Unsecured personal loan selection

What Investment, May, 2006

Unsecured Personal Loan Selection

Figures correct as at 03.03.06

                                                    Monthly
                                                    payment

Lender                Contact                       APR

1,000 [pounds sterling]-over one year

Introductory Rates--Purchases

Northern Rock         www.northernrock.com          5.8% (a)
Moneyback Bank        www.mbloan.co.uk              5.7% (a) (#)
Amberloan             0800 587 3016                 8.9% (a)
Liverpool Victoria    www.liverpoolvictoria.co.uk   9.9% (a)
Nationwide BS         0800 302010                   14.4%
Intelligent Finance   www.if.com                    13.7% (a)
Morgan Stanley        0800 032 3022                 10.9%
First Direct          0800 242424                   15.9%
Secure Trust Bank     01274 735541                  19.5%
First Trust Bank      0800 382265                   17.5%

5,000 [pounds sterling]-over three years

Direct Line           www.directline.com            5.6%
Lombard Direct        www.lombarddirect.com         5.8%
Northern Rock         www.northernrock.com          5.8% (a)
Amberloan             0800 587 3016                 6.5% (a)
Nationwide BS         0800 302010                   6.7%
Moneyback Bank        www.mbloan.co.uk              5.7% (a) (#)
Leeds BS              0845 345 0279                 6.9% (a)
Alliance & Leics      0870 555 5555                 6.1% (a)
Tesco PF              0845 600 6016                 7.9%
Post Office           www.postoffice.co.uk/loans    7.9%

10,000 [pounds sterling]-over five years

Leeds BS              0845 345 0279                 6.9% (a)
Amberloan             0800 587 3016                 6.5% (a)
Tesco PF              0845 600 6016                 5.9%
Nationwide BS         0800 302010                   6.4%
Northern Rock         www.northernrock.com          5.8% (a)
Marbles               www.marblesloans.com          6.5% (a)
Direct Line           www.directline.com            5.6%
Lombard Direct        www.lombarddirect.com         5.8%
Post Office           www.postoffice.co.uk/loans    7.9%
Morgan Stanley        0800 032 3022                 7.9%

                      Monthly
                      payment

Lender                w/insur

1,000 [pounds sterling]-over one year

Introductory Rates--Purchases

Northern Rock         89.84 [pounds sterling]
Moneyback Bank        92.89 [pounds sterling]
Amberloan             93.19 [pounds sterling]
Liverpool Victoria    95.27 [pounds sterling]
Nationwide BS         95.62 [pounds sterling]
Intelligent Finance   95.62 [pounds sterling]
Morgan Stanley        95.74 [pounds sterling]
First Direct          98.33 [pounds sterling]
Secure Trust Bank     98.62 [pounds sterling]
First Trust Bank      99.58 [pounds sterling]

5,000 [pounds sterling]-over three years

Direct Line           164.44 [pounds sterling]
Lombard Direct        164.50 [pounds sterling]
Northern Rock         164.51 [pounds sterling]
Amberloan             168.12 [pounds sterling]
Nationwide BS         168.31 [pounds sterling]
Moneyback Bank        170.55 [pounds sterling]
Leeds BS              172.12 [pounds sterling]
Alliance & Leics      172.61 [pounds sterling]
Tesco PF              173.84 [pounds sterling]
Post Office           179.68 [pounds sterling]

10,000 [pounds sterling]-over five years

Leeds BS              220.14 [pounds sterling]
Amberloan             221.43 [pounds sterling]
Tesco PF              222.68 [pounds sterling]
Nationwide BS         224.60 [pounds sterling]
Northern Rock         229.24 [pounds sterling]
Marbles               230.10 [pounds sterling]
Direct Line           233.40 [pounds sterling]
Lombard Direct        234.45 [pounds sterling]
Post Office           236.63 [pounds sterling]
Morgan Stanley        242.04 [pounds sterling]

                      Monthly
                      payment

Lender                n/insur

1,000 [pounds sterling]-over one year

Introductory Rates--Purchases

Northern Rock         85.93 [pounds sterling]
Moneyback Bank        85.88 [pounds sterling]
Amberloan             87.25 [pounds sterling]
Liverpool Victoria    87.69 [pounds sterling]
Nationwide BS         89.57 [pounds sterling]
Intelligent Finance   90.26 [pounds sterling]
Morgan Stanley        88.09 [pounds sterling]
First Direct          90.21 [pounds sterling]
Secure Trust Bank     91.69 [pounds sterling]
First Trust Bank      90.83 [pounds sterling]

5,000 [pounds sterling]-over three years

Direct Line           150.78 [pounds sterling]
Lombard Direct        151.21 [pounds sterling]
Northern Rock         151.43 [pounds sterling]
Amberloan             152.82 [pounds sterling]
Nationwide BS         153.25 [pounds sterling]
Moneyback Bank        151.19 [pounds sterling]
Leeds BS              153.68 [pounds sterling]
Alliance & Leics      152.05 [pounds sterling]
Tesco PF              155.88 [pounds sterling]
Post Office           155.82 [pounds sterling]

10,000 [pounds sterling]-over five years

Leeds BS              196.56 [pounds sterling]
Amberloan             194.79 [pounds sterling]
Tesco PF              192.08 [pounds sterling]
Nationwide BS         194.35 [pounds sterling]
Northern Rock         191.94 [pounds sterling]
Marbles               195.00 [pounds sterling]
Direct Line           190.78 [pounds sterling]
Lombard Direct        191.49 [pounds sterling]
Post Office           200.99 [pounds sterling]
Morgan Stanley        200.98 [pounds sterling]

(a) = APR dependent on credit rating

(#) = Moneyback paid annually if PPI taken and not claimed.

Source: moneyfacts