twjohnson's Review of Lloyds TSB Graduate Loan
11th Jan 2004
Overall Rating
- Value for money
"Optional" insurance is expensive junk. Interest rate is set fairly high.
General Comments
The Lloyds TSB Graduate Loan are Willing to extend a decent chunk of cash to help you get all kitted up for your first job. Don't accept the "optional" loan insurance they'll offer you. It is very expensive and not worth a damn, it is also nearly impossible to opt out of it later when you find out just how much of a con it is. They'll probably try to hard sell you this, but remember that the reason the interst rate is above the base rate is that they are already insuring themselves against anything that might happen to you - so don't pay twice for the privledge of protecting the bank, you can get a cheaper policy to protect yourself elsewhere.
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On average, people found this review not helpful
Members' Comments ontwjohnson's Review
VickyjustVicky
on 26th Apr 2004
| Name | Credit Rating | APR | Typical APR | Min Loan Amount | Max Loan Amount | Home Owner | |
 | Good | 7.90% | 7.90% | £7,500.00 | £14,950.00 | No |  |
 | Bad | 7.60% | 7.60% | £7,500.00 | £14,999.00 | No | |
 | Good | 7.90% | 7.90% | £7,500.00 | £15,000.00 | No | |
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WAs this loan easy to get? EG: did they place a lot of emphasis on credit ratings? I am in the process of investigating post grad loans to fund my LPC course this september! EEKK!