Loans FAQ:

• Who can apply for loans?
• What kind of loan can I apply for?
• What can I use my loan for?
• What are Tenant Loans?
• What is credit scoring?
• What are Credit Reference Agencies?
• Can I see my credit record?
• How can I contact the Credit Reference Agencies?
• The Consumer Credit Act (1974)
• What is APR?
• What interest rate will I get?
• What if I have been quoted a high APR?
• Should I take out payment protection?
• What is a secured loan?
• What is an unsecured loan?
• Do I really need a loan?
• How can I spread the cost of Christmas?
• Does ADM offer payday loans?

Credit reference agencies

  The two major UK credit reference agencies are Experian and Equifax. Their addresses are shown below:

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