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Loans Warehouse Personal Loans (Broker)
Loans Warehouse Personal Loans (Broker)
Total to pay back   £1,489.11
Monthly payments   £35.46
Representative APR   26.9%

Representative Example: borrowing £1000 over 42 months with a representative APR of 26.9%, an annual interest rate of 24.07% (Fixed), the amount payable would be £35.46 per month, with a total cost of credit of £489.11 and a total amount payable of £1,489.11.

Loans Warehouse Ltd is a credit broker and not a lender. They work with a selected panel of lenders.

 

Pre Qualifying Criteria

 

  • UK Resident – You can be a tenant or a homeowner
  • Minimum Age – 18 years old
  • Employment Status – All types accepted, must be earning at least £700 per month (gross)

Important Information

 

  • Loans from £1,000 to £50,000
  • Loans Warehouse will assess your information to establish which loans are suitable for you
  • Loans Warehouse will conduct a soft credit search which will not adversely effect your credit rating
  • The better your credit profile, the better your chances of being approved for a personal loan
  • Interest rates may vary depending on your circumstances and the loan amount requested
  • Can be used for many different purposes, from home improvements or buying a car, through to debt consolidation
Loans Warehouse Guarantor Loans
Loans Warehouse Guarantor Loans
Total to pay back   £950.99
Monthly payments   £22.64
Representative APR   49.9%

Representative Example: borrowing £500 over 42 months with a representative APR of 49.9%, an annual interest rate of 41.16% (Fixed), the amount payable would be £22.64 per month, with a total cost of credit of £450.99 and a total amount payable of £950.99.

Loans Warehouse Ltd is a credit broker and not a lender. They work with a selected panel of lenders.

Pre Qualifying Criteria

 

  • UK Resident – You can be a tenant or a homeowner
  • Minimum Age – 18 years old
  • Employment Status – All types accepted, must be earning at least £600 per month (net)
  • Additional information - Guarantor must have a GOOD CREDIT RATING

Important Information

 

  • Loans from £1,000 to £10,000
  • Loans Warehouse will assess your information to establish which loans are suitable for you
  • Loans Warehouse will conduct a soft credit search which will not adversely effect your credit rating
  • The better your guarantor’s credit profile, the better your chances of being approved for a guarantor loan
  • Can be used for many different purposes, from home improvements or buying a car, through to debt consolidation
Norton Finance Unsecured Loans
Norton Finance Unsecured Loans
Total to pay back   £3,013.48
Monthly payments   £3,013.48
Representative APR   5.39%

Norton Finance is a credit broker and not a lender. They work with a selected panel of lenders.

Pre Qualifying Criteria

 

  • UK Resident – Yes 
  • Minimum Age – 18 years old
  • Employment Status – All employment types accepted including benefits income

Important Information

 

  • Norton’s unsecured loans vary in value from £3,000 to £25,000.
  • Unecured loan interest rates start from an initial rate of 5.39%, though actual rates and APRs depend on individual circumstances, credit score, and the specific lender matched from their panel
  • Norton Finance will carry out a soft search on all applications which won't affect the customers credit rating 
  • Norton Finance does not charge broker fees on unsecured loans.
Loan.co.uk Personal Loans (Broker)
Loan.co.uk Personal Loans (Broker)
Total to pay back   £3,123.12
Monthly payments   £14.87
Representative APR   16.9%

Representative Example: borrowing £10,000 over 60 months with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed), the amount payable would be £241.68 per month, with a total amount payable of £14,500.00. Maximum APR 34.9%

Loan.co.uk is a credit broker and not a lender. They work with a selected panel of lenders.

Pre Qual Criteria:

  • Uk Resident
  • 18 or over
  • Employment Status – All employment types considered
  • Must not be currently bankrupt or in an IVA or debt management arrangement

Important info:

  • Loans from £1,000 to £30,000
  • Loan.co.uk rates start from an initial rate of 16.9% though the exact APR and rate you receive will depend on your personal financial history

How it works

We have made it simple for you to make loan comparisons, there are no forms to fill in. Remember, whatever you decide, make sure you have all the information you need from the lender to make the right decision for your circumstances.

Compare loans Icon Compare loans

First decide how much you need to borrow and for how long, then select “update”, to update your results and see what ranks best for you.

Choose your loan Icon Choose your loan

Once you have chosen option, click on the link to go direct to the loan lenders' website and find out more.

Apply for your loan Icon Apply for your loan

When you have checked all the information, including the Terms and Conditions, and are confident you can afford the loan, fill in the lender's application form.

Receive your loan Icon Receive your loan

If the lender approves your application, the cash will be transferred to your selected account.



What is a loan?

A loan is a sum of money that you borrow for a set amount of time, at an agreed interest rate. Your monthly repayment amount will be determined by how much you borrow, how long you borrow for, and the interest rate attached to you loan. A higher interest rate will mean that the money you borrow will cost you more, and your monthly payments may be higher. Loans include the following categories. 

Personal loans - Loans for individuals, Business Loans - Loans for businesses, Car loans - Loans for vehicles, Short term loans - Smaller loans for temporary needs or an emergency (usually with a loan term of less than one year).

Choosing a loan
Always shop around and compare lenders before applying for a loan.  Look at interest rates, read terms and conditions, and most importantly, make sure you can afford the repayments.  Failure to pay back a loan can damage your credit history, making it difficult to borrow money in the future, whether that’s another loan, a credit card or a mortgage.

Paying back a loan

Most loan payments are collected monthly from your bank account, in the form of a direct debit. A benefit of paying back by direct debit is that the money is collected and paid to the lender "automatically" as long as there is money in your account, and there’s s less worrying about forgetting to make the payments.

When should I use a short term loan? -

Short term loans should only be used in genuine emergencies, where you need money quickly and don't have a cheaper alternative. Even though these are often considered to be small loans, they are an expensive way to borrow money and should only be used for one occasions. For example - your car breaks down two weeks before payday, and you rely on it to get to work, but you don’t have the money available to pay a garage to fix it. Or your boiler breaks down and needs to be repaired.

Short term loans should not be used to make unnecessary purchases or if you are experiencing financial difficulties for some time. Before applying, consider whether a short term loan is right for your current financial situation.

How do I find the best short term loans for my situation? +

When you compare short term loans, be sure to explore all the available options rather than going to the first popular short term lender. As a quick guide, you may find it helpful to compare the following factors when looking for the best payday loan or short term loan options for your situation:

  • Compare the APR and the Representative APR
  • Check the monthly payments and total payment you will need to make and ensure you're confident you can make the payments
  • Check the lender is authorised and regulated by the FCA - you can look up a lender on the FCA register.
  • Before you apply, know exactly how much and when you will need to pay your loan. Late payments on a payday loan will hurt your credit score, and may cost you much more in fees. Defaults will remain visible on your credit report to other lenders for up to 6 years. And finally, consider cheaper alternatives such as a pay advance from your employer or a 0% purchase credit card.

 

How much should I borrow? +

This is down to your current personal finances. It may be helpful not only to compare vehicle finance options and how much your monthly repayments will be, but to also think about all the additional expenses that come with owning a car. For example, fuel, insurance, maintenance and road taxes. Once you have a monthly total for all these costs, you will know how much you can afford to pay back and the loan amount you will need.

Sometimes it's best to be conservative and borrow less. Give yourself a buffer just in case things go wrong. Remember that your car is at risk if you fail to pay back your car lender.

What does APR mean? +

APR stands for Annual Percentage Rate. This is the total cost of borrowing for a year. It includes the interest you have to pay, as well as any standard fees. You will see APR displayed when viewing and comparing personal loans, credit cards, hire purchase agreements and mortgages.

Representative APR is used as a guide to help give you an idea of the “average” cost for a specific loan. It is “representative” or “typical” of what 51% of customers will receive as a rate (or higher) from the lender. However, there is no guarantee that you will get the Representative APR advertised, as the actual rate you receive will depend on your circumstances.

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