Click Compare Loans has been designed to offer a simple and easy financial comparison service for many finance related products. Click Compare is a totally free loans comparison site created to meet the needs of the finance savvy consumer; a quick and simple service designed to save customers time and money, whilst offering high quality and reliable service levels.

Click Compare is one of the UK's leading online loan brokers. The Click Compare brand is well-known on the internet and the Click Compare visitors benefit from it’s simple structure and no-fuss application pages.

Click Compare's professional and experienced staff respond quickly to customer enquiries and work hard to find Click Compare's customers the best possible deal. People borrow from Click Compare with confidence. Click Compare is a registered member of The Corporation of Finance Brokers, the Finance Industry Standards Association (FISA) and The Mortgage Code Compliance Board. 24 Hour Loan are also fully licensed by the Office of Fair Trading.

Why Shop From Click Compare?

Applying for loan through Click Compare is quick and simple. The Click Compare site processes thousands of applications every month due to Click Compare's competitive products, recognised brand and simple no-fuss application pages. Click Compare offer a fast friendly service, finding the right loan at the best rate for all Click Compare's clients. Click Compare can also help problem cases - where clients have poor credit ratings or CCJ’s. In fact Click Compare have a range of loan products to suit everyone from all walks of life for any reason whether they need to consolidate their debts, pay for home improvements or splash out on a once-in-a-lifetime holiday.

Click Compare - Secured Loans 24 Hours a Day

Secured loans, also known as home personal loans, second charge loans or homeowner loans are secured on your property by the lender as 'collateral' in the event of a default. This means that the lender has a lower risk of losing any money and can, as a result, offer a secured loan at a lower APR (Annual Percentage Rate) than an unsecured loan, which gives the lender less security. As a homeowner, it is just one of the ways you can use the equity in your property to raise finance in the form of a secured loan.

The advantages of secured loans

A secured loan has several advantages compared to an unsecured loan. Firstly, a secured loan is easier to obtain, even if you have an adverse or bad credit history. Mortgage arrears, payment defaults, even CCJs won't necessarily stop you from getting a secured loan or homeowner loan, although the terms, particularly the interest rate, will reflect your financial history and present circumstances. By the same token, if you have a good credit history, many lenders will offer secured loans of more than the equity in the property, sometimes up to 125%, so if your home hasn't increased in value as much as you had hoped, or a remortgage isn't practical, a secured loan could offer you the best deal.

Moreover, a secured loan can be quick and straightforward to arrange. Because you can keep your existing mortgage in place and you don't need to sell your home or move house and the security is assured, a secured loan can be arranged in just a few weeks and there tend to be fewer upfront charges, such as legal and survey fees and mortgage indemnity guarantees, on a secured loan.

What could you do with a secured loan?

Another benefit of a secured loan is that you can use the money for any purpose you choose. You can consolidate or reschedule other debts to make your repayments more manageable, you can pay off store or credit cards, improve your home or simply use your cash buying power to negotiate the best deals on something like a new car or holiday of a lifetime.

Click Compare - Homeowner Loans 24 Hours a Day

Homeowner loans are a type of loan popular in the UK where your home is used as security to the Lender for the money you borrow. In other words, if you dont pay back the loan, the Lender can, in extreme circumstances, sell your house in order to recoup any losses. Homeowner loans are also known as home personal loans, second charge loans or second mortgage loans. How much you can borrow with a homeowner, or secured loan depends on how much equity is in your house (the difference between your mortgage and the property's value). While the lender benefits from the peace of mind of knowing that the loan is secure, there are many benefits to the consumer of homeowner loans.

The advantages of a UK homeowner loan

Firstly, compared with unsecured loans, UK homeowner loans tend to be faster and easier to arrange. As a homeowner, you can borrow against the value in your home without spending your equity. What's more, while exact terms will vary, most homeowner loans don't require upfront legal, survey and other fees.

With a homeowner loan, you can keep your current mortgage, so you dont need to remortgage in order to realise the value of your equity and homeowner loans usually have a lower rate of interest than unsecured loans. Interest rates for homeowner loans will depend on how much you want to borrow, the repayment period and your financial circumstances, such as your credit record including any mortgage arrears and CCJs, proof of income and employment status.

What could you do with a homeowner loan?

Homeowner loans can be used for any purpose. You can use the money to consolidate and reschedule existing debts, pay off overdrafts and credit cards or simply to treat yourself to a new car, holiday, home improvements or anything you choose, by turning your equity into an asset with a homeowner loan.

Click Compare - Bad credit loans 24 hours a day

Bad credit loans are increasingly popular these days and there's no shame in it. A poor credit history can happen to anybody ­ and often does. Perhaps you need a bad credit loan because you missed some payments on a previous loan, got into mortgage arrears, had a County Court Judgement (CCJ) against you or problems with your credit cards. Perhaps it was due to circumstances outside your control, because of a divorce or redundancy, for example. In fact, it's estimated that 1 in 4 people in the UK have a poor credit history or can't prove their income and, as a result, might need a bad credit loan.

Bad credit loans have never been easier with Click Compare

In the past, having a poor or adverse credit rating would have made it almost impossible to get an unsecured loan or secured loan. In fact, many high street lenders still refuse loan requests from people with less than perfect credit scores. However, more and more lenders have come to realise that bad credit isn't the end of the world and have developed a wide range of secured and unsecured bad credit loans for people whatever their financial circumstances. At the same time, as more and more people have credit problems and the demand for bad credit loans increases, interest rates are more competitive than ever. In some cases, lenders will now ignore an adverse credit history, even minor CCJs, as long as the loan can be secured on property with equity.

Turn your equity into an asset with a bad credit loan

So if you're a homeowner and your house is worth more than the mortgage owed on it, you have an asset that you can borrow against with a secured loan ­ despite your bad credit. Even if you're not a homeowner, your credit rating won't necessarily stop you from getting a loan but you should be prepared to pay a somewhat higher interest rate on an unsecured bad credit loan.

Click Compare - Self Employed Loans 24 Hours a Day

Self employed loans used to be hard to find and expensive. But today, with more and more people working for themselves, self employed loans are not only more widely available than ever, but as interest rates have fallen to their lowest in years, more affordable. So whether you're a contractor or you run your own business, whether you have certified accounts or no proof of income, you can still raise finance with a secured or unsecured self-employed loan.

Click Compare - Self employed loans are Click Compare's business

Self employed loans are available from a wide variety of lenders and can be tailored to suit your individual financial circumstances. For example, if you have an adverse credit history or bad credit rating, such as mortgage arrears, credit card problems or payment defaults, you can still apply for a self-employed loan. If you can't prove how much you earn, Click Compare can help to source a lender who will allow you to self-certify your income. If you have certified accounts, Click Compare can look for a self employed loan that offers similar rates and benefits to those you would enjoy if you were employed.

Turn your equity into an asset with a self employed loan

If you are a homeowner and your property is worth more than the mortgage owed on it, you can borrow against that equity with a self employed loan to raise cash for whatever you want. You could consolidate your existing debts and pay off mortgage arrears, bills, credit cards or overdrafts. You could splash out on a luxury like a new car or a holiday or improve your home.