Cashback - cut your bills and buy most things online cheaper

Cashback is a smart way to save money on goods and services that you would purchase anyway.

Big companies are relentlessly looking to increase their market share. They offer to pay online retailers a commission if the retailer will pass customers to them. What a cashback site does is offer to share that commission with the customer.

Take for example, home insurance: I have no choice about whether or not to take it out – I have to insure my main asset in case it burns down. I can use a price comparison site to determine a short-list of insurance companies that are competitive for people in my situation. Then I can visit a cashback site to see if any of these companies on my list offer cashback. For me one of the best was Churchill, and by going through the website Top Cashback I get £80 cashback.

Next, I've already decided I want a new Dell computer and have been on the Dell website and customized the options I want. Then when I've decided to purchase I log on to www.TopCashBack.co.uk and find Dell in the list of retailers, click through to Dell's website and place my order. Subsequently, I get 3.5% of the purchase as cashback. It's easy money.

To join Top CashBack is free. You provide your e-mail address and a password and that's it. You search though thousands of offers for the products from big companies, that you would maybe buying anyway.

Does this all sound too good to be true? Well, the drawback is that you have to wait many weeks/months to get your cashback. The supplier e.g. Churchill or Dell will wait to ensure that it's a genuine purchase, the credit card is valid. They wait in case the customer cancels during their legally entitled cancellation period. They then pay the network provider a month in arrears. The network provider then pays Top Cashback a month in arrears. So it can take a long time for the money to be payable in your account. Neither is the system 100% guaranteed because the tracking software can sometimes go wrong. But there is a contingency for Top Cashback to manually pursue your cashback on your behalf. Remember these are purchases you would make anyway because they are the best deals for you. The cashback is a very welcome bonus.

That's great for small online purchases. But cashback is now available on this website for secured loans which for anybody is a significantly large amount of money. A cashback of 2% for your secured loans is really worth having. With our cashback there is no tracking software involved and so it is a certainty that you get your all cashback.

Update as of 18th June : I have gained £274 in cashbacks in two and half months
It's becoming more widespread and was featured very positively on today's BBC2 Working Lunch programme.

What is a Secured Loan?

Homeowner loans, second mortgage, home loans, second charge, secured loans these are all related terms. Read more...

How to Avoid Damaging Your Credit File

Simple tips to protect your credit record Read more...

Credit Crunch Explained and its Impact on the UK Economy

What is credit crunch is all about? What is does it mean for us? Read more...

Secured Loans to Consolidate Credit Card Debt

Use the equity in your property to simplify your finances and save money Read more...

Secured Loans for Home Improvements

Don't delay that extension,loft conversion or emergency repair work. Protect and increase the value of your main investment. Read more...

Every Person Taking out a Secured Loan Should Look at Cashback

Why pay more for exactly the same product? Cashback is available on all UK Secured Loans. Read more...

Secured Loans For Your Wedding

Enjoy the big day in style without fretting over cost: first get the finance in place. Read more...

Secured Loans - A Review Of The UK Market

In a changing market use the internet to find the best deals Read more...

Secured Loan vs. Remortgage: The Pros and Cons

Trying to decide between a smaller secured loan or a total remortgage? Read more...

Home Loans Explained

Learn more and grasp the essentials about home loans Read more...

Lenders' Cash Funds Are Still Available Despite The Credit Crunch

But what criteria are lenders applying? Read more...

Cashback credit cards give you extra cash every time you spend

Get the best cash back credit cards and earn cashback while you spend Read more...

House Prices – Facts That Maintain The Value Of Your Home

An analysis of the latest in UK house prices Read more...

Homeowner loans : 10m of Government help on debt advice services

Details of how the government intend to improve debt advice services Read more...

Say Goodbye To Your Expensive Credit Card Balances

Too many credit cards? Here's how to make a fresh start and simplify your finances Read more...

Reasons for a Secured Loan or Homeowner Loan

Refurshing your home, buy-to-let, debt consolidation, wedding, business start-up, holiday Read more...

Home Loans : A Simple Guide

Read more...

How To Improve Your Credit Rating

Find out simple ways to improve your credit rating and credit score, and therefore get offered a better individual interest rate on your secured loan.Read more...

What is the Credit Crunch?

What are the implications of the credit crunch Read more...

Guide to Interest Rates

If you don't know your APR from your Repo Rate then Read more...

Understanding Loan Jargon

If you've come across a phrase or term related to loans that your not sure about, or you want to learn more about loans then browse the explanation in this comprehensive list of Loan Jargon terms. Read more...

Back to Advice Index