Did you take your Monday loantime?
Yet more fun statistics have come out of the Halifax (how big is the team they have for this? Surely an example of how the banks often have more money than sense) this time pointing out that if you are applying for a personal loan, you are likely to do it on your Monday lunchtime.
This is compared with Saturdays and Sundays, with consumers three times more likely to apply on a Monday.
On top of this we apparently tend to do our online banking in work as well rather than use our internet time at home to organise our finances. That is, unless you are one of a growing number of night owls who are logging on after midnight. Quite whether those that login after midnight are doing so just before flying out of the window to bite a few necks is unclear.
The one vaguely useful piece of information came in the form of a quote from Neil Chandler, head of Halifax unsecured personal loans and no doubt head distributor of random research. He says “With an online application typically taking less than 10 minutes to complete, many customers prefer managing their finances online.”
Definitely right - I’d much rather complete an online application in a few minutes than traipse down to the bank on my lunch hour and navigate the queues of old ladies looking to cash in their penny jar!
I guess we’ll see whether or not this research leads to anybody taking out a Halifax personal loan or not, but if it does then by next week we should know the most likely colour of your underwear when paying off your credit card in full.
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