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| Further
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| Lender/Loan: | | Northern
Rock Loan | | | | |
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| Exclusive Features: | | Applying
online takes about 10 minutes. | | | | |
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| General Loan Details: | | Rates
and terms:
?1,000 - ?4,999 7.8% APR 12 months - 120 months?5,000 - ?25,000
6.2% APR 12 months - 120 months | | | | |
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| APR type: | | Typical
rate (dependent upon circumstances). The APR quoted is charged to the majority
of applicants, others may be offered a higher rate.
The rate is fixed for
the duration of the loan.
Early redemption charge: No
Deferred repayment
option: No
Payment by Direct Debit: Yes
Minimum Age at application: 21
Maximum Age at application: 80 | | | | |
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| Rates and Fees: | | Once
your loan has been approved, the interest rate is guaranteed not to rise for the
life of the loan. There are no arrangement fees.
There will be charges incurred
on the loan for the following:
- ?30 for an unpaid Direct Debit;
- 2%
of the payment total for payments by credit card. |
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| Benefits: | | -
You can make additional payments on a regular basis.
- You choose the repayment
date when you complete the paperwork.
- Applying online takes about 10 minutes.
- If you choose express service your loan can be in your bank account the same
day Northern Rock receive your fully completed documents. There is a charge of
?35 for this facility, which is collected with your first monthly payment. Alternatively
you can choose to have your funds transferred by BACS which can take up to one
week and for which there will be no charge. | | | | |
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| Other Conditions: | xx | You
must be aged between 21 and 80 when you sign the credit agreement. You must have
a current account that has a Direct Debit facility and have been resident in the
United Kingdom for at least 3 years. You must not be unemployed. You must have
no County Court Judgements or adverse credit. Exclusions are for business use,
timeshares, gambling and speculation purposes.
There are four different types
of Loanprotect, Gold, Silver (accident & sickness), Silver (unemployment)
or Bronze, allowing you to choose the most suitable level of cover for your loan.
Loanprotect could cover your monthly repayments for up to a year for accident,
sickness and unemployment. In the event of your death Loanprotect will repay any
outstanding balance that you owe (less any arrears). |
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