If you are an adult UK resident and homeowner with a regular income then you could be eligible for a low cost loan from Low Interest Rate Loans UK. Their loans can be used for whatever you wish - whether you need a loan in order to consolidate previous borrowing, to clear your credit card, to splash out on some luxuries or simply to have a bit more cash to play around with. The application process is simple - all you need to do is spend a few minutes with the online application form and wait for them to get back to you.

The website is not only functional but also very informative, explaining to the consumer the various facets of borrowing with sections covering APR, loan basics, credit ratings, repayment and considerations. There is also a handy online glossary so that you needn't be confused by any unfamiliar terms. This is a good quality site that will take the stress out of taking out a loan.