- Borrow £1,000 to £15,000
- Over 18 to 60 months
- Fast conditional decision
- Quotes use soft search
- Tenants & Homeowners
- No Fees
About Everyday Loans
Everyday Loans was started in 2006 with the express intention of helping those with a less-than-perfect credit history get the unsecured loan they need. They have a branch network covering the UK. Their case-by-case approach means they can be more flexible than other lenders about when and how much they lend.
|Loan Term (months)
|Loan Amount (£)
|18 – 60
|1,000 – 15,000
- the rate you are offered depends on your credit history – the better your credit rating the lower the rate you will be offered. APR range is 19.9% to 299.9% with the representative APR being 99.9%
- you apply online (e.g. via our website) to get an instant decision and then you complete your application by visiting your local branch.
Everyday Loans scores 4.8 out of 5 based on over 2,100 reviews on Feefo and 4.7 out of 5 based on over 3,300 reviews on Trustpilot. This places them higher up the rating spectrum than many of its competitors. Rate and review them now.
Basic Lending Criteria
- Age: 18 – 75
- Minimum gross income £10,000 p.a. (single or joint applications)
- no self-employed (use a Selfy loan instead) or commission-only positions
- must be able to prove at least 3 years of employment
- Credit Status – you cannot be bankrupt, under a debt management arrangement or an IVA
- Residential Status:
- homeowners or tenants OK
- must be able to prove 3 years address history
As with any other type of credit, Everyday Loans will conduct an affordability assessment to ensure any new lending will not put undue pressure on your budget.
How the Branch Network Works
Everyday Loans has a network of branches around the UK that cover c.80% of UK postcodes – so there is a high chance that there’s one near you. They are continuing to open new branches to help extend their reach. Where there is no branch they can on occasions lend from a central team (though terms are stricter).
Once you have applied online and been accepted the branch will get in touch and arrange a time for you to visit. At this point you take any documentation with you they ask for and complete the process. The loan can be paid can be made immediately.
Compare Everyday Loans to Other Lenders
For clarity here are the key differences of Everyday Loans to the “typical” or “average” personal loan lender:
- You are soft-searched when you apply online – this does not leave a footprint on your credit file.
- Your meeting at a local branch office means they have more discretion over the lending decision.
- Loan rates are as low as 19.9% (rep. 99.9% APR).
- Excellent customer feedback.
- They do not charge any fees.
- The required branch meeting will slow down the lending process compared to one that is 100% online.
Everyday Loans’ Representative Example
Borrow £3,000 for 24 months. Representative 99.9% APR fixed. Monthly payment £237.75. Interest payable £2,706. Total repayable £5,706.
We’ll Find Your Loan
Why trudge from one lender website to the next when Solution Loans can find you the cheapest deals instantly? It’s simple to see why using our comparison service makes sense:
- We’re free to use and there’s no obligation!
- We have the widest choice of UK lenders
- An enquiry typically generates 2 to 3 loan offers (in principle)
- Our form takes just 60 seconds to complete
- It’s quick and easy to compare lender offers
- The same deals as going direct, but quicker!
- Instantly complete your chosen loan(s)
- Sign your loan agreement online to get the funds fast
Everyday Loans is a trading style of Everyday Lending Limited. Secure Trust House, Boston Drive, Bourne End, Buckinghamshire, SL8 5YS
Everyday Lending Ltd is authorised and regulated by the Financial Conduct Authority with firm reference number 724445.
ICO Data Protection Registration
Everyday Lending is registered with Information Commissioner, registration number Z9591892.
News about Everyday Loans
When there is news it will appear here.
Personal Loans Guide
If you’re uncertain which type of credit might suit you or you have a money problem then one of the guides may help you. We summarise each type of loan and its pros and cons and address issues regarding debt and credit ratings.
FAQs about Everyday Loans
Everyday Loans began in 2006 dedicated to the idea of helping those whose credit rating was impaired somehow. They operate a branch-based business that allows them to take a flexible approach to lending. The ability to meet with the applicant for a face-to-face chat means they can decide to lend in situations where a totally online lender might not. Over the years they have helped tens of thousands of people get the unsecured credit they need. The face-to-face model also means that they score highly for customer satisfaction.
Customer satisfaction levels are very high and this is driven by the use of a branch-based model. The face-to-face meetings mean that customers engage directly with people rather than some faceless online system. This appears to be a winning formula. For instance, Everyday Loans score 4.8 out of 5 on Feefo based on over 2,100 ratings and reviews.
Your initial contact with Everyday Loans is likely to be online where you will submit your credit requirements and personal contact details. If the application process approves you you will be referred to your local branch for a meeting to finalise the loan. Branches tend to be located in the UK’s major towns and cities. It is possible that if there is no local brand that Everyday Loans’ central office will contact you instead.
Everyday Loans has over 70 branches throughout the UK. They tend to be located in towns and cities and between them cover 80% of the UK’s population. There is a high chance that there is one near you.
- Bristol Kingswood
- Coventry North
- Coventry South
- East Finchley
- Kings Heath
- Leeds East
- Leeds West
- Leicester North
- Leicester South
- Lisburn City
- Milton Keynes
- North Tyneside
If you are too far from a branch Everyday Loans will refer you to their central office to deal with your application over the phone.
Yes, Everyday Loans is a direct lender offering unsecured loans of £1,000 to £15,000 for 18 to 60 months.
No, Everyday Loans is not a payday lender (what is a payday loan?). They offer unsecured loans of £1,000 to £15,000 over 18 to 60 months.
In principle, you can get a loan from Everyday Loans if you have a bad credit history because this is exactly what they were set up to do. They pride themselves in helping people whose credit rating means that they would ordinarily be rejected for an unsecured loan by high street lenders.
Like many lenders, Everyday Loans is not able to lend if you are self-employed. But the good news is that their sister product Selfy Loans may be able to help you. This even applies if you are a sub-contractor. There are certain minimum criteria to satisfy but this unsecured loan could be just what you need for either personal or business reasons.
Once you apply online and are accepted in principle your local branch will contact you to arrange the meeting to finalise your loan. You will be required to take documentation with you. The branch meeting should take no more than 45 minutes. In most cases, the branch will be able to confirm the details of the loan that it can make to you. The branch will do the necessary checks while you are there. If these are OK and if they are satisfied you can afford the repayments you should be able to leave with the cheque in your hand.
Everyday Loans will be happy to consider the early repayment of your loan. You should contact them to discuss this and there should be no early redemption fees – Everyday Loans are proud that they do not charge any fees.
“A very good site. I am really happy with this site, especially the educational part. Thanks again.”Mr. F.B. from Liverpool WRITE A REVIEW
“Great service!”Ms. M.E. from Burnley WRITE A REVIEW
“A very useful and easy to read website.”Mr. J.J. from Macclesfield WRITE A REVIEW
“I would like to thank you for your swift response…I was delighted with the service that I received from yourselves.”Mrs. A.C. from Chichester WRITE A REVIEW