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And because credit unions are not-for-profit they may be more sympathetic to your personal financial situation.
To compare the interest cost of different types of credit over one month, try setting the APR on the tool above then sliding the time period to 1 month. For more information on lloyds personal loan soft search unions near you visit the Association of British Credit Unions website. Or watch this short video-clip about credit unions.
The advertised APR is the one they must charge me, right. The APR lenders show on their adverts is NOT necessarily the rate you personally will be charged. It may be just a "representative" rate. In practice lenders often charge different people quite different APRs depending on various factors including the amount borrowed and duration of the loan - so you may actually be charged more than the rate in the advert.