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Unless you're a whizz with financial jargon, loan to value can be a confusing topic. Keeping track of all the information you need can be overwhelming. So when you're swamped with numbers, APR's, monthly payments and terms & conditions, you can feel like you're struggling before you've even got started.

The loan amount you need might be enough to help pay for a holiday, contribute to a family celebration or pay off some existing loans. Whatever your reason for needing the money, you should be able to fully understand what you're signing up for. No responsible lender should lend you more than you can realistically afford to pay back.

As part of our responsible lending process at Car Cash Point, once you've applied and been accepted for a loan, we'll always send a representative to see you to complete the paperwork and to look at your vehicle. We do this for a number of reasons, one of which is to check the market value of your car.

Continue reading "Car Loan To Value (LTV) Explained" →

When you thought that taking out a logbook loan against your vehicle was the only answer to being in a financial tight spot, there may be another option available to you. If you're in a more fortunate position of owning a car that you don't use on a day-to-day basis, pawning that car could be a viable alternative for you.

While a logbook loan allows you to continue driving your vehicle as you normally would do while withdrawing the cash from it, pawning you car is a fantastic way to release the money from it without actually having to sell the vehicle.

Continue reading "Can I Pawn My Car? The Advantages of Pawning Over Selling" →

When loans are easier than ever to take out, our need to have funds transferred to us as quickly as possible is a big factor on what type of loan we opt for. It's not encouraging having to go through an entire application process only to be told that the money could take a week or more to be available.

Micro loans that offer us almost instant cash are on the increase in the UK and logbook loans are spearheading that popularity. One of the reasons they are so popular is that, as well as the application process being fast and easy, once approved, the funds can be available just as fast.

With this in mind, it's easy to see why logbook loans are increasingly popular as people are looking to release the equity within their car. With more and more people looking at a logbook loan as a quick and safe way to cover an impending financial need, how long do these funds realistically take to be paid?

Continue reading "How Long Will I Need To Wait For My Logbook Loan?" →

Protect yourself against recession by following these simple suggestions

'Recession' is a word you might hear on the news when the economy is suffering. If things get bad enough, banks collapse, people lose their jobs, and some even lose their homes. We're not currently in a recession in the UK, but if we were to be in one again, there are a number of things you can do. From finding out the cheapest car loan rates to opening an emergency savings account, here's what you can do to protect your financial position...

Continue reading "How to protect myself against recession" →

How to become debt-free, from the UK's leading log book loan providers on how to become debt-free

Getting a loan against your car isn't a tricky process, especially from a log book loan specialist like Car Cash Point. But it is a much harder to overcome money problems over the longer term. If you're stressing over money, you're not alone. Stats show that the average UK household will owe around £10,000 in personal debt (such as loans, credit cards and overdrafts) by the end of 2016... and that's not taking into consideration big debts like mortgages!

Here are some ways to help you overcome your money problems and improve your finances for good.

Continue reading "Log book loan, how to overcome money problems for good" →

Are you looking for quick loans at low-interest rates? Well, don't just jump on the first deal you find: first you'll need to make sure you're borrowing money from a reputable lender, and second that you understand interest rates too. Here's an explanation of all the important things you need to know:

Continue reading "A Guide to Interest Rates and Loans" →