When you're looking for the best secured loan UK lenders have to offer, online is the place to do your searching. These days, even the experts are suggesting that consumers shop online to find the best rates for secured loans, personal loans and mortgages. Online lenders are able to offer the best loan rates to UK consumers for a number of reasons - and that's good news for you if you're shopping the best secured loan UK borrowers can find.

Many people are concerned about security and reliability when shopping online for secured loans and personal loans. If you're one of those, it may interest you to know that even the High Street banks are making it easy to apply for a loan online. Posting their rates and loan adverts online is one way to be competitive with other lenders who ONLY deal with secured loans. These days, it's not just back pocket operations that are advertising loans online - it's the bank on the corner and the building society that your gram did business with. With all the new players on the field of banking and loans, though, it may be tough to know where to start looking for the best secured loan UK banks and lenders have on offer. Here are some tips to help you make the most of your searches and get the best UK loan deals that are out there on the net.

- Start with a trusted directory site.

Directories are your friend. A web site that gathers information from banks, building societies, credit unions and other lenders can save you hours and hours of searching through Google search results for what you need.

- Know what you can repay.

Before you even start comparing loans, you need to know how much you can afford to repay each month. That will help you decide on the right loan for you. The lowest monthly payment isn't always the best deal when it comes to secured loans. In fact, a higher monthly payment for a shorter term can save you a great deal of money over the long run.

- Compare loans side by side to rate the best secured loan UK deals.

Once you know what you can afford to repay, there are a number of different ways to compare loans to find the best deal for you. The easiest way to decide which secured loan UK lender is offering you the best loan is to compare loan rates. The typical APR that's listed is an indicator of the best loan rates that each lender will offer - but your credit history, the amount of money that you want to borrow, the term of the loan and the collateral that you put up to secure your loan will all play a part in the rate that the lender eventually offers you.