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As with most lenders, Liverpool Victoria quotes a typical APR cost for its loans but you should always remember that the rate you are going to be offered may differ from this figure, depending on your personal circumstances.

Although you may not take a repayment holiday with your Liverpool Victoria loan, you can opt to make no repayments for the first three months of the loan period, which may prove useful to you for budgeting purposes.

In order to be able to apply for a Liverpool Victoria loan you must be aged between 18 and 80. It is unusual for an upper age limit to be stipulated - most lenders do not bother although you would have to be a very ?silver surfer' not to qualify!

With a Liverpool Victoria Personal Loan, the interest rate and your monthly repayments are fixed throughout the loan period - so you will always know what your commitment will be from the outset.

You can pay the outstanding balance at any time, and if you do you will usually be entitled to a rebate of interest. Because the Liverpool Victoria Personal Loan is not a secured loan, you do not have to use your home as security for your loan.

Liverpool Victoria is a mutual organisation. It was originally set up in 1843 as the Liverpool Independent Legal Victoria Burial Society and was founded as a source of burial insurance to the poor. The biggest changes came about in the 1990s, following changes to the Friendly Societies Act 1992, allowing them to offer a wide range of financial products to customers and members.

The big question is: is a Liverpool Victoria loan the right loan for you and your needs. Maybe it is but maybe it isn't. In order to be sure that you have the right loan for your circumstances it is always wise to shop around. You may make sure you are choosing the right personal loan for you, you should use a comparison tool like Moneyextra's Personal Loan Search.