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 £25,000Good Credit Only3.2%


(£7,500 - £25,000)

1 year to 7 yearsGet Quotes >
  • No arrangement fees or hidden charges
  • Instant online decision
  • Funds transferred within 2 working days
  • No penalty for overpayments
  • You must be aged between 21 and 70 
  • You must have been a permanent UK resident for 3 years 
  • You must have an annual income of at least £12,000 and have a UK bank or building society account
  • You need to make payments on time or you will be charged a late payment fee. Missing payments could have severe consequences on obtaining future credit
  • Post Office Personal Loans are provided by Bank of Ireland (UK). Post Office Limited is a credit broker and not a lender

Representative Example:  The Representative APR is 3.2%. Based on a loan amount of £10,000 over 60 months at an interest rate of 3.2% p.a. (fixed). Monthly repayment of £180.37. Total amount repayable £10,822.20.

£2,500 to £15,000Good Credit Only3.4%



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 3.4%, so if you borrow £7,500 over 3 years at a rate of 3.40% p.a. (fixed), you will repay £219.27 for 36 months and £7,893.72 in total.

£1,000 to £20,000Good Credit Only3.44%



1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • Instant Online Decision
  • Must be aged 21
  • No CCJs or IVA in the last 6 years
  • Permanently resident in England, Wales, Scotland or Northern Ireland

Representative Example: The Representative APR is 3.4%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.4% p.a. (fixed). Monthly repayment £181.41 & total repayable £10,884.60.

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


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.

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.