Friday, 21 November 2008
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The Central Capital Loans brand is part of Central Trust PLC, founded in 1987 and is the largest loan broker in the U.K. We offer loan plans from £5,000 to £250,000 to homeowners only.

 

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Secured Loans
Why choose a Secured Loan?

Are you looking to raise money for that special purchase? Perhaps you would like to make improvements to your home, embark on a once in a life time holiday or invest in that new car you always wanted. 

You may also like to consolidate your credit card debts into one monthly payment.Whatever your reasons, we can search our network of partners who can find a loan to suit your specific needs.

How will a Secured Loan help me?

Why Should I Take Out a Secured/Consolidation Loan?

By consolidating debts into one loan, normally a lower interest rate can be achieved, resulting in lower monthly payments. For many people this is the cheapest way to solve problem debts. However, as the term of the loan is also normally longer, you may pay back more interest over the full term of the loan.

Arrears/ CCJ's/ Defaults? Not a problem

Our partners offer a diverse range of secured loans. This enables them to arrange loans for people even with extreme financial difficulties. So whatever your financial circumstances, we can help.

A word of advice from Viset finance -

We only recommend a consolidation loan if really is used to facilitate your best efforts to return to a debt free life. If it is being used to reduce outgoings so that further credit can be afforded then a debt consolidation secured loan is not a solution.

What will Viset finance do for me?

Viset finance offer a free service where we take a few details from you regarding your individual situation. We then put forward a possible solution. Once you submit your details to us we search our database of partners and pass your details on to one of our trusted, qualified partners who will be ready to help you immediately. We do not pass your data such as your email address on to anyone except the partner who we feel can offer you the exact help your individual case requires. You have our word.

 
Unsecured Loans
Why choose an Unecured Loan?

Unlike a secured loan, an unsecured loan does not require you to have property to use as collateral for the loan. This type of loan is not secured against your assets, it is therefore more of a risk for the lending institution and more stringent criteria are used to assess applications. It is important that the lender can see evidence of a good credit history and earnings sufficient to meet regular loan repayments.

Lenders include high street banks and building societies but you may find that specialist lenders are able to offer a loan to you where the high street branches are unable to due to their less restrictive criteria or through their specialism in a particular type of borrower, e.g. the self employed, company directors, tenants, students or people with mortgage arrears, an adverse credit history and County Court Judgements (CCJ's).

What are the Benefits of Unsecured Loans?

Owing to the fact that you will not have to offer your home as collateral against the loan, an unsecured loan offer less risk to the person taking out the loan than a secured loan.

One of the main benefits of unsecured loans is the quick turnaround in applying for one. Since an unsecured loan does not require your home to be valued before the application can proceed, the turnaround from making an application to receiving an answer, and ultimately your loan, is much quicker.

Another benefit of unsecured loans is the fact that the success rate of applicants is very high, and although adverse credit records, CCJ's, mortgage arrears or debt issues will not affect the loan application, it should be remembered that the better the credit record, the better the loan terms and rates are likely to be.