Personal Finance: Best Borrowing Rates

PERSONAL LOANS

UNSECURED Telephone APR % Fixed monthly pments on pounds 5K over 3 yrs

With insurance Without insurance

Northern Rock 0345 421421 9.9% H pounds 183.14 pounds 165.56 PhoneALoan(YrksBnk) 0800 1386898 12.6% pounds 185.02 pounds 165.91 Direct Line 0181 680 9966 12.8%A pounds 183.75 pounds 166.38

OVERDRAFTS

Authorised Unauthorised

Telephone Account % pm APR % pm APR

Alliance & Leicester 0500 959595 Alliance 0.95% 12.00% 2.20% 29.8% Nationwide BS 0500 302010 Flexaccount 0.97% 12.20% 2.10% 28.3% Abbey National 0800 7317774 Bank 1.09% 13.90% 2.28% 31.1%

CREDIT CARDS

Telephone Card Type Rate APR Annual Int.free Min % pm % Fee period Income

People'sBankConneticut0500 551055 Mastercard/Visa 0.56%N 6.90%N Nil 56 days Capital One Bank 0800 9525252 Visa 0.565%N 6.90%N Nil 54 days RBS Advanta 0800 077770 Visa 0.57%N 6.90%N Nil 56 days

GOLD CARDS

Co-operative Bank 0345 212212 Base Rate Visa 0.52% 10.87% pounds 120 46 days pounds 20K People'sBankConnecticut0500 551055 Mastercard/Visa 0.56%N 6.90%N Nil 56days pounds 20K Capital One Bank 0800 9525252 Visa 0.565%N 6.90%N Nil 54 days pounds 20K

STORE CARDS

Telephone Payment by direct debit Payment by other methods

% pm % APR % pm APR

John Lewis Via store 1.39% 18.0% 1.39% 18.0% Bhs Via store 1.95% 26.0% 2.15% 29.0% Marks & Spencer 01244 681681 1.97% 26.3% 2.07% 27.8%