Self Employed Loans

Find the best self-employed loan deals…

Self employed loans are available to people who work for themselves, or maybe have difficulty proving their income for some reason - if you are self employed, our FREE loans service can help you find a good deal:

ProviderLoan AmountCredit HistoryRepresentative APRTerm 
£1,000 to £25,000Excellent Credit Only3.50%

£7,000 to £25,000 with a 2 year term

6 months to 5 yearsGet Quotes >
  • Getting a quote will not impact your credit score
  • Instant Online Decision
  • Money in your bank in 1 working day
  • Must be aged 21
  • Minimum Income £14,500

Representative Example: Based on an assumed loan amount of £3,000 over 24 months at a Representative APR of 7.90% p.a. (fixed), you will repay £157.74 per month. Total amount you repay £3,786.

£7,500 to £14,999Excellent Credit3.90%1 to 5 YearsGet Quotes >
  • Get a quick quote - no impact on your credit rating
  • Available to existing RBS current account holders only
  • Must be aged 18

Representative Example: Borrow £10,000 over 5 years at a Representative APR of 3.90% paying £183.40 per month will result in a total sum of £11,004 over the loan term.

£7,500 to £14,999Excellent Credit3.90%1 to 5 YearsGet Quotes >
  • Get a quick quote - no impact on your credit rating
  • Available to existing NatWest current account holders only
  • Must be aged 18

Representative Example: Borrow £10,000 over 5 years at a Representative APR of 3.90% paying £183.40 per month will result in a total sum of £11,004 over the loan term.

£7,500 - £14,999Excellent Credit Only4.60%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges or hidden fees
  • Instant Online Decision
  • 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: 4.60% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 4.60% p.a. (fixed). Monthly repayment £186.46. Total amount payable £11,187.60.

£20,000 to £200,000Good Credit4.68%3 to 25 YearsGet Quotes >
  • Interest Rates from 4.68%
  • Market leading homeowner loan deal
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 4.80% - Based on an assumed loan amount of £20,000 over 10 years at an interest rate of 4.80% p.a. (fixed) you would pay £233.00 a month and £27,960 in total.

£1,000 to £20,000Fair & Poor Credit48.50%1 to 5 YearsGet Quotes >
  • 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.

£500 to £5,000Fair & Poor Credit48.0%6 months to 5 YearsGet Quotes >
  • Guarantor Loans - Your guarantor can be a homeowner or a tenant
  • Fixed monthly repayments
  • Easy online process - Fast decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 48.0% - Based on an assumed loan amount of £2,500 over 36 months at an interest rate of 48.0% p.a. (fixed) you would pay £120.04 a month and £4,321.44 in total.

£1,000 to £20,000Fair & Poor Credit99.9%1 to 5 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% - 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.

Self Employed Loans

Lenders generally charge higher interest on self employed loans because they are taking more of a risk, but there are deals on the market whereby the initial APR drops after a limited period as the lender becomes happy that you are able to make the regular repayments.

When applying for self employed loans, you will normally need to:

  • declare your income
  • provide a certificate from an accountant that shows your income will cover the repayments
  • provide bank statements to show your gross income

If you have a mortgage, evidence of punctual repayments may help your case.

Our FREE online loan comparison tool compares rates, monthly repayments, loan terms and fees of all the leading UK loan providers so that you can find the best deal for your circumstances.

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.