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The APR on a secured loan will usually be lower than that on an unsecured loan for an equivalent amount. Secured means if you fail to pay, the lender can easily seize the asset it's secured against, and sell it ( typically a house or a car ). Unsecured means they have the hassle and cost of court or...

“ Yes. ... but to be honest, because it will end in the same month I'm less concerned with the total cost, if that makes sense? <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=72112644#post72112644" rel="nofollow" title="View original post">Originally posted</a> by Sinev89 &...

“ so I assume you are just spamming <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=72103140#post72103140" rel="nofollow" title="View original post">Originally posted</a> by Caz3121 ” It is spam - see his other posts ( which I've already flagged as such ).

As others have said, based on your salary you're very unlikely to get a loan for the amount you need. Your parents may be in a better position, and as Clapton says, you can pay them back. It may also be worth them looking at a secured loan / mortgage increase, since the money is to build an extensio...

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