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What is a personal loan?
A personal loan allows you to borrow a fixed amount of money over a certain period of time. This loan will then be paid back, usually at a fixed rate, over a set period of months. A personal loan usually offers between £1,000 and £36,000. Customers can use this loan to purchase a new car, do some home improvements or to help with debt consolidation. If it looks like your credit rating may affect getting a loan, our loans for bad credit page may be able to help.
What is an unsecured personal loan?
An unsecured loan is exactly the same as a personal loan. With these types of loans, you don’t have to offer up any kind of collateral (e.g. your house) as a guarantee in order to get the loan. While this could mean less risk to you when borrowing the money, unsecured loans tend to have higher interest rates as a result.
The loan application process
What you'll need to apply for a loan
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Looking for car finance?If you’re not sure how best to fund your car, it may be worth looking at the different types of car finance available. These include:
Need more help? Take a look at our expert guides
A look at credit scores and credit checks.
What you need to know about APRs.
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Unravel the confusion behind APRs when borrowing.
Improve your credit score? We'll show you how.
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