FAQ

Answers to common worries

Is this a comparison website for loans?

No. A comparison website lists live offers from lenders. We list none; we explain how to compare offers you find elsewhere.

What question should I ask a lender first?

Ask for the total amount repayable over the full term, in writing, with every charge included. It is a simple question and the answer tells you a great deal.

How long does information stay on a credit file?

The period differs by country and by type of entry. Your national rules or a credit reference agency can give the exact time limits.

Are guarantors liable for the whole loan?

Frequently yes, if the borrower stops paying. Anyone asked to guarantee a loan should read the agreement carefully and consider taking independent advice.

What does amortisation mean?

It describes how a loan is paid down over time through regular payments, each covering some interest and some of the balance. Early payments tend to be mostly interest.

Understand your preliminary loan result

Check the inputs and conditions behind an estimate before treating it as a written offer.