| Don't take on UK unsecured personal loans thinking "Well, I can always go bankrupt if I get into trouble with the payments". This is foolish. If you go bankrupt, it will be entered in the records of the County Court, and you will find it very difficult, if not impossible, to get credit of any kind in the future, except at usurious rates. | General Consumer Tip: If you live on a fixed income, it makes no sense to get a variable rate loan. Instead, go for fixed rates. However, if your job allows you to increase your income within certain periods, you should look for e-loan that let you pay back early. That way, if you double your average income on a certain month, you may pay double that month, making the overall payback time smaller.
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| General Consumer Tip: Ideally, what you see is what you should get. Regardless, any marketer providing item-related services should have a simple list of rates and fees, The lower, the better, unless it's some fly-by-night two-year-old upstart LLC working out of a back room in Delaware.
Any product site on the internet you find should be scrutinised according to the following checklist:
- Has it got a company trade name?;
- Has it got a registered office?;
- Has it got a street address, rather than a P.O. box?;
- Has it got a telephone number?;
- How long has the seller been in business?;
- How quick are they to respond to queries?;
- How far away are they from you physically?;
- Are personnel mentioned by name on the site?
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