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This seems to have had an interesting effect on the cheap loans market as people are less inclined to move – and are instead looking to stay and improve their current homes by taking cheap loans for home improvements. Many people view borrowing as a bad thing but in many cases loans, when carefully considered and used sensibly can actually be used to enhance what you already have (both plastic surgery and home improvements are prime examples of this). Where a breast enlargement may improve your quality of life an extension or improvement on your home such as a conservatory or new kitchen may actually increase its value. The average extension in the UK costs £35,000 but may increase your homes value by £65,000 making intelligent borrowing an interesting proposition. loan programs car title loan atlanta car loans+no credit checks horrible credit personal loan gate y loan