four loans and take\nthe time to compare the differences between them. If you\u2019ve recently been\nrejected for credit, wait several months before trying again to prevent\nyourself from looking desperate for the money. If you do, then lenders will\nincrease the APR they offer you. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Check_out_your_Credit-Score_Factors\"><\/span>Check out your Credit-Score Factors <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Increasing your creditworthiness is the best way to get a\nbetter rate on your personal loan. You need to make sure everything is in the\nbest place it can be:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Credit Cards<\/h4>\n\n\n\n<p> If you have a high balance currently sitting on your credit card, or you tend to only pay back a small amount each month, then lenders will be less likely to offer you a great rate. Make sure you keep these balances low and pay the balance in full every month.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Affordability<\/h4>\n\n\n\n<p class=\"has-text-align-left\">If you\u2019re using a large chunk of your monthly income on paying back debt, then a lender will assume you cannot afford to take on more debt. <\/p>\n\n\n\n<p>Payment History: If you\u2019ve missed payments\nrecently, you might be offered a higher rate of interest. It\u2019s a good idea to\nensure that you\u2019re always paying back on time. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Credit Activity<\/h4>\n\n\n\n<p>Typically, the more borrowing accounts you have, the more likely you are to be accepted, especially if there\u2019s a mix of different types of credit. If you don\u2019t have any borrowing accounts at all, then you may be better suited to a credit building card.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bad Credit<\/h4>\n\n\n\n<p>If you have any CCJs, IVAs, Defaults, or are Bankrupt, then you\u2019ll almost certainly be offered a much higher rate if you\u2019re accepted at all. If it\u2019s been almost been 6 years since you received this bad credit, then you\u2019ll benefit from waiting until 6 years have lapsed.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Credit Stability<\/h4>\n\n\n\n<p>Not being on the <a href=\"https:\/\/www.gov.uk\/electoral-register\" target=\"_blank\" rel=\"noreferrer noopener\">electoral roll<\/a> can often be a deal-breaker when applying for credit, double-check that you are registered. Your residential and job status can also affect the rate you are offered \u2013 if you have recently moved house or jobs, give yourself a few months before you apply. If you are about to move house or jobs, then apply before you move. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Have_a_little_patience\"><\/span>Have a little patience<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You should always shop around when applying for a loan. Just\nbecause you\u2019re borrowing money, it still costs you money. You could work out\nsaving a lot of money by looking at several different options. <\/p>\n\n\n\n<p>A tip I often give people is to shop around for a few days,\nthen wait and see what ads appear on my Facebook feed. Facebook advertising is\nvery clever, so suddenly, all the offers will come to you. If you don\u2019t see any\noffers as good as the one you found before, you can go back and apply. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Make_sure_youre_a_member\"><\/span>Make sure you\u2019re a member <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In some cases, such as with Sainsbury\u2019s Bank, you\u2019ll get a\nbetter rate of interest if you\u2019re a member of their loyalty scheme. If you have\na Nectar Card, you\u2019ll get a rate at 1% lower \u2013 this might not sound like much\nbut could be a great deal of money in the long run. <\/p>\n\n\n\n<p>Have a look at the website of a potential lender to see if\nyou can benefit here. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consider_a_Credit_Card\"><\/span>Consider a Credit Card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In some cases, it could be more appropriate to take out a\ncredit card, rather than taking a loan. If you\u2019re in need of a smaller amount\n(less than \u00a35000), and may wish to pay it back early, this is a great option. <\/p>\n\n\n\n<p>There are loads of 0% interest cards on offer, sometimes for\nup to 30 months. As long as the balance is \u00a30 on the day the higher interest\nrate kicks in, you won\u2019t pay a penny more than the amount you have borrowed. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Borrow_more_money\"><\/span>Borrow more money.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Trust me here, sometimes, borrowing more can cost less\nmoney.<\/p>\n\n\n\n<p>Take this example:<\/p>\n\n\n\n<p>You need \u00a32000 for 2 years, you get a\nrate of 24.9%, meaning you\u2019ll pay back a total of \u00a32,500.56. <\/p>\n\n\n\n<p>The cost to you is \u00a3500.56.<\/p>\n\n\n\n<p>If you instead borrowed \u00a33000 for 2\nyears, you\u2019ll pay a rate of 10.6%, meaning you\u2019ll pay back a total of\n\u00a33,326.40.<\/p>\n\n\n\n<p>The cost to you is \u00a3326.40.<\/p>\n\n\n\n<p>In this case, <strong>borrowing more could\nsave you \u00a3174.16<\/strong><\/p>\n\n\n\n<p>You might feel strange about having that extra \u00a31000, but\nyou don\u2019t have to spend it. Keep it aside for the sole purpose of paying back\nthe money: <\/p>\n\n\n\n<p>By borrowing more, your monthly\npayments have gone up from \u00a3104.19 to \u00a3138.60. Each month, you could take the\ndifference (\u00a334.41) out of the \u00a31000 extra you borrowed and use it to pay it\nback alongside the \u00a3104.19 that you\u2019d have been paying back anyway. <\/p>\n\n\n\n<p>Now you\nknow how it\u2019s done, you\u2019re ready to start searching for loans. If you sign up\nfor Credit-Score you\u2019ll be able to see personalised loan offers. <\/p>\n\n\n\n<p>Good luck searching!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"In_Short\"><\/span>In Short:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Don\u2019t apply for the first offer you see, make sure you shop around and make use of loyalty schemes. <\/li><li>Check your <a href=\"https:\/\/www.check.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score<\/a> lender report to ensure that your creditworthiness is top-notch. <\/li><li>Consider whether it\u2019s a good idea to take out a credit card instead.<\/li><li>Check if borrowing more money can land you a lower APR. <\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p><strong><em>Last updated by Robert Edwards, June 2022<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"There are plenty of reasons why you might need a personal loan, whether it\u2019s for home renovations, the&hellip;\n","protected":false},"author":22,"featured_media":4151,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[275,279],"tags":[442,448,449,446,447],"class_list":{"0":"post-4150","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-loans","8":"category-personal-loans","9":"tag-apr","10":"tag-better-rates","11":"tag-loan-rates","12":"tag-loans","13":"tag-personal-loan"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/09\/photo-1499750310107-5fef28a66643.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to get the best personal loan rate | Credit-Score UK<\/title>\n<meta name=\"description\" content=\"Getting the personal loan rate can be mystifying, but it&#039;s not too hard to find the perfect credit rate for you! 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