Before you start
To be eligible for a personal loan all applicants must:
- Be over 18 and a UK resident.
- Have not applied for a loan with us within the last 3 months.
- Have a good credit history, not be currently bankrupt and not have had a County Court Judgment (CCJ) or decree in the last three years.
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 over up to seven years.
*Existing customers can borrow £1,000 - £35,000.
Payments are fixed for the duration of your loan.
Frequently asked questions
Using the personal and financial information you provide us, we can tell you whether your application for a personal loan is likely to be successful. To get an accurate result we run the following automatically:
- A soft credit check
- A calculation of what you can afford based on your income and expenditure
A soft credit check is a background check on your credit report. It helps us give an accurate indication about your eligibility for a personal loan. No other company can see that we have run a check on you and it has no impact on what you can borrow in future.
To assess your likelihood of being approved for a personal loan, the personal information you provide us will be shared with our agents and credit reference agencies to search your credit file. This is a soft search only and won’t leave any visible footprint to other lenders on your credit history or affect your credit score.