LOANS

Welcome to our Loans area. We compare different types of loan so that you can work out which is best for your financial circumstances. Before you apply for a loan make sure that you read the terms and conditions thoroughly to ensure that you fully understand exactly what you are getting into. Work out exactly how much interest you will have to pay on the loan and make sure it is affordable.

        

Compare Loan Products

What type of loan are you looking for? You can find a variety of borrowing options on Which Way To Pay Ireland, whether you need a small loan to tide you over or a larger amount for a wedding or holiday. If you are struggling with debts, you may be on the lookout for a solution. Debt consolidation loans offer just one straightforward way of gathering up your debts into a more manageable regular payment, leaving you with more time to concentrate on what matters most. View our loan comparison pages by clicking on the links below.

Payday Loans

Payday loans are fast cash loans that are designed to tide you over until your next pay day. You can usually borrow between around 100 and 1,000 and getting the loan is usually easy, even if you have a bad credit rating. Many payday loan providers accept most applications so if you have arrears, existing credit card debts, court judgments or are facing home repossession you could still be eligible for a payday loan.

In Ireland, payday loans are not as widely available as in the UK. However, there are providers available for Irish customers, so take a look in our Payday Loans comparison area. Note that most payday loans carry an interest rate which reflects a higher risk level the lender may charge higher rates to balance the lower credit rating of the customer.

Bad Credit Loans

If you have a less than perfect credit history it can be extremely difficult to find a loan. However, contrary to popular belief loans for people with bad credit are available. Most bad credit loans are secured loans which means that you must supply an asset as collateral for the security of a loan. However, there are also unsecured loans which are available but the interest on these loans can be quite high.

If you are applying for a bad credit loan make sure that you shop around. Different companies will offer different rates of interest which can make the loans more or less expensive. Always read the terms and conditions of bad credit loans thoroughly. Bad Credit loans are serious financial products and should be treated as such.

Consolidation Loans

Take the first steps to freeing yourself from debt with a debt consolidation loan. If you are having trouble managing your finances, you are certainly not alone. There are thousands of people in Ireland who are in just the same situation as you. With an expert debt consultant you can figure out the best way to cope with and repay your debts.

Take the first steps to freeing yourself from debt with a debt consolidation loan. If you are having trouble managing your finances, you are certainly not alone. There are thousands of people in Ireland who are in just the same situation as you. With an expert debt consultant you can figure out the best way to cope with and repay your debts.

Whether you have mortgage arrears, credit card debts, personal loan or overdraft debts or are at risk of losing your home, a debt consolidation loan may be a suitable option for you. With the loan, you will be left dealing with one monthly payment rather than struggling to juggle multiple obligations at once.

You will find a variety of debt consolidation loans on Which Way To Pay Ireland, so that you can compare and weigh up which one could suit your situation and provide a possible solution.

Personal Loans

Whether you need a bit of extra cash for a holiday, a wedding or home improvements, a personal loan is probably the simplest option for you. You can get personal loans from most banks in Ireland and the offers vary greatly so take your time and compare the options!

Personal loans are sometimes known as 'unsecured loans'. That means the debt is not secured to any of your assets (such as a house or car).

Most personal loans in Ireland range from 300 to 125,000 but the amount varies according to which lender you use. The terms on the loan might vary too you may be able to defer your first payments or tailor your repayments according to your individual needs, from weekly to monthly.

As with any type of loan, a personal loan will carry an interest rate, set by the bank according to the current base interest rate and your personal circumstances. If you are a higher risk to the lender (perhaps due to a low credit score) then the interest rate you pay could be higher than for someone whose credit score is high. Compare the best personal loan offers on Which Way To Pay Ireland.

Home Loans and Mortgages

Home loans, also known as mortgages, are a popular financial product that allows people to secure a house purchase when they would otherwise not be able to afford it. A mortgage or home loan is a loan from a bank or financial institution which is based on the value of the property you are purchasing with a rate of interest attached. As a borrower you will need to ensure you put a deposit down on the property and the mortgage or home loan provider will provide you with the remaining fund enabling you to secure your dream home. You will then make monthly repayments to the lender, including interest rates, over an agreed period of time. There are numerous mortgages and home loan products on the market so it is important that you research each provider carefully. If you are in any doubt then you should seek independent financial advice this is likely to be one of the biggest financial commitments that you will make so it is important that you get it right.

Watch out for any special offers that home loan providers advertise. Sometimes you could get tempted by offers that providers advertise which look attractive but over a long period of time, are not as attractive as they might seem. Always check the terms and conditions carefully and make sure you are aware of any administration fees, valuations fees and early payment fees. If you are not able to make the repayments on your home loan then you could find that your house gets repossessed and your credit file is ruined.

Vehicle Loans

Vehicle loans, also known as vehicle finance, is one of the most important factors to consider if you are buying a vehicle and you need help with the financing. Cash is obviously the cheapest way to buy your dream wheels, however, how many of us are in a position to do this? More often than not you will have to borrow the money from a bank or financial provider to buy your vehicle. Choose the wrong vehicle loan provider and you could end up paying thousands more than you would have, should you have borrowed the money elsewhere.

Vehicle loans or vehicle finance are either in the form of consumer hire purchase agreements or personal loans. You will typically be offered hire purchase agreements if you are buying from a dealer, however, a bank will offer you a vehicle loan. Deciding which option is most suitable for you is something that you should consider in detail when researching the various vehicle loans available. The benefit of a vehicle loan is the flexibility that you have when it comes to paying back the loan. Should you fall behind on your payments, you can always sell the vehicle and pay off the vehicle loan. Usually the lump sum can be paid off during the agreement, subject to terms and conditions. However, this is not always the case so it is important to check this when you take out your vehicle loan.

        


Please note that Which Way To Pay Ireland www.whichwaytopay.ie is not authorised to give personal financial advice under the Republic of Ireland's financial regulations.

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