Best to apply for loan at my lcoal brach or on the internet?

BANANABUS

Evening

i have a HSBC bank account ( had it for 5 years) i'm after a loan .
Am i better to go and apply face to face!
or is there no preference to applying ONLINE?


thanks JIM

tommy_a

no preference

jonesMUFCforever

Can't speak about HSBC but If I'm honest then the bank I work for offers different deals (better in most cases) for Internet banking than face to face.

regularsaver1

Also my bank does different

jonesMUFCforever

Al_Mac wrote:

That's odd, the one I work for doesn't;) But some offers are only via t'net:D

Recently Internet banking offered a Platinum card with no Balance transfer fee - in branch 2.5% fee and personal loans tend to be cheaper by an average of 1% if your credit score is amongst the elite.

monneyspinner

there's no difference, you'll obviously get the money quicker if you do it in the branch

IoweIoweitsofftoworkIgo

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debster369

Preferential rates are available online as long as you log in to internet banking and check options for you.
It can also be quicker. If it's accepted straight away you can tick a box and draw the loan down immediately saving a trip into branch to sign the agreement.