6 month personal loans right to your doorstep
Through our weekly service, a Loans at Home loan can be a convenient way to access the cash you need, when you need it. If you’re looking for a six month loan, we could offer you a repayment period of 24 weeks – just two weeks short of six months.
How does a Loans at Home loan work?
If you’re looking to take out a six month cash loan with Loans at Home, this is how it works. Firstly, you’ll need to fill in a quick two minute online application using a form on our website. If your application is approved, we’ll get in touch to arrange for one of our friendly agents to visit you in the comfort of your own home. This is what makes borrowing with Loans at Home really personal. Our agents take the time to get to know you and your specific needs when they meet with you face-to-face. Once they’ve run through the loans details and you’ve had all your questions answered, your agent may be able to hand over the cash you need on their very first visit to your home. This could be as soon as 24 hours after you make your initial application.
We make it easy for you to pay the cash back, too. There’s no need to write cheques or send cash off in the post – we’ll visit you in your home to make collections each week over the next 24 weeks. We’re always flexible about when we visit, calling in on the days and times that work for you.
Tell us the amount you want to borrow and over how many months you'd like to repay it, and we'll calculate how much your repayments might be.
Managing your finances over six months
Taking out any loan is a big responsibility. If you’re looking to take out a loan over six months it’s important to plan how you’ll pay the cash back. Take a careful look at how the payments will fit in with your other outgoings. Here are a few factors to consider before taking out a loan.
Know how much you spend
First of all, make a note of how much you spend every week. Think about rent and any household bills you have to pay, as well as outgoings such as regular travel costs, food, clothing and childcare. During the length of your loan period you will have to remember that your loan repayments will be one of your regular weekly outgoings.
Calculate your disposable income
Once you know how much money you need to get by every week, you can take this figure from your income to calculate your disposable income. Your disposable income is the money you can spend on the little extras.
Create a budget
Budgeting is a great way to stay in control of your money. Each week, make a note of the cash you’ll need for all your regular outgoings, including paying back any loans. It’s also a good idea to create a contingency fund for unexpected outgoings, such as school trips, your car’s MOT or a trip to the vet.
Get in touch with Loans at Home if payments are becoming difficult
If you’re struggling financially it’s important to take advice as soon as possible. Get in touch with Loans at Home to chat about how we can help or speak to other financial experts.
Will I be able to extend my repayment period?
It may be that your regular weekly Loans at Home payments become a challenge. Or it could turn out that you need more time to pay back your six month loan. In these situations you can talk to us about amending your payment plan.
Can I get a loan with bad credit?
Loans at Home works hard to help even those customers with bad credit. We take each application on a case-by-case basis and we’ll do all we can to find a way to help.