Personal loans designed around you
Clear rates, no hidden fees and flexible terms. Borrow from £1,000 to £35,000 with fixed monthly repayments you can budget for.
Personal lending with your best interests at heart
Straightforward, honest and designed to give you the flexibility and clarity you want from a personal loan.
Competitive fixed rates
Your interest rate is fixed for the full term, so you always know exactly what you will pay each month — no surprises.
Borrow £1,000 – £35,000
Whatever you need the funds for, we offer a wide range of borrowing amounts with flexible term options to match your budget.
Terms from 1 to 7 years
Choose a repayment length that suits you. Longer terms mean lower monthly payments, shorter terms cost less overall.
No arrangement fees
We do not charge upfront arrangement fees on our personal loans, so what you see is what you get.
Overpayment options
Make overpayments when you can to reduce the term or clear the loan early — with flexible options available.
UK-based support team
Have a question? Our friendly UK lending team is on hand to help you through every stage of your application and beyond.
Who can apply?
Applying for a personal loan is straightforward. Here is what you will typically need to get started.
Aged 18 or over
You must be at least 18 years old to apply for a personal loan with us.
UK resident
A permanent UK residential address is required for all personal loan applications.
Proof of identity
A valid passport, driving licence or national ID card so we can verify who you are.
UK bank account
A UK current account in your name so we can pay out the loan and collect repayments by Direct Debit.
Regular income
Evidence of regular income to support your ability to make the agreed monthly repayments.
UK mobile number
A UK mobile number so we can securely verify and contact you about your application.
Realistic examples based on typical borrowing
Three quick illustrations of what different loan amounts and terms could cost you each month.
- Total repayable: £5,503.68
- Total interest: £503.68
- Perfect for a new car or small home improvements
- Total repayable: £11,711.40
- Total interest: £1,711.40
- Ideal for a wedding, extension or consolidating debts
- Total repayable: £32,185.44
- Total interest: £7,185.44
- Suitable for home renovations or large purchases
Rates and amounts shown are for illustrative purposes only. Actual rates and monthly repayments will depend on your individual circumstances, credit assessment and the product you choose. Rates may vary based on individual circumstances.
Common questions about personal loans
Answers to the questions most customers ask before applying for a personal loan.
Four simple steps to your personal loan
A quick, secure and completely online application process — you could have your funds the same day.
Check eligibility
Tell us a few basic details. Our soft search checker tells you if you are likely to be accepted — without affecting your credit score.
Complete application
Fill in your personal details, income and expenditure. We will ask for a few documents so we can verify your identity and circumstances.
Sign agreement
Review your personalised offer, credit agreement and Key Facts Illustration. Sign digitally online in seconds if you are happy to proceed.
Receive funds
Once approved and signed, your funds are paid into your nominated UK bank account — often on the same working day.
Ready to take the next step?
Check your eligibility in under 2 minutes. It will not affect your credit score, and you can see a personalised quote before committing to a full application.