Flexible Loans

Compare Flexible Loans

Featured Loan Deals
LenderMin - Max LoanCredit HistoryRepresentative APRTermApply
£7,500 - £14,999Good Credit Only3.90%1 to 5 YearsGet Quotes >
3.90% APR for new customers. 3.60% APR for existing customers. Loans of £7,500 - £15,000 for 1-5 years. Representative Example: 3.90% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.90% p.a. (fixed). Monthly repayment £183.41. Total amount payable £11,004.60. b>
£1,000 - £20,000Poor Credit48.50%1 to 5 YearsGet Quotes >
Latest Loan Deals Selection
LenderMin - Max LoanCredit HistoryRepresentative APRTermApply
£7,500 - £14,999Excellent Credit Only3.90%1 to 5 YearsGet Quotes >
  • Discounted rates for existing Nationwide customers
  • Fixed Interest Loan Rate
  • No set up charges or hidden fees
  • Instant Online Decision
  • Excellent Credit History and lived in UK for at least 1 year
  • Must earn at least £750 pm (can be combined income)
  • Must be aged 18
  • If self employed must be homeowner and supply 1 years audited accounts

Representative Example: 3.90% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.90% p.a. (fixed). Monthly repayment £183.41. Total amount payable £11,004.60.

£7,500 - £20,000Excellent Credit Only5.10%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges or hidden fees
  • Instant Online Decision
  • Excellent Credit History and not been bankrupt or had a County Court Judgement
  • Must be aged 21
  • Permanently resident in England, Wales, Scotland or Northern Ireland

Representative Example: 5.10% APR Representative (fixed). Based on an assumed loan amount of £7,500 over 48 months at an interest rate of 4.10% p.a. (fixed). Monthly repayment £161.28 & total repayable £7,741.44  

£10,000 - £1mGood Credit Only4.45% + BBR*3 to 30 yearsGet Quotes >
  • Market leading Home Loan Rate of 4.45% plus the *Bank Base Rate (Currently 0.5%)
  • Borrow between £10k to £1m
  • Market leading homeowner loan
  • 3 to 25 year term
  • Good Credit History
  • Home Owners Only
  • Maximum LTV 85% of your property
  • Must be aged 25 & have an income of £15k+

 Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Typical APR 14.1% variable..

£40,000 - £200,000 (Homeowners Only)Good Credit Only5.59%3 years to 25 yearsGet Quotes >
  • Nemo's cheapest secured loan
  • Borrow between £40k to £200k
  • No harm to your credit rating when you request quote
  • Home Owners Only
  • Maximum LTV 55% of your property
  • Must be aged 21

Representative Example: The representative APR is 6.2% (variable) so if you borrow £100000 over 25 years at a rate of 5.592% (variable) you will repay £644.38 per month & total amount payable £154,651.20. This loan will be secured on your home. 

£20,000 - £25,000Good Credit Only6.90%1 to 5 YearsGet Quotes >
  • Get a quick quote - no impact on your credit rating
  • Fixed rate
  • No set up charges or hidden fees
  • Available to existing Natwest current account holders only
  • Must be aged 18
  • Good Credit History
Representative Example: Borrow £20,000 over 5 years at a Representative APR of 6.90% paying £393.11 per month will result in a total sum of £8=23,586.60 over the loan term.
£20,000 - £14,950Good Credit Only6.90%1 to 5 YearsGet Quotes >
  • Get a quick quote - no impact on your credit rating
  • Fixed rate
  • No set up charges or hidden fees
  • Available to existing RBS current account holders only
  • Must be aged 18
  • Good Credit History
Representative Example: Borrow £20,000 over 5 years at a Representative APR of 6.90% paying £393.11 per month will result in a total sum of £8=23,586.60 over the loan term.
£20,000 - £100,000 (Homeowners Only)Good Credit6.90%3 years to 25 yearsGet Quotes >
  • Shawbrook's cheapest standard rate secured loan
  • Borrow between £20k to £100k
  • No harm to your credit rating when you request quote
  • Home Owners Only
  • Maximum LTV 65% of your property
  • Must be aged 21

Representative Example: The representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% (variable) you will repay £402.23 per month & total amount payable £72,401.40. This Loan will be secured on your home.

£1,000 - £25,000Excellent Credit Only7.00%6 Months to 5 YearsGet Quotes >
  • Peer to Peer Fixed Interest Loan Rate
  • Instant Online Decision
  • Money in your bank in 1 working day
  • Excellent Credit History Only
  • Must be aged 21
  • Minimum Income £14,500

Representative Example: Based on an assumed loan amount of £5,000 over 24 months at a Representative APR of 7.00% p.a. (fixed), you will repay £223.86 per month. Total amount you repay £5,372.64. 

£1,000 - £7,500 Good to Poor49.7%1 to 5 YearsGet Quotes >
  • RateDropper rewards you for making timely repayments by reducing your interest rate - When you make your repayments on time, RateDropper drops your interest rate - reducing your monthly repayments and the overall cost of your loan. By making timely monthly repayments you could drop the representative APR to 29.9% by year three (terms and conditions apply).
  • Same day decision
  • No upfront fees, no hidden costs
  • Fast paperless application process
  • Direct lender, not a broker
  • Any bad credit considered
  • Must be aged between 18 and 65

Representative Example: £3,500 over 36 months, repaying £187.40 per month, total repayable £6746.40. Interest rate 39.50% (fixed). Representative 49.7% APR (fixed) . 

£1,000 - £7,500 (Guarantor Loan)Good to Poor47.50%1 to 5 YearsGet Quotes >
  • Same day decision
  • No set up fees or charges
  • Any bad credit considered
  • Need a guarantor that owns a property
  • Must be aged between 18 and 65

Representative Example: Borrowing £2,000 over 24 months, repaying £121.84 per month, total repayable £2,924.16. Interest rate 39.50%..


Consollo is a specialist no fee guarantor loan provider. All bad credit considered. Please only apply if you have a HOMEOWNER GUARANTOR to support your application.

£1,000 - £20,000Poor Credit48.50%1 to 3 YearsGet Quotes >
  • Interest Rates from 19% - 99% 
  • Rebuild Your Credit
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 48.50% - Based on an assumed loan amount of £3,000 over 12 months at an interest rate of 48.50% p.a. (fixed) you would pay £670.83 a month and £3,670.83 in total.

Loans - Home Owner
ProviderMin - Max LoanCredit HistoryAPRTermMax LTVApply
£10,000 - £1mGood Credit4.45% + BBR*3 to 30 years85%Get Quotes >
  • Market leading Home Loan Rate of 4.45% plus the *Bank Base Rate (Currently 0.5%)
  • Borrow between £10k to £1m
  • Market leading homeowner loan
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 85% of your property
  • Must be aged 25 & have an income of £15k+

 Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Typical APR 14.1% variable..

£40,000 - £200,000Good Credit5.59%3 to 25 years55%Get Quotes >
  • Borrow between £40k to £200k
  • Nemo's cheapest loan
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 55% of your property
  • Must be aged 21

 Representative Example: The representative APR is 6.2% (variable) so if you borrow £100000 over 25 years at a rate of 5.592% (variable) you will repay £644.38 per month & total amount payable £154,651.20.

£20,000 - £100,000Good Credit6.90%3 to 25 years65%Get Quotes >
  • Borrow between £20k to £100k
  • Shawbrook's cheapest standard loan
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 65% of your property
  • Must be aged 21

Representative Example: The representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% (variable) you will repay £402.23 per month & total amount payable £72,401.40

£40,000 - £200,000Good Credit7.01%3 to 25 years70%Get Quotes >
  • Borrow between £40k to £200k
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 70% of your property
  • Must be aged 21

 Representative Example: The representative APR is 8.3% (variable) so if you borrow £50000 over 20 years at a rate of 7.008% (variable) you will repay £418.92 per month & total amount payable £100,540.80.

£7,500 - £39,999Good Credit7.01%3 to 25 years65%Get Quotes >
  • Borrow between £7,500 to £39,999
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 65% of your property
  • Must be aged 21

 Representative Example: The representative APR is 8.9% (variable) so if you borrow £30000 over 15 years at a rate of 7.008% (variable) you will repay £296.76 per month & total amount payable £53,416.80.

£20,000 - £100,000Good Credit7.70%3 to 25 years75%Get Quotes >
  • Borrow between £20k to £100k
  • Shawbrook's flexible low rate secured loan
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 75% of your property
  • Must be aged 21

Representative Example: The representative APR is 9.7% (variable) so if you borrow £50000 over 15 years at a rate of 7.7% (variable) you will repay £516.41 per month & total amount payable £92,953.80.

£5,000 - £80,000Fair Credit9.95%3 to 25 Years60%Get Quotes >
  • Borrow between £5k to £80k
  • Self employed accepted
  • 3 to 25 year term
  • Fair credit rating
  • Home Owners Only
  • Maximum LTV 60% of your property
  • Must be aged 21

Representative Example: The representative APR is 11.8% (variable) so if you borrow £40000 over 15 years at a rate of 9.95% (variable) you will repay £460.77 per month & total amount payable £82,938.60.

£5,000 - £40,000Good Credit10.90%3 to 25 years80%Get Quotes >
  • Borrow between £5k to £40k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 80% of your property
  • Must be aged 21

Representative Example: The representative APR is 15.2% (variable) so if you borrow £20000 over 10 years at a rate of 10.9% (variable) you will repay £313.19 per month & total amount payable £37,582.80

£5,000 - £30,000Good Credit11.90%3 to 25 years85%Get Quotes >
  • Borrow between £5k to £30k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 85% of your property
  • Must be aged 21

Representative Example: The representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 11.9% (variable) you will repay £248.35 per month & total amount payable £29,802.00.

£5,000 - £30,000Good Credit14.90%3 to 25 years90%Get Quotes >
  • Borrow between £5k to £30k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 21

Representative Example: The representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 14.9% (variable) you will repay £248.35 per month & total amount payable £29,802.00.

£5,000 - £30,000Good Credit14.90%3 to 25 years95%Get Quotes >
  • Borrow between £5k to £30k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 95% of your property
  • Must be aged 21

Representative Example: The representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 17.3% (variable) you will repay £248.35 per month & total amount payable £29,802.00.

£10,001 to £50,000Poor Credit15.00%5 years to 25 years70%Get Quotes >
  • Borrow between £5k to £50k
  • Self Employed accepted
  • 5 to 25 year term
  • Poor credit rating
  • Home Owners Only
  • Maximum LTV 70% of your property
  • Must be aged 18

Representative Example: The representative APR is 18.8% (variable) so if you borrow £20000 over 10 years at a rate of 15% (variable) you will repay £351.71 per month & total amount payable £42,205.20.

£10,000 - £500,000All Credit Profiles Considered15.10% Typical
(Variable)
3 Years - 25 YearsUp to 90%Get Quotes >
  • Compare latest secured loan deals
  • Borrow between £10k to £500k
  • No harm to your credit rating when you request quote
  • Fixed rates available
  • All credit profiles considered
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 21

The Loans Engine is a broker, not a Lender. They will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.

£3,000 to £10,000Fair Credit19.60%3 to 10 Years90%Get Quotes >
  • Borrow between £3k to £10k
  • Evolution Money's lowest rate loan
  • 3 to 10 year term
  • Fair credit rating
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 18

Representative Example: The representative APR is 27.1% (variable) so if you borrow £10000 over 7 years at a rate of 19.6% (variable) you will repay £248.01 per month & total amount payable £20,832.84.

£5,000 to £10,000Poor Credit30.60%3 to 10 Years120%Get Quotes >
  • Borrow between £5k to £10k
  • 3 to 10 year term
  • Poor credit rating
  • Home Owners Only
  • Maximum LTV 120% of your property
  • Must be aged 18

Representative Example: The representative APR is 42.4% (variable) so if you borrow £7500 over 5 years at a rate of 30.6% (variable) you will repay £270.24 per month & total amount payable £16,214.40.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Flexible Loans

If you like to be in control when it comes to your finances, then flexible loans could be for you. Whatever you need the cash for, whether it is a holiday or a household bill, flexible loans allow you to call the shots. Some of the advantages of flexible loans include:

 

  • The option to overpay or underpay without incurring a fine
  • The flexibility to pay off the loan early without penalty

 

As with other loans, be sure to examine the terms and conditions of flexible loans befire signing up. Low interest rates can often disguise penalties and other fees that may come into effect should you have any difficulties making payments. Compare the loan market to find the best flexible loans available with our loan comparison service.

 

For a comparison of leading UK loan products, follow the link below to the free online service. There is also an online loan calculator available, allowing you to weigh the costs of different loans on your finances.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.