Access £1,000 to £25,000 with our flexible unsecured loans featuring competitive rates and no collateral required.
Flexible financing with no collateral required, designed to meet your needs
Borrow with confidence without putting your home, car, or other assets at risk
Starting from just 6.9% APR, with terms tailored to your financial situation
Get a decision within 24 hours and funds in your account within 1-2 business days
Complete flexibility to fund life's needs, goals, and unexpected expenses
Combine multiple debts into a single monthly payment, potentially at a lower interest rate
Fund renovations, repairs, and upgrades to enhance your living space and potentially increase property value
Finance new appliances, electronics, furniture, or other significant household items
Cover costs for your special day without depleting your savings or maxing out credit cards
Pay for treatments, procedures, or healthcare costs not covered by insurance
Fund courses, certifications, or additional training to advance your career
Get the financing you need in just a few simple steps
Complete our simple online application in just 5 minutes, with no impact on your credit score.
Receive a personalized loan offer with clear terms, rates, and monthly payment information.
Look over your loan offer, digitally sign the agreement, and provide any additional information if needed.
Receive funds directly to your bank account, typically within 1-2 business days after approval.
Transparent pricing and flexible terms to meet your needs
| Loan Feature | Details |
|---|---|
| Loan Amount | £1,000 - £25,000 |
| Interest Rate | From 6.9% APR (Representative example) |
| Loan Term | 1 - 7 years |
| Decision Time | Within 24 hours |
| Minimum Credit Score | 650 recommended (options available for lower scores) |
| Fees | No arrangement fees, no early repayment penalties |
*Representative Example: £10,000 at 6.9% APR over 5 years would mean monthly repayments of £197.96, with a total repayment of £11,877.60
Check Your RateUnderstanding the key differences to make an informed decision
| Feature | Unsecured Loans | Secured Loans |
|---|---|---|
| Collateral Required | No | Yes (property, vehicles, etc.) |
| Risk to Assets | None | Risk of losing assets if payments missed |
| Typical Interest Rates | 6.9% - 18.9% APR | 4.5% - 12% APR |
| Loan Amounts | £1,000 - £25,000 | £10,000 - £100,000+ |
| Approval Process | Faster (1-3 days) | Longer (property valuation required) |
| Best For | Smaller loans, shorter terms, quick funding | Larger loans, lower rates, longer terms |
Not sure which option is right for you? Talk to our loan specialists for personalized advice.
Simple requirements to help you get the financing you need
Must be a UK resident aged 18 or over with a UK bank account
Minimum annual income of £15,000, with proof of stable employment or regular income
Good credit history preferred (650+ score), though we consider applications with varying credit backgrounds
Get answers to common questions about our unsecured loans
An unsecured loan is a type of financing that doesn't require any collateral (such as your home or car) to secure the debt. Instead, approval is based on factors like your credit history, income, and existing debt. This means you can borrow money without risking your assets.
Our unsecured loans range from £1,000 to £25,000, with the exact amount dependent on factors such as your credit score, income, and existing financial commitments. We aim to offer you the amount that meets your needs while ensuring responsible lending.
Unsecured loans are highly flexible and can be used for almost any legitimate purpose. Common uses include debt consolidation, home improvements, major purchases, wedding expenses, medical costs, and education fees. Unlike specific loans (such as auto loans), you have complete freedom in how you use the funds.
Most applications receive a decision within 24 hours. Once approved, funds are typically transferred to your bank account within 1-2 business days. With our streamlined digital process, some customers receive their funds the same day of final approval.
Yes, you can repay your unsecured loan early without any prepayment penalties. This can help you save on interest costs over the life of the loan. We provide the total payoff amount at any time through your online account or by contacting our customer service team.
Check your rate in minutes with no impact on your credit score.
