Awarded Best Personal Loan Provider 2020 by Moneyfacts
Special surprise or a serious buy – we’ve got a loan you’ll love.
A special occasion, a once in a lifetime break or a little more oomph in your home. Whatever you're leaning towards, you'll love our personal loan.
It's flexible - you can borrow £3,000 - £25,000* and repay over one to five years. Or, if you're borrowing £7,500 or more (and less than 50% of it is to pay back an existing loan) you may have the option to repay up to seven years.
*Existing customers can borrow £1,000 - £35,000.
- Money is usually in your account within two hours or by the end of the next day if your application is approved and you’ve applied online
- A simple online application that only takes a few minutes
- Fixed rates, so you know exactly what to repay every month
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All loans are subject to status and eligibility and you must be over 18 and a UK resident to apply. The interest rate we offer you is based on your loan requirements and individual circumstances. The minimum rate we offer is 2.9% APR and the maximum rate is 28.9% APR.
Popular questions about loans
If you’re applying entirely online, through the app or in one of our stores, then your money will be with you really quickly once your application has been approved. This will usually be within 2 hours or at the very latest by the end of the next day.
If you’re going old school and doing it by paper or over the phone, you’ll still need to sign your Loan Agreement. As soon as we’ve got what we need from you, we’ll send your money to the bank account you’ve told us to send it to. Again, this will usually be within 2 hours or by the end of the next day.
That’s totally up to you — we like to keep things flexible so you can pay extra when and if you want to. It’s important to remember, though, that anything that reduces the overall time of your loan will create a cost for early repayment. More about that later.
You have three early repayment options:
- Pay everything.
- Make one (or more) extra payments to reduce the overall amount you owe.
- Make one (or more) extra payments to reduce your monthly payments.
All three options mean we count up some of the interest we'll be losing (up to a maximum of 58 days' worth, starting from the day you tell us you want to pay more). Not sure how that works out for you? No problem — just give us a call on 0800 707 6471 and we'll talk you through your options and all the numbers involved.
Not a problem. As long as you complete your application within 28 days of starting it, you can click or tap the ‘Save and Exit’ button as often as you need to. To get back to it whenever you like, go to our personal loans page and click or tap on 'Finish my application'.
Help with your borrowing
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Our car loans can help you get on the road. Find the information that might help drive your decision here.
Doing a little homework?
Here’s how home improvement loans can come in handy.
Taking charge of difficult debt?
A debt consolidation loan could make it easier to manage your money.
Fancy a chat?
Our team is here to answer your questions, talk through your needs and help you through the process.Go to contact details