Loan Services

Find the best loan for your circumstances

Get a fair loan!

Personal loans up to £25,000

Simple, clear & fair

Check Eligibility »

All credit histories considered.

One search using our personal loan service will give you clarity about your loan options.

You will be shown the rate you will actually get if you are pre-approved for your loan & sort those results just for you.

Have Excellent Credit? Selected Top UK Personal Loans

Loan Type
AA Personal Loan
APR/APRC
6.1% APR
Representative (£7,500-£24,999)
Loan Term
1 to 7 Years
Borrow
£1,000 to £25,000
Representative Example: Based on a loan of £10,000 at 6.1% per annum fixed for 5 years. Representative 6.1% APR. Total amount repayable £11,581.78 at £193.03 per month for 60 months.
Loan Type
Santander Personal Loan
APR/APRC
6.3% APR
Representative (£7,500-£15,000)
Loan Term
1 to 5 Years
Borrow

£1,000 to £25,000
Excellent Credit Only!

Representative Example: Based on a loan of £10,000 at 6.3% per annum fixed for 5 years. Representative 6.3% APR. Total amount repayable £11,634.60 at £193.91 per month for 60 months.
Loan Type
M&S Bank Personal Loan
APR/APRC
6.2% APR
Representative (£7,500-£15,000)
Loan Term
1 to 7 Years
Borrow

£1,000 to £25,000
Excellent Credit Only!

Representative Example: Based on a loan of £10,000 at 6.2% per annum fixed for 5 years. Representative 6.2% APR. Total amount repayable £11,608.20 at £193.47 per month for 60 months.

Selected Existing Customer Loan Deals

Loan Type
NatWest Personal Loan
APR/APRC
6.6% APR
Representative (£7,500-£14,950)
Minimum Loan Term
1 Year
Borrow
£1,000 to £50,000

Specific Eligibility Criteria Applies

To apply, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months)

Representative Example: Borrow £10,000 over 5 years at a Representative APR of 6.6% APR (fixed) paying £195.24 per month will result in a total sum of £11,714.40 over the loan term.

How Much Can I Borrow?

How much you can borrow and over what term of repayment will depend on factors such as:

  • Whether you are a homeowner with a mortgage
  • Your credit status
  • Employment status
  • How long you have been in the UK
  • How much you earn.

Personal Loans

What is a personal loan?

Personal loans provide you with a fixed sum of money that’s paid back over a fixed term along with a rate of interest (APR).

Most lenders offer personal loans of up to £25,000 and terms usually range from 1 to 7 years, but can be longer in some cases.

Personal loans are typically unsecured loans, meaning that you don’t put down an asset (like a vehicle or your property) against your loan that your lender can seize in the event that you aren’t able to keep up with your loan repayments.

Get a better personal loan and apply online

Borrow up to £25,000

Simple, clear & fair

Check Eligibility »

What are personal loans used for?

Personal loans can be used for a variety of reasons, but some common examples are:

  • Home improvements
  • Holidays
  • Debt consolidation (AKA a consolidation loan)
  • Weddings
  • Large purchases like a car or domestic appliance

How do personal loans work?

It’s good to start by comparing personal loans based on how much money you need, how long you have to pay it back, and what loan interest rate you’re charged on top of your repayments.

To get accepted for a personal loan, lenders will run a credit check against you to assess the likelihood of you being able to repay your loan.

If they’re happy with your credit score in relation to the loan you need, you’ll usually receive your loan within a week.

You then repay your loan in monthly instalments, with your interest included in your repayments, for the duration of the fixed term you’ve agreed to.

How much money can I borrow with a personal loan?

Most personal loans start at a minimum of £1,000 and go up to £25,000.

Whether you can borrow up to the higher limits of the £25,000 threshold will depend on your credit score and financial situation.

Some larger personal loan amounts may only be available to existing customers, and some personal loans are only available to homeowners or individuals employed within a specific profession, for example in public service.

If you need more than £25,000, or you’re struggling to get accepted for the loan you require, you might want to consider a secured loan instead. However, you’ll have to put up assets as collateral against your loan which adds to the risk.

What are the advantages of a personal loan?

  • You can borrow money for any purpose
  • You can choose how long you have to repay the loan
  • You don’t need to secure your loan against property or other assets
  • You pay your loan back in monthly instalments
  • You pay back a fixed rate of interest
  • You can get an unsecured loan quickly – much quicker than a secured loan application
  • You can pay back your loan early if you want to

What are the disadvantages of personal loans?

  • You’ll pay higher interest rates than you would with a secured loan
  • You may not be able to borrow as much money as you could with a secured loan
  • You could be rejected or have to payer higher interest on your loan if you have a low credit score

Homeowner Loans Service

Looking to borrow over £25,000 or you wish to borrow over a longer term than 7 years?

If you are a homeowner with a mortgage then read on.

Our loan service offers homeowner loans for any purpose – so if you want to build an extension, send the kids to university, help them buy their first home, or take the trip of a lifetime, a home loan (often referred to as a second charge mortgage) could help.

As the loan company is securing the loan against your property a secured loan often provides a cheaper longer-term finance solution than an unsecured loan, but this will be subject to your circumstances.

1Get A Great Homeowner Loan!
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Our personal loans eligibility service is provided by Uplift Money Ltd. The data you supply and submit is used to retrieve loan quotes from Uplift Money’s panel of lenders. By using their loans eligibility service you are agreeing to Uplift Money’s terms and conditions and privacy policy which can be found at Uplift Money Ltd

Uplift Money Ltd are an appointed representative of Dennico Ltd who are authorised and regulated by the Financial Conduct Authority. Dennico Limited is registered in England & Wales under company number 11034439. Registered Office is Steam Mill Business Centre, Steam Mill Street, Chester, UK, CH3 5AN.