Compare and apply for the UK's most competitive loan rates - personal loans from 5.9% APR, business loans from 4.5% APR, and mortgages from 3.2% APR. Get approved in just 24 hours.
in UK Loans Funded
UK Clients Served
Lower Rates Than Banks
Fast UK Approval Time
Choose from the UK's most comprehensive range of financial solutions, whether you're looking to consolidate debt, purchase property in London or Manchester, or grow your British business.
Fast funding for UK residents
Funding British businesses
For homes across England, Scotland & Wales
Our streamlined approval process is designed to get you the funds you need quickly, with minimal paperwork.
Your personal and financial information is protected with bank-level security throughout the entire process.
Choose repayment options that fit your budget and financial goals, with competitive interest rates.
Put your home's equity to work and gain easy, flexible access to a revolving line of credit. Pay interest only on the amount you borrow.
The loan can go toward almost anything, such as:
Integra Finance is your partner for taking charge of your finances. Whether you want a personal loan for a big purchase, debt consolidation, renovating your kitchen, or something else, it's entirely up to you.
Our commitment to transparency and customer service sets us apart in the financial industry.
Experts in navigating unique financial situations and securing approvals from reputable lenders.
Get quick decisions and rapid access to funds, often within 24 hours of final verification.
We work with a wide network of lenders to ensure you get the most competitive rates available for your financial profile.
Dedicated loan specialists provide guidance throughout your borrowing journey, ensuring a smooth experience.
Stay informed with our latest articles and market updates
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Expert analysis on expected interest rate trends and how they might affect your financial decisions in 2025.
Get answers to the most common questions about loan options across the United Kingdom.
Current UK personal loan rates typically range from 5.9% to 12% APR, depending on your credit history, loan amount, and term length. At Integra Finance, we offer some of the UK's most competitive rates starting from just 5.9% APR for borrowers with good credit scores. Our rates are consistently below the UK national average and we offer personalized quotes without affecting your credit score.
Integra Finance offers one of the fastest approval processes in the UK financial market. For personal loans, you can receive approval in as little as 2 hours, with funds transferred to your UK bank account within 24 hours after final verification. Our streamlined digital application process allows you to apply entirely online, with minimal documentation required for British citizens or residents. Business loans and mortgages may require additional documentation but still benefit from our accelerated approval system.
In the UK, credit scores typically range from 0-999 (Experian) or 0-700 (Equifax). Generally, you'll need a score above 560 (Experian) or 420 (Equifax) to qualify for the most competitive rates. However, Integra Finance has options for all credit profiles, including specific bad credit loans for UK borrowers with scores as low as 350 (Experian). We assess your entire financial situation, not just your credit score, and can provide tailored loan solutions for various UK credit rating levels.
For UK loan applications, you typically need to provide: proof of identity (UK passport or driving licence), proof of address (recent utility bill or bank statement), proof of income (recent payslips or tax returns for self-employed individuals), and bank statements from the last 3 months. Business loan applications require additional documentation including business accounts and projections. All documents must comply with UK financial regulations and verification standards. Our digital application allows you to upload these securely for fast processing.
Yes, Integra Finance provides loan services throughout England, Scotland, Wales, and Northern Ireland. We have specialized loan products for various UK regions, accounting for regional property market differences for mortgages and local business conditions for commercial loans. Our online application system is accessible to all UK residents, while we maintain physical offices in London, Manchester, Edinburgh, Cardiff, and Belfast to provide in-person consultations if preferred. All our loan products comply with UK financial regulations and consumer protection laws.
Integra Finance offers several advantages over traditional UK high street banks. We typically provide lower interest rates (on average 1.5% lower than major UK banks), faster approval times (24 hours vs. 5-7 days at traditional banks), more flexible eligibility criteria, and a completely digital application process. Unlike most UK banks, we also specialize in difficult-to-place loans and unique financial situations. Our customer satisfaction rating of 4.8/5 exceeds the industry average of 3.6/5 for traditional UK lenders.
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