Intelligent Finance Loan

If you want to borrow money for a new car, kitchen refit or anything else you may be wondering what an Intelligent Finance loan can offer you. Intelligent Finance loans are not currently available, but you can use the free comparison tables below to compare loans from a range of different lenders to see what might be available to you.

ProviderLoan AmountCredit HistoryRates FromTerm 
£2,500 to £15,000Good Credit Only3.2%

APR
Representative

(£7,500-£15,000)

2 years to 5 yearsGet Quotes >
  • 10 minute online quote, instant decision
  • Money can be with you within 48 hours
  • No arrangement, over payment or early repayment fees
  • Must be aged 21 or over
  • UK Resident with a UK bank account

Representative Example:  The Representative APR is 3.2%, so if you borrow £7,500 over 3 years at a rate of 3.03% p.a. (fixed) plus an arrangement fee of £30, you will repay £218.94 for 36 months and £7,881.84 in total.

£1,000 to £25,000All Credit Histories Considered14.9%

APR
Representative

1 to 5 YearsGet Quotes >

Representative example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

£1,000 to £5,000Fair & Poor Credit59.9%

APR
Representative

1 to 3 YearsGet Quotes >
  • Know if you'll be accepted before you apply
  • Applying won't affect your credit score
  • No fees charged
  • Borrow more later, if you're eligible
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 59.9% (fixed). If you borrow £2,000 over 2 years at a rate of 59.9 p.a (fixed), you will repay £131.05 per month & £3,145.20 in total.

£1,000 to £20,000All Credit Histories Considered99.90%

APR
Representative

1 to 2 YearsGet Quotes >
  • Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application
  • Fixed monthly repayments
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 99.9% (fixed) - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.

When Intelligent Finance loans were available they featured:  

  • Competitive APR that does not allow early repayment without a fee
  • Exclusive online rates
  • No repayments for the first 3 months
  • Fixed repayments each month

 

 

As such you may wish to look for loans from other providers with similar features. There are a number of companies on the market, so it is worth shopping around to get the best loan deal for your circumstances. Use our loan calculator or click on the links above to see loans from some of the leading UK providers.

 

 

Loan calculators

When looking for a loan, you could use a loan calculator to find out how much you would ultimately pay to the lender as well to get a breakdown of what your monthly repayments would work out as. Most loan calculators just require you to enter how much you want to borrow and the desired repayment term length, they will then generate you an estimate of what a loan of that size might cost you using the lender’s Representative APR. However if you proceed to apply for a loan, your personal APR may be subject to status, meaning it may differ from the lender’s Representative APR. This is because lenders can adapt the APR they would be willing to give a specific borrower after they have assessed their financial circumstances such as; credit score and annual earnings.

 

Before you take out a loan

Before you decide on taking out a loan along with shopping around to get the right plan for you, you might want to think about alternatives to borrowing. For example If you have any savings it might be beneficial to use these instead, this is because you may find that the rate of interest that you are charged on a loan could be greater than any interest you might earn on an amount of savings of the same size.

 

It is also important to consider if you are thinking of taking out a loan to consolidate debt that spreading your payments over a longer term means you may ultimately be paying more overall than with your existing arrangements, even if the interest rate on this new loan is less than the rates you have at the moment.


There are also other types of borrowing than personal and home owner loans such as authorised overdrafts and credit cards you might wish to consider.

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.