Explore our diverse range of UK financial products with market-leading rates designed to help you achieve your financial goals.
At Integra Finance, we combine cutting-edge technology with human expertise to provide accessible, transparent, and customized lending solutions for UK borrowers.
Our proprietary algorithms analyze over 200 data points to evaluate creditworthiness beyond traditional UK credit scores, allowing us to serve a wider range of customers across Britain.
We connect UK borrowers with a diverse pool of investors through our platform, creating a mutually beneficial ecosystem that offers more competitive rates than traditional British banks.
Our fully digitized application and approval process eliminates unnecessary paperwork and delays, allowing for faster decisions and funding for UK residents compared to traditional lenders.
While we leverage technology, we never lose sight of the human element. Our UK-based loan specialists provide guidance throughout your borrowing journey with local expertise.
Explore our comprehensive range of financial solutions designed for various needs across the United Kingdom
Solutions designed to help UK individuals achieve their personal financial goals and milestones with competitive rates.
Specialized financing options for UK homeowners and property investors at competitive rates below the national average.
Funding solutions to help UK businesses of all sizes start, grow, and thrive in today's competitive market with flexible terms.
Our most popular UK lending solutions with market-leading rates and flexible terms
For life's unexpected expenses
Make your dream home a reality
Fuel your business growth
A simple and transparent journey from application to funding for UK residents
Complete our simple online application in as little as 5 minutes, with no impact on your UK credit score.
Receive a personalized loan offer with clear terms and market-leading rates based on your financial profile.
Review and accept your offer online, then complete any necessary verification steps through our secure portal.
Once approved, funds are deposited directly into your UK bank account, often within 24 hours of final verification.
Tailored financial products for unique situations and specific needs in the UK market
We understand that past financial challenges shouldn't determine your future. Our UK bad credit loans provide opportunities for those with less-than-perfect credit histories, offering fair rates and a path to rebuilding your financial health.
Learn MoreWhen you need short-term cash for emergencies, our UK payday loans provide quick access to funds with transparent terms. We offer higher approval rates and more affordable options than traditional payday lenders, with flexible repayment terms.
Learn MoreOur UK bridging loans provide short-term financing to bridge the gap between property transactions, allowing you to secure your new property before selling your existing one. With quick approval and flexible terms, we help you navigate property transitions seamlessly.
Learn MoreOur UK green loans support sustainable home improvements like solar panel installation, energy-efficient upgrades, and eco-friendly renovations. With competitive rates and specialized terms, we make it easier and more affordable to reduce your environmental footprint.
Learn MoreGet answers to the most common questions about our lending solutions and processes
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.
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).
When comparing UK loan options, focus on the APR (Annual Percentage Rate) as it represents the true cost of borrowing. Also consider loan terms, monthly repayment amounts, total repayment over the loan's lifetime, and any fees including early repayment charges. At Integra Finance, we make comparison easy by offering transparent information and tools like our loan comparison calculator to help you make an informed decision.
Integra Finance stands out in the UK lending market through our combination of competitive rates (often 0.5-1.5% lower than traditional banks), faster approval processes (24-48 hours vs 5-7 days), advanced technology for accurate creditworthiness assessment beyond traditional credit scores, and our human-centered approach with dedicated UK-based loan specialists. We also offer specialized loan products for unique situations that many traditional lenders don't accommodate.
Check your rate in minutes with no impact on your credit score. Get the funds you need with market-leading rates.
See how Integra Finance offers industry-leading rates across all loan types in the UK market
| Loan Type | Integra Finance APR | Top UK Competitor | Competitor APR | Savings |
|---|---|---|---|---|
| Personal Loans | 5.4% APR | Nationwide | 6.1% APR | 0.7% |
| Business Loans | 7.4% APR | Santander | 7.9% APR | 0.5% |
| Mortgage Loans | 2.9% APR | Nationwide | 3.2% APR | 0.3% |
| Auto Loans | 5.2% APR | AA Car Finance | 5.7% APR | 0.5% |
| Home Equity | 3.2% APR | Oplo | 3.99% APR | 0.79% |
*APR rates subject to change. Representative example: £10,000 at 5.9% APR over 5 years = 60 monthly payments of £193.18. Total repayable £11,590.80.
