Let us walk you through your first loan


Daunted? Don't be. We're here to take you through the process of getting your first loan, every step of the way.

The application process explained

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Calculate repayments and check your loan eligibility

Use our calculator to see what your monthly repayments will be. Then check your likelihood of getting a loan with us.

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Apply for your personalised rate

Fill in your loan application. We’ll run a credit check and let you know if your loan has been approved.

Apply for

Accept your loan agreement and receive the money

Once you’ve signed your loan agreement online, we’ll transfer the funds as early as the next day.

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APR (fixed)

Annual Percentage Rate (APR) represents the amount of interest you'll pay annually for your loan. A representative APR is an advertised amount that a minimum percentage of customers will pay. The rate you are offered might differ depending on your personal circumstance and credit rating.

  • Instant decision in most cases
  • Funds could be transferred the next day

What is a personal loan?

Let’s start with the basics. A personal loan - sometimes called an unsecured loan - is when you borrow money from a lender and agree to pay it back over a specific period of time in monthly repayments. Get to know the key terms and whether it's right for you.

  • apr

    APR - annual percentage rate

    This describes the overall cost of money borrowed per year. The rate you are offered will vary based on your circumstance, credit score and loan amount

  • monthly cost

    Monthly repayment cost

    This is a fixed cost per month. Knowing this
    cost will help you to determine if the loan is
    affordable for you, and to budget repayments

  • length of term

    Length of loan term

    This will be a fixed term determined by you
    and your monthly repayments

  • eligibility

    Loan eligibility

    You can see the likelihood of getting approved for your loan by doing a ‘soft check’ which doesn’t affect your credit score

  • penalties

    Penalties for late/missed payments

    It's worth noting what to expect in the event this occurs and if it’s something you can accept

  • piggy bank

    Early repayment options

    You might be in the position to repay your loan earlier than your loan term. It’s good to be aware of your options

Popular reasons for taking out a loan


Buying a car

Getting a loan can be cheaper than a car dealer’s finance


Home improvements

Make your DIY dreams a reality sooner and potentially add value to your house

Debt consolidation

Consolidating debts

Manage your debt better by paying them off together in one loan

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An unsecured loan could help if you:

  • Want to make a one-off payment that your monthly income or savings don't cover
  • Want to put all of your debts in one place and keep better track of your repayments
  • Want to take that dream holiday of a lifetime by spreading the cost
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Top questions people ask us

Still have questions about loans?

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Want to learn more about loans?

Credit score guide

Understand your credit score and
make better financial decisions.

Guide to car loans

You have options when choosing how to pay for your new car. Find out more here.

Home improvement loan guide

Find out how a loan can help you make changes to your home.

Secured vs unsecured loans guide

Want to know the difference between secured and unsecured loans? Here’s what you need to know.

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Help and Advice

Governmental bodies like The Money Advice Service and the Citizen’s Advice Bureau can also help you make informed decisions.

Finally, keep in mind that interest rates (APRs) can vary widely from lender to lender. A trusted comparison service like Which? can help you to compare different options.

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Contact us for general enquiries

Call us on

0800 169 2000

8.00am - 7.00pm, Mon - Fri
8.00am - 2pm, Sat
Closed bank holidays and Sundays