Secured Loans

You can borrow any amount from £1,000 to £100,000, depending on how much you can afford to repay each month. The loan can be over any time period from nine months to thirty years.

Unsecured Loans

You can borrow any amount from £500 to £10,000, depending on how much you can afford to repay each month. The loan can be over any time period from six months to five years.

No, you can use the money from your loan for virtually any purpose. The choice is yours. The majority of our customers clear some or all of their existing credit so as to reduce their monthly outgoings to just one, more manageable monthly payment. Quite often they also raise additional cash, to buy a new car or carry out some home improvements, and, remember, with cash in hand, you can often negotiate attractive deals when buying.

Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. However this is a costly exercise for lenders which they prefer to avoid. Lenders are expected to take all reasonable steps to help clients to stay in their homes should they have difficulty in making the repayments. This has to be approved by a court. Bear in mind that even with an unsecured loan, lenders can apply to the courts to have a charge put on your property if you do not maintain the repayments.

That depends on how much you wish to borrow, and the time period that you choose to repay it over. For an indication of repayment costs, see the loan repayment tables

It is difficult to say what interest rate your loan will attract, as all loans are assessed on personal circumstances.

Arrangement and lenders fees tend to be the norm nowadays. In the past, there were large penalties charged when a loan was paid off which is where lenders created income to cover the set up costs. Since the regulations changed, lenders can only charge a small penalty and so reflect the set up costs at the beginning of the loan by adding fees to the loan. You don't pay these fees up front because they are added to the loan and you therefore spread the payment over the term of the loan which is interest bearing until the loan is paid off.

No problem if you can afford to repay the loan before the anticipated completion date. The lender will calculate the outstanding balance in line with the requirements of the Consumer Credit Act 1974. The early payment charge is normally one months interest on the balance outstanding, upto a maximum of two months

Absolutely. We treat every enquiry in the strictest confidence. We pride ourselves in our confidentiality. We are registered under the Data Protection Act (DPA). We adhere to the confidentiality guidelines set out by our trade bodies, as well as the letter of the law from the Data Protection Register and The Consumer Credit Act (CCA).

No. We would never contact them without your consent. If you have any pay slips and/or a P60, this may not be necessary. If you cannot produce pay slips, we may ask your permission to obtain a brief reference from your employer, purely asking them to confirm your position, length in employment and your annual salary. We will not supply them with any details of your loan Enquiry.

Our financial experience means we can even help if you've had problems keeping up payments in the past. We can arrange loans even if you have poor credit rating, have arrears or a county court judgement (CCJ) against you. In certain cases, but not always, an alternative interest rate may be offered. But it costs nothing to find out what we can offer you.

Consider taking out a separate insurance policy to protect you. It can be very cost effective.

Of course. As long as you've maintained your regular payments, you could borrow more – even if you haven't completed your original loan. Just give us a call and we'll gladly provide a quotation for a further advance.

Most certainly. Generally, we'd like to see two years' accounts, but even without trading accounts we can often arrange loans.

Loans which are secured on the property are simply paid off from the proceeds of the sale. But sometimes we can transfer the loan to your new property, Just let us know if you're about to move and we'll let you know your options.

You are, generally we like to see 3 consecutive pay slips, but even without these we can often arrange loans

No problem. We are able to help with a private rent reference or even without.

We will always do our best to resolve any complaint you may have to your satisfaction. In the first instance please call0845 080 1800 or write to us at Easycall Finance, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5BE. In addition, each customer also has the right to make their complaint to the Financial Ombudsman Service. They can consider complaints about a wide range of financial matters. They are completely impartial and their service is free to consumers. They aim to resolve the majority of complaints within 6 to 9 months. A customer does not have to accept any decision they make, they are always free to go to court instead. But if they accept an ombudsman's decision, it is binding on both them and the business concerned.

Consumer Helpline
0845 080 1800
complaint.info@financial-ombudsman.org.uk

Postal Address
Circle Loans
125 - 127 Union Street
Oldham
OL1 1TE