Personal Assets

Advantages: Friendly agents, quick and easy money, conveniency
Disadvantages: High interest

...Greenwoods Personal Credit is the sister company of Provident. With Greenwoods you basically borrow money and then pay it back at a fixed repayment either weekly, fortnightly or monthly. This fixed amount that you agree will never go up. These repayments are collected by an agent who, in most cases, is friendly and helpful. The agent will soon become a friend of the family. With Greenwoods, you can either have a cash loan, high-street vouchers or a £300 Visa card which is just like a debit card (it can be used in any cash machine, in shops or on the internet) If you have had a previous loan with them and you need money, then you can phone your agent and get a loan the same day, which is incredibly quick!! You can either pay your loan back over 32 weeks or 55 weeks. If you choose to pay it back over 32 weeks, then the Typical... Read review

Ciao members have rated this review on average helpful

Advantages: Low APR, no annual fee, looks pretty
Disadvantages: No reward scheme

...Lloyds TSB recently issued me with one of their Asset Platinum cards. This came as quite a surprise to me as I only earn £15,000 a year, and was under the impression that a Platinum card holder had to earn a fair bit more, but having been a good customer for a number of years (and spending a small fortune each year with Lloyds on other financial products) welcomed the offer. Two weeks after applying, my shiny new Platinum card duly arrived, along with it's not unsubstantial £3,500 credit limit. So far it seems like a great piece of plastic - 3.9% APR on transfer balances and a very competitive APR on purchases. There's no annual fee, and, I must confess, it's a bit of a status symbol really. I can actually convince friends and clients I'm slightly minted as I have a Platinum card, when actually I don't earn a small fortune or drive... Read review

Ciao members have rated this review on average helpful

Advantages: none
Disadvantages: very expensive there are cheaper options

...... Read review

Ciao members have rated this review on average somewhat helpful