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Personal loans for any purpose

Unsecured loans of up to £25,000 for any purpose

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Personal Loans

  • Loans up to £25,000
  • Tenants & Homeowners
  • Use for any purpose
  • Less than perfect credit
  • Free enquiry service

personal loan iconUnsecured Personal Loans

Borrow £1000 to £25,000 at historically low rates

In recent years High Street banks & other lenders have become:

  • very risk averse - so if you have had financial problems in the past it may prove difficult to get an unsecured loan at a reasonable rate even if you have a reliable income.
  • very competitive - it may sound incredible but personal loan interest rates (for those who banks want to lend to) are at a historic low.

How can we help you?

If you have been affected by these issues then our enquiry service can probably help. Lenders' criteria have been easing slowly and so now there are more options for you than a couple of years ago. As personal loan brokers we have access to a wide spectrum of lenders which means that we should be able to find you a number of personal loan options even if your creditworthiness is not 100%. Use our FREE, no obligation enquiry service to find out more. Most of our lenders can give an instant decision in principle meaning we can show you their specific loan offers. Many also allow you to proceed for instant approval.

Personal Loans: Summary

  • Wide choice of lenders
  • Borrow £1000 to £25,000
  • Repay over 1 to 10 years
  • Tenants & Homeowners welcome
  • Use for any purpose
  • You don't have to have perfect credit
  • Compare loan offers

Things to consider

  • Borrow only what you need
  • Repay as quickly as possible
  • Make sure you can afford the repayments
  • Be aware of interest rate bands - borrowing slightly more may reduce total costs
  • Pay off loan early if you can
  • Keep tabs on your credit file & know your credit score

Affordability & Loan Repayments

All lenders will want to make sure that you can afford your loan repayments. To explore how loan amount and loan repayment period can...

  • impact on your monthly outgoings
  • influence the total amount you pay over the life of your loan can use our flexible loan calculator. It allows you to change these values for different types of loan and calculate "Monthly Repayments" and the "Total Repayable" based on the representative APR%.

Got a Question about Personal Loans?

Our most commonly asked questions are answered below - we also have a more detailed Q&A section here.

How much should I borrow and for how long?

Lenders charge interest on the loan value for the period over which you agree to repay it. The less you borrow and the faster you repay it means the less interest you will pay in total. So, the best rule for loans is to only borrow as much as you really need, and then subject to your budget (i.e. what you can afford), repay it as quickly as you can. Our loan calculator can show you how the total amount repayable changes as you vary the loan amount and loan period.

We have lenders who can offer a wide ranges of loan values from £1,000 right up to £25,000 (£5,000, £10,000 and £15,000 are perhaps the values most frequently applied for by people).

Do you offer cheap personal loans?

Personal loan interest rates depend on a number of factors so it is hard to know in advance of applying whether you will find cheap personal loans, and "cheap" is a relative term. These factors include:

  • Your credit history and thus your credit score
  • Whether you are a homeowner or not, and if you can show 3 years of UK address history
  • The amount you want to borrow
  • The period you want to borrow for (e.g. short term to long term, which could be 5+ years)

The market is particularly competitive if you have a good credit history so there are low interest rates to be had. If you apply using our free service you'll be able to compare loan offers and see if any low rate loans are offered to you. With this in mind you'll find us great personal loan brokers as we work with a wide range of lenders covering the full spectrum from perfect credit through to poor credit.

Does it make sense to consolidate my other debts?

Take care when thinking about consolidating debt. Don't just consider the interest rate, but also the repayment period. If you are tempted to extend the repayment period to make paying off the debt more affordable think twice - making things more affordable in the short term may simply make the debt more expensive in the long term. Our loan calculator can help you work this out.

Should I consider using a credit card rather than a personal loan?

If you can get a 0% interest rate credit card that allows you up to 20 months to repay the amount you've spent without charging any interest then "yes"! Use the credit card but make sure you pay off the credit card debt within the allowable time, or transfer the debt to a new 0% card. However, credit limits on cards don't generally exceed £5000 so if you need to borrow more you should consider a personal loan.

Should I consider using a homeowner loan instead?

Not necessarily. Homeowner loans are secured on property so you need to be a homeowner (with a mortgage). If you only want to borrow a small sum (say less than £5000) then a homeowner loan wouldn't be able to help. More often than not a homeowner loan is used when the borrower needs a large sum of money - the average sum borrowed is £25,000 - £30,000.

Do your loan options include peer to peer lenders?

Yes. Our service explores a wide spectrum of lending options. There are now a number of peer-to-peer lenders to choose from, but they each have different attitudes to risk. If you have a reasonable credit score and aren't requesting too large an amount then their loans can be very competitive. Their lending rates are driven strongly by credit scores - after all the money they are lending out is not theirs but another consumer's. They can't afford to be accused of lending irresponsibly.

I've had financial problems. Can I still apply?

Yes. As we deal with a large number of different lenders and lending products there is a good chance that we will have a lender who can help you. If you feel that you have a particularly difficult set of financial problems to overcome then you should consider a guarantor loan. You can find out about these elsewhere on our site. But please remember that no loan is guaranteed.

Do I need a guarantor?

Unsecured loans with guarantors are useful if your credit history is particularly tricky. We have a separate section of this website dedicated to guarantor loans. It explains when this type of loan might be worth considering. These days guarantors don't have to own their own home, and you can borrow up to £12,000. Guarantor loans have their place in market.

If you don't believe a guarantor loan would suit you then use our personal loan enquiry form. If you are still not sure what types of loan might suit you then use our Quick Start tool.

Explainer video

All About Personal Loans

Representative Example

Loan Amount


Monthly Repayment


Loan Term

48 mnths

Total Repayment


Representative APR


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