We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Personal Loan

2»

Comments

  • MEM62
    MEM62 Posts: 5,453 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    It's great that you're doing your research before taking out a loan. With your excellent credit score of 900+, you're in a strong position to secure a favorable rate. Ratesetter does seem like an attractive option with a 4.5% rate, but it's important to consider their checks and processing time.

    Why have you resurrected a thread that's well over a year old in order to post totally inaccurate advice?  A score of 900+ means exactly the same as a score of 17 - i.e. nothing.  It may be an idea to check your facts before attempting to offer advice.

    Probably post-building before dumping a load of spam on the forums.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.