I have a flexi-loan with Cahoot at 17.9% APR. Minimum payment is £99.73 on £3989.38 balance. I pay £200 a month but would like to find a different unsecured loan so that I can pay cahoot off ,reducing the interest payable and shorten my repayment time. The problem is that I am unemployed and the rates go up because of this. Anyone know of a suitable product out there?

Hey I'd have to say the best thing to do is shop around - but follow the guidelines that Moneymagpie give you in their article about Secured and Unsecured loans.