Personal loans
Borrow for home improvements, life events, or consolidating existing borrowing into one fixed monthly payment. Choose a repayment term that suits your budget, from one to seven years.
Lending
Loans
Fixed-rate borrowing for personal goals, business investment, and vehicle purchase—with clear repayments and no hidden arrangement fees on standard products.
Loan types
Business loans
Fund equipment, stock, or expansion with structured repayments aligned to your cash flow. Available to UK-registered businesses and sole traders meeting our lending criteria.
Vehicle finance
Finance a new or used car, van, or motorcycle with fixed instalments. Hire purchase and personal contract options are available depending on the vehicle and your preferences.
Eligibility
Applicants must be at least 18 years old and able to demonstrate affordable repayments. Personal loan customers should be UK residents with a stable income. Business applicants must provide trading history, accounts, or a business plan where requested.
We assess credit history, income, existing commitments, and the purpose of borrowing. We may decline applications that do not meet our responsible lending standards or where information cannot be verified.
- Minimum age 18 with UK residency (personal loans)
- Proof of income and affordability
- Satisfactory credit assessment
- Business registration documents where applicable
Representative example
The rate you are offered depends on your personal circumstances. The example below is illustrative only and does not guarantee you will receive this rate.
Representative 7.4% APR (fixed)
Borrowing £10,000 over 60 months with monthly repayments of £199.12. Total amount repayable £11,947.20. Interest rate 7.4% per annum (fixed).
Missing payments may have severe consequences including obtaining a county court judgment and making it harder to obtain credit in future.
Get a personalised quote
Register online to check indicative rates without affecting your credit score, or speak to our lending team for business and vehicle enquiries.
Frequently asked questions
Personal loans are available from £1,000 to £35,000, subject to affordability and credit assessment. Business and vehicle finance limits depend on turnover, trading history, and the asset being financed.
Yes. You may repay part or all of your loan early. An early settlement adjustment may apply, calculated in line with the Consumer Credit Act. We will provide a settlement quote on request.
Many personal loan applications receive a decision within one working day once we have your documents. Business and vehicle applications may take longer where additional review is required.
Our initial eligibility check uses a soft search. A hard credit search is recorded only if you proceed to a full application and we need to make a formal lending decision.
Related information
Need help choosing the right loan?
Our lending specialists can explain product differences, documentation requirements, and indicative repayments before you submit a full application.