Personal loans - also known as unsecured loans - are where you borrow a sum of money from a lender and agree to pay it back over a set period in fixed monthly repayments
Two million people with credit cards warned not to use them from Friday onwards birminghammail.co.uk - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from birminghammail.co.uk Daily Mail and Mail on Sunday newspapers.