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N Whole of Market panel
N Trusted panel of lenders
N From £1,000 to £25,000
N Rates from 5.7% to 278%
N 3-36 month repayment




N Online decision
N Responsible lenders
N Borrow up to £3,000
N Rates from 278% to 1576%
N 3-12 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 236.1% pa (variable). Representative 481.6% APR.

Easy Long Term Loans With Unsecuredloans4u

If you are applying for or paying on a loan that has a set number of payments to be paid out offer a scheduled period of time, then you are using an instalment loan. Long term instalment loans are very common and can be used for anything from mortgages, to car loans to personal loans. As common as they are, there are a lot of things about them that many people do not know. Before you apply for such a loan or you make another payment, you should know all the facts.

You May Be Able to Renegotiate Your Terms

Just because the payments are all scheduled and there is a plan to follow, that doesn’t mean the plan cannot be changed. You have to abide by the terms of the loan if you want to maintain your credit score and stay in good standing with the lender, avoiding extra fees all the while, but you should be aware that there are ways around continuing to pay what you have always paid.

If you have been making payments for a while on the finance, you may be able to renegotiate with the lender to have more time to repay the loan and therefore reduce the size of the monthly payments. This request is likely only going to be approved if you have been making regular, timely payments on the loan. If you have been skipping payments or paying late, then you are more likely to have the request turned down.

You Can Choose Your Terms Sometimes

The lender may propose a set of terms of the money, but that doesn’t mean that is your only option. If you don’t think you will be able to make the payments every month that are being proposed, then talk to the lender about changing up the payment scheme. You can either propose your own monthly payment amount or ask them what their options are.
In many cases, they will have a few options to pick from. They usually like to offer you the highest monthly payment first. They want their money back as soon as possible, after all, but they know that should you stretch out the payments, they can get more interest from you. Its win/win for them either way, so they may accept your request for different terms.

The Sooner You Pay Off the cash, the Less You Pay

You may end up paying as much interest for the money as you did for the finance itself by the time you get done paying for long-term instalment loans. That’s just the nature of any long-term loan, but it doesn’t have to be quite so bad for you.
You don’t have to stick to the minimum monthly payments. You can pay more should you like, and that’s going to cut down on how long you are paying back the agreement and how much interest you have to pay. Just know that some lenders will charge you for paying back the cash too early, and you need to find out if such a charge is required by your lender.
In most cases, though, it’s to your advantage to pay off long-term instalment loans early. You can save time and money by getting rid of them before they are due to be paid, and it ensures you don’t make late payments and hurt your credit score.

What can I do if I wish to complain? Information about complaints can be found in our complaints policy.

What if I can’t keep up my repayments? If you can’t keep up with your repayments you must contact your moneylender immediately and advise your struggling with the monthly installments some companies will adjust your monthly installments to reflect what you can afford to pay back on a monthly basis please note that this can also extend your term of the agreement and probably the amount of interest that you end up paying back. You’re never advised to just stop paying your agreement as this may result in interest being charged on the agreement and missed payments showing on your file this could make obtaining further down the line a lot more difficult.

What do i do next? Next is the fun bit you need to click on the apply button and fill out our simple online form designed to make sure the whole application as smooth and pain free as possible. The whole application process from start to finished shouldnt take you longer that 3 minutes its as simple as you can get.

*Subject to lender approval and requirements.

Hi There My Names Martin! I’m a huge sports fan fancy myself as the next Lionel Messi.. Ive been writing for the last ten years mainly in the financial niche.