IF Personal loan
Intelligent Finance – IF for short – was formed in 2000 and it is part of the Halifax plc (which is now part of the HBOS Group, a merger of the Halfiax and the Bank of Scotland in 2001).
IF offers a wide range of finance products, the core areas being: mortgages (including offset mortgages), current accounts, savings, personal loans, insurance, and credit cards.
The company have two offices – both in Scotland - and they employ around 1,200 people.
The Intelligent Finance unsecured personal loan product can be used for any purpose. For example, from buying a new car to a having a dream holiday; to paying for a wedding to consolidating a debt.
Benefits of the IF personal loan include exclusive online rates as well as no loan repayments for the first two months of your loan (though interest will be charged from day one of your loan).
Intelligent Finance has scooped many trade and consumer awards since its birth, including the Best Centralised Lender of the Year (two year cost) in the What Mortgage 2004 awards; and in 2003, the award for Best Flexible Lender in the Moneywise awards.
Their Offset product is rated as one of the UK’s most comprehensive Offset Mortgage products available.