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[quote][i]Originally posted by A2H GO[/i] Look into the Ts & Cs on lump sum repayments. If there are no charges get the £5k loan and pay off £1k using the money straight way. Leaving with a £4k loan on the lower interest rate. With my current loan (Natwest) they allow lump sum repayments with no charge but if you pay the loan off there's a charge on the % you pay off. So technically if you owe £3k you could pay off £2999 with no charge, and then pay the loan off using £1 and just get charged a % of this. :thumbs: [/quote]
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