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Personal Loan

3.2% APR 

  • £7,500 Loan over 5 years

Representative Example: The representative APR is 3.2% (fixed) so if you borrow £7,500 over 5 years at a rate of 3.01% p.a. (fixed) you will repay £135.29 for 60 months.

3.73% APR 

  • £30,000 - £500,000 (3 to 30 year term)

Representative Example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1% APRC

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED. IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Before you apply…

Make sure you qualify

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Cahoot loans

Cahoot personal loans are provided by Santander UK plc.

Cahoot loans features:

  • Borrow from £1,000 to £20,000
  • Repayment periods of 1 to 5 years
  • One fixed monthly repayment

To be eligible for Cahoot loans you must

  • Be at least 21 years old
  • Permanently live in the United Kingdom
  • Have a regular income of at least £6,000 a year
  • Not have been declared bankrupt, had a CCJ or IVA in the last 6 years
  • Not be intending to use the loan for the purchase of property or land, payment of utility bills, payment of tax demands, gambling or to fund any illegal activity.

Although the maximum amount Cahoot loan is £20,000 that does not guarantee you can borrow this amount. How much any lender is willing to loan you will be dependent on your credit score status and an assessment of your other financial circumstances such as your earnings and credit commitments. This will also influence the rate of interest that you may be offered.

Cahoot are a trading style of Santander UK plc - There is a diverse range of personal loan products available on the market so it is worth shopping around to ensure you get the best deal you can. You can use the calculator tool on this website to compare a selection of leading loan deals.

Before you take out any loan

As taking out a loan is an important decision you should think if you have any other options before taking one out. If you have any savings it might be beneficial to use these instead, it may be that the interest you pay on a loan will be higher than any interest you earn in your savings.

It is also important to consider if you are thinking of taking out alone to consolidate debt that spreading your payments over a longer term means you may ultimately be paying more overall than with your existing arrangements, even if the interest rate on this new loan is less than the rates you have at the moment.

There are other types of borrowing than personal and home owner loans such as authorised overdrafts and credit cards you might wish to consider.

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