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 
£1,000 to £35,000Good Credit Only3.3%

APR
Representative

(£7,500-£10,999)

6 months to 5 yearsGet Quotes >
  • Ratesetter is the largest peer to peer lending company in the United Kingdom. Peer to peer lending is becoming an increasingly popular way to borrow money.
  • Debt consolidation allowed
  • No early repayment charge
  • Fast loan - Money in your bank in 1 working day
  • Good credit history required
  • Must be aged 21 and resident in the UK for 3 years
  • You hold a UK bank or building society account
  • Regular source of income

Representative Example: The Representative APR is 3.3%, so if you borrow £7,500 over 3 years at a rate of 3.23% p.a. (fixed) plus an arrangement fee of £7.70, you will repay £218.94 for 36 months and £7,881.84 in total.

£1,000 to £25,000Good Credit Only3.3%

APR
Representative

(£7,500-£15,000)

1 year to 5 yearsGet Quotes >
  • Quote takes 3 minutes (Won't affect your credit score)
  • Money can be with you within 3 working days
  • Voted most trusted loan provider (Moneywise customer service awards 2010 - 2015)
  • Must be aged 18
  • UK Resident with a UK bank account

Representative Example: The Representative APR is 3.3%, 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. 

£7,000 to £15,000Good Credit Only3.3%

APR
Representative

(£7,000-£15,000)

1 year to 8 yearsGet Quotes >
  • 3.30% APR for personal loans between £7,000 and £15,000
  • Fixed repayment terms
  • Get a personalised quote online without affecting your credit score
  • Must be aged 18
  • UK Resident with a UK bank account
  • Minimum Income or pension before tax of £10,000

Representative Example: The Representative APR is 3.3%. Based on an assumed loan amount of £8,000 over 60 months at a interest rate of 3.3% pa (fixed), you will repay £144.64 per month. Total amount you repay £8,678.64.

£1,000 to £25,000Good Credit Only7.9%

APR
Fixed

1 year to 7 yearsGet Quotes >
  • 7.9% APR Fixed for personal loans between £1,000 and £25,000 
  • Sole or joint names
  • Choose loan length (1 to 5 year for loans £1,000 to £15,000, 1 to 7 year for loans £15,100 to £25,000)
  • Get a personalised quote online without affecting your credit score
  • Option to repay early, unlimited over payments and payment holidays
  • No fees to pay
  • Must be aged between 50 and 75 
  • Must own your home in England, Scotland or Wales
  • Must have a single or combined income of at least £12,000, which includes pensions and income from savings and investments.
  • Provided by Shawbrook Bank Limited
  • Acromas Financial Services Limited is a credit broker, not a credit lender

Representative Example: The Representative APR is 7.9%. Based on an assumed loan amount of £10,000 over 36 months at a interest rate of 7.9% pa (fixed), you will repay £311.65 per month. Total amount you repay £11,219.40.

£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.

£500 to £25,000All Credit Histories Considered49.90%

APR
Representative

1 to 5 YearsGet Quotes >
  • Interest rates start from 6.4% APR
  • Loans for any purpose
  • Decisions within minutes
  • Accepted Rates Based on your personal circumstances
  • Loans for any purpose, decisions within minutes, 
  • Must be aged 18 - 65
  • Must be employed and earn at least £800 per month
  • Must be UK resident

The Representative Example: The Representative APR is 49.90% (variable), based on borrowing £3,000 and repaying over 36 monthly repayments. Monthly repayments £146.39 with the total amount repayable £5,270.04 and the total interest payable will be £2,270.04.

£1,000 to £20,000All Credit Histories Considered42.5%

APR
Representative

1 to 4 YearsGet Quotes >
  • Rebuild Your Credit
  • Interest rates start from 9.3% APR
  • Fast,online application - optimised for all desktop / mobile / tablet devices
  • Instant Online Decision using 'soft' credit searches (Won't affect your credit score)
  • Funds as soon as same day
  • No hidden fees or early repayment charges
  • Must be aged 18
  • Must be UK resident
  • Administration fee applies, not payable upfront but instead included in monthly repayments
  • Applicants must have a net monthly income of at least £1,000, be in full time or part time employment, and have no CCJ's

Representative Example: The Representative APR is 42.5% (fixed). If you borrow £3,000 over 3 years at a rate of 31.9% p.a (fixed) plus an arrangement fee of £157.90, you will repay £137.31 per month & £4,943.24 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.