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With the new year rapidly approaching, those looking to get their finances back under control or fund a major purchase may wish to consider applying for a loan.
Such is the assertion of Alliance & Leicester, which reports that a loan could be the "first step on the way to a financially-savvy new year". Buying a dream car or booking a holiday were also stated as ideal projects which could be funded through a loan.
It was also put forward that borrowers could use a personal loan as a means of debt consolidation, in which they convert the amount of money owed to various creditors and companies through store cards and other forms of borrowing into a single low-rate monthly repayment. Indeed, research from the financial services firm showed that the typical store card charges an annual percentage rate (APR) of some 27 per cent - almost four times higher than some of the cheapest loans available. Meanwhile, high street retailers Dorothy Perkins and New Look have APRs of 29.9 and 28.9 per cent on their cards respectively. Thus, those who are indebted across multiple store cards may well find their capacity to manage their money is squeezed.
