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Finding the cheapest UK personal and secured loans is easy with uSwitch.com Compare all lenders rates, terms and monthly repayments with a low APR, no arrangement fee and no early repayment fee. All you need to do is answer a few simple questions about your address, your current bank account and credit card (if you have one), and your income, among other things.>

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Many people are switching their credit card balances and reaping the rewards of a better deal. Transferring your balance can be an effective way to reduce your charges. The best credit card deal for you would have a 0% balance transfer rate and a low interest rate. There are many different credit cards to choose from that offer an introductory 0% interest rate. Some may have interest free periods as long as 12 months.


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It also says that ten credit cards had higher balance transfer fees. Samantha Owens, head of personal finance at Moneyfacts, said that rates and fees would "probably not" fall in 2008 although there might be "the odd provider who comes out with a good balance transfer deal". "The credit card market has been offering really good deals and low rates for such a long time, and obviously with the credit crunch coming in, [they have] had to reduce their fees.

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