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Not having enough money and outstanding loans are students’ biggest worries, a new survey has revealed. A study by MORI on behalf of the Unite Group found the average student debt rose £525 in the last 12 months to £5,285. As well as Government backed student loans, over a third of students have an overdraft and 17 per cent have credit card debts.But the survey found students are generally confident about their finances and are working to pay off their debts.79 per cent of the students polled said they were meeting credit commitments and 42 per cent were combining university work with jobs.Moreover 89 per cent of students think the debts incurred at university are a worthwhile investment for their future, with les than a third of the student population seriously worried about loans.Nicholas Porter, chief executive of Unite, commented: “This generation of students is perhaps the first to accept and feel at ease with the fact that they will need to borrow to study and possibly work during term time to fund basic essentials. “Interestingly, while a significant proportion of students are worried about debt, they are also confident of a graduate earnings premium which will pay off their debts following graduation,” he added.

Consumers in the know can save more than £600 on the repayment charges for personal loans.In January alone Britons are set to take out £4 billion in personal loans, MoneyExpert has revealed, and the organisation has issued advice to help consumers get the best deal they can.”The difference in interest between a loan of £5,000 for example, can be as much as 8.1 per cent APR which over a period of three years would save you around £624.96 in repayments,” Sean Gardner, chief executive, MoneyExpert explained.”However, depending on your circumstances, you should not always go for the lowest headline rate as you could end up paying more. For example, you could face a penalty for clearing your loan early,” he added.Tips for consumers include being on the look out for penalties - as some loans charge for repaying early. MoneyExpert estimated that will affect 385,000 people in January alone.Consumers are also advised to check if they need payment protection insurance on the loan. Insurance protection is often cheaper as a stand alone policy, rather than part of the loan.Online loan options can be cheaper than applying in person, MoneyExpert adds. Finally, it can be worth your while to take out a slightly bigger loan than required, as larger amounts can attract smaller interest rates.MoneyExpert gives the example of a loan for £4,950, which could attract an APR of 12.5 per cent, which over five years would result in total repayments of £6,587.40. However, a loan from the same provider of £5,000, could charge an APR of 5.9 per cent, which over the same period would result in total repayments of £5,769.60.

Almost 60 per cent of people in Britain would be prepared to have plastic surgery a new study has found, with many willing to borrow money to foot the bill.A poll canvassing the opinions of 1,200 people and commissioned by Lloyds TSB has revealed that nine in ten would change something about their appearance.Furthermore, ten per cent would use a loan in order to have the procedure done, with Lloyds TSB’s Tony Gibbons underlining a shift in perception in the UK.”Figures from the British Association of Aesthetic Plastic Surgeons, show cosmetic surgery operations rose by more than half last year,” he commented.”This comes as no surprise to us as plastic surgery has become a standard request for getting a loan up there with home improvements and buying a car.”"While there’s a mixture of people requesting money for medical reasons and self-improvement, ‘plastic surgery’ is becoming less of a taboo and people aren’t shy to admit that’s what they want to spend their money on.”Banks are now increasingly fielding applications for loans relating to surgery, joining car purchases and home ownership as popular major purchases.

Rises in interest rates and concerns about the property market have not put UK consumers off loans, according to new research. A study by HSBC revealed that borrowing enquiries in January increased by 4.4 per cent.This suggests that our appetitive for loans has remained strong. In fact the figures showed a marked increase on the previous month, which registered a 2.3 per cent rise. Intense price competition in the market is clouding the picture but is clearly supporting borrowing activity,” HSBC economist John Butler told Reuters. The Bank of England raised interest rates five times between the months of November  and August

cahoot has announced it is to slash the rate of interest on its flexible loan for all new customers to 5.8 per cent APR.This makes it the lowest unsecured personal loan available online or on the high street. The flexible loan gives customers the ability to vary their repayments or make a lump sum payment, without penalty, should they choose to do so.In addition to this, cahoot also offers a fixed rate loan rate which will remain unchanged at 6.7 per cent APR. This loan allows people to borrow between £1,000 and £20,000, and as with all fixed rate products means that customers know exactly what their payments will be upfront and when their loan will be repaid.Following the Bank of England base rate increase on May 6th, cahoot will also be passing the full quarter-point rise to savers, increasing the interest rates on its savings account to 4.6 per cent AER and on its current account to 3.85 per cent AER.All of the changes will be effective from tomorrow, June 3rd.Since its launch , cahoot, Abbey’s stand-alone interactive bank, has guaranteed that its current account in-credit interest rate will never be more than 0.5 per cent AER below the Bank of England base rate.

Alliance & Leicester’s personal loans have been singled out for commendation at Personal Finance & Savings magazine’s third annual awards ceremony.Alliance & Leicester won “Highly Commended” in the “Best Personal Loan Provider” category at the London ceremony. The awards are voted for by the magazine’s 35,000 readers.Martin Fagan, editor of Personal Finance and Savings magazine said: “These awards are voted for by our readers and so are truly representative of people’s experience and views regarding financial services.”Andy Bayes, Head of Personal Loans at Alliance & Leicester added: “We are very pleased to have been Highly Commended by Personal Finance & Savings magazine in the Best Personal Loan Provider category. It is a tribute to the hard work of all our staff and our excellent product.”We have recently announced the reduction in our personal loan rate to 5.9 per cent APR - there is no lower rate in the UK - and hope to feature just as strongly in next year’s awards.”Alliance & Leicester’s website provides access to tools to help customers with their financial choices, including a Loan Calculator, which enables consumers to work out how much they can afford to borrow.Alliance & Leicester offers personal loans from as little as £1,000 to as much as £20,000, with a typical APR of 5.9 per cent for telephone and internet applications and repayment over one to five years.

Despite recent increases in interest rates Alliance & Leicester (A&L) has heavily cut its personal loan rate&L’s personal loan rate now stands just 1.65 per cent above the Bank of England’s base rate at 5.9 per cent APR.The rate reduction from 6.9 per cent means this is now the cheapest rate currently available in the UK.Andy Bayes, the head of personal loans at Alliance & Leicester explained that this reduction now made the loan even more competitive than those offered by big High Street banks.Mr Bayes added: “High street banks rely on consumer inertia to enable them to charge higher rates of interest. There has never been a better time to break ranks with the big banks.”The reduction applies to any loan greater than £7,500, and it is also available to existing Alliance & Leicester Premier current account holders and mortgage customers.Alliance and Leicester adds that there are no arrangement fees for the loans and repayment can be spread over five years.
Consumers can save as much as £1,197.00 on a five year loan of £7,500, compared with major high street banks.

An unsecured personal loan is now available from your local post office, following a joint venture with Bank of Ireland.The two companies have joined forces to offer the service through 16,500 Post Office branches in the UK. Bank of Ireland is providing a sum of around £125 million, over a ten-year period, to cover start-up and core infrastructures costs.Patrick Waldron, chief executive officer of the joint venture, welcomes the move: “We believe that the partnership between the two companies will develop into a major player in the UK financial services market over the next few years.”Findings from early pilot schemes revealed that 78 per cent of loan customers felt that it was “very good to see the Post Office offering financial services”.David Mills, chief executive of Post Office Ltd, feels the company has an advante in the financial sector: “Extensive research carried out amongst 20,000 customers clearly indicated a huge demand for financial services from a brand like the Post Office.We are trusted by our customers who appreciate our commitment to providing straightforward, good value products and services.”The unsecured loan will be available over the phone or online. This year may also see the introduction of motor insurance and savings products.

Lloyds have announced their intention to make a new personal loan available to customers at a low interest rate.A new direct marketing campaign has been created by WWAV Rapp Collins for Lloyds TSB in line with the new personal loan offering.Among the marketing involved, press, inserts and DRTV will all be used to advertise the loan which Lloyds claims is the “lowest rate on the high street” with 6.9 per cent APR.Current customers will be sent direct mail including all the details of the loan and a TV ad will include the company’s iconic black horse galloping along the sea in locations such as Portugal and South Africa.Ian Dean, head of sales and retention for personal loans at Lloyds TSB explained to Brand Republic: “The ad clearly sets out the compelling features of our offer, a top rate combined with the ability to defer repayments, along with a wide range of choice on how to apply, whether it in branch or on the Internet.”The campaign begins on April 1st and will feature in tabloid and broadsheet press and terrestrial and satellite television.

Sainsbury’s has cut its rate for online loan applications to just 6.3 per cent, the internet bank announced today.The offer will be open to those looking for a loan of £5,000 and above, but the new rate is only available until the 8th of November.Loans manager at Sainsbury’s Bank, Rachel Brereton, said: “We are committed to offering consistently competitive rates. “This special offer is perfect for anyone looking to plan a winter break away or make a special purchase in the coming months.”Customers taking advantage of the new rates do not need to make any repayments for the first three months and can receive an instant decision when they fill in their online loan application forms.If their application is accepted, their cheque will be in the post the next day.Festive research by Sainsbury’s last year found that one in five UK consumers were unable to clear their Christmas debt by the end of January and a further 168,000 estimated that is would take them more than a year to be debt-free again.