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Interest Free Loans

Although, often called "interest free" loans, these loans usually require you to pay the interest but then, providing that you meet the requirements, you can apply for the payments to be returned to you. Thus the term "cashback loan" would be more accurate. The premise behind these loans is that there are strict requirements to be met and that some people will fail to meet the requirements. Such requirements may be, that the claim has to be sent by registered post to a specific address between two exact dates at the end of the term.

Generally speaking, most people who have adhered strictly to the terms of the loan have been able to receive their cash back. Few of these loan deals are available at the present time. There are also from time to time deals that tie a limited cashback into taking payment protection or other types of insurance.

One way that you can effectively get an interest free loan is by signing up for a credit card that offers a 0% balance transfer for a fixed period, normally around a year. This is effectively an interest free loan, although there is usually a transfer charge of around 3%