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You have been staring at that car, that jewelry, the new apartment for too long now. It is about time you took a stand and did something about it. There are many loans you can take in the UK whether as a student, immigrant or resident, that will help you to settle any bills you have pending and pay for that item, trip or course you have been eyeing for too long. If you are wondering just what opportunities exist for loans in UK and what the types are, this post brings you all of those details. The various broad types of loans in the UK are detailed below and if you are looking for the perfect loan so you can get that item you have always wanted, the first place to start is knowing what kinds of loans there are: Personal loans A large percentage of all loans taken worldwide are personal loans, and the UK is no exception. Personal loans are also known as unsecured loans in the UK, because the loans are given with no security, as they are loans that are taken based on the individuals personal credit rating. Borrowers can get up to £25,000 to be repaid over 10 years. Secured loans Unlike the personal loans which are unsecure in the sense that the bank or lending facility does not have any collateral or security against the loan, the secured loans are a lot different. First of all, the property of the borrower is used as a collateral or security on the loan. Thus, failure to remit or to finish repayment leads to seizure of the property by the bank or credit facility. Amounts for borrowing can be up to £100,000, payable over 25 years. Debt consolidation loans A credit card payment here, a subscription to Tesco on the other hand, power and water bills on another hand, and then the almighty mortgage; it’s enough to make you go crazy. With a debt consolidation loan, the borrower is able to access enough money to pay off all his debts from the different creditors while consolidating the newly accrued debt into one account. From this account, the borrower can service the debt as one. This particular method serves to simplify the finances of the borrower. Student loans Similar to student loans worldwide, student loans in the UK can cater to either the tuition or the maintenance fees, or both, depending on the course the student is offering and the policy of the lending facility. However, for all the student loans in all parts of the UK, repayment is only mandated to begin after the student finishes the course. Payment is usually variable rate (3.9+%), dependent on the income of the student post graduation. So there you have it, the major types of loans to be found in the UK. Walk into any bank or credit company and inform them of your desire to take a loan, they will definitely be very interested and ready to furnish you with more information. ...