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I accept the Privacy Policy and Terms & Conditions by submitting this application. I confirm that I have provided accurate financial information and considered potential future income & outgoings in determining my ability to repay the loan on the due date. I understand that credit reference and fraud prevention agencies may be used to make lending decisions and for the prevention of fraud and money laundering, as well as being contacted by SMS, mail, email, telephone and automated message in relation to my loan application by Lenders / Credit Brokers.
Rates from 4.5% APRC to 65.2% APRC are available - the highest rate is for customers with severe credit problems. Loans available from 1-25 years. Typical 10.9% APRC variable. Calls may be recorded for training purposes. The third party lender or broker may charge a fee of 0% up to 15% on your loan. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Range of Borrowing Options

Borrow from £500 to £2,000,000. Choose a loan amount that will best suit your needs.

Flexible Payment Periods

Terms from 3 years to 30 years. Choose a payback option that works for you.

Fixed & Discount Terms

Lock in your rate for 2 to 5 years. Enjoy discount rates for 1 and 2 year terms.

Loans for nearly any purpose

From consolidating your debt to taking a dream vacation, get financing for almost any need.

Why Use Our Services

  1. Compare rates from numerous lenders in ONE CONVENIENT place.

  2. By shopping the market you can compare loan rates and make an INFORMED decision.

  3. Brokers we work with are not attached to any lender, as such have UNBIASED offers.

  4. If you have POOR or NO CREDIT history, loan options may still be available.

Your Most Common Loan Questions

How much can I
afford to borrow?

How long should the
term of the loan be?

How am I judged
when I apply for a loan?

How do I make my
repayments?

What happens if
I miss a payment?

What are the possible
hidden charges when
taking out a loan?

How are interest
charges calculated?

What is a
non-standard lender?

How much can I afford to borrow?

Deduct your total monthly outgoings from your monthly income to find out how much disposable income you have. Be realistic. Don't commit the whole amount of your disposable income to loan repayments.

How long should the term of the loan be?

Plan to repay the loan as quickly as possible (watch out for early repayment charges). Lenders often charge lower interest rates if you borrow larger amounts or pay back over a longer period. But the longer the term, the more interest you'll have to repay in total.

How am I judged when I apply for a loan?

Judgement criteria vary from one lender to another. Typically, your income and your credit history are the two main factors. Many loan providers rely on data from credit reference agencies.

How do I make my repayments?

There are three principle ways in which your loan could be repaid. The most popular way is to set up a direct debit from your own bank account to the loan provider. Alternatively, you may be able to pay by cheque every month. Lastly, a small number of loan providers still allow payments to be made in cash to a branch.

What happens if I miss a payment?

If you miss the deadline, late payment penalties may apply, and the missed repayment may be recorded against you in your credit history both with the loan provider as well as with the credit reference agencies.

What are the possible hidden charges when taking out a loan?

You should be familiar with all charges, including interest, insurance premiums and arrangement fees before you sign your loan agreement. Some of the less obvious charges are those that may be charged for early repayment - these are listed on the product details page for each loan but you should also enquire with the lender when you are applying.

How are interest charges calculated?

The interest is calculated in two basic ways. Either the total interest due is calculated up-front, and added to the loan advance, or is calculated on an ongoing basis, either daily or monthly, based on the capital outstanding at that time. Repayments are simply the total of interest and capital divisible. The two methods make no difference to the total amount repayable to the lender.

What is a non-standard lender?

A non-standard lender provides finance to those who may otherwise have difficulty obtaining credit.

How much can I afford to borrow?

Deduct your total monthly outgoings from your monthly income to find out how much disposable income you have. Be realistic. Don't commit the whole amount of your disposable income to loan repayments.

How long should the term of the loan be?

Plan to repay the loan as quickly as possible (watch out for early repayment charges). Lenders often charge lower interest rates if you borrow larger amounts or pay back over a longer period. But the longer the term, the more interest you'll have to repay in total.

How am I judged when I apply for a loan?

Judgement criteria vary from one lender to another. Typically, your income and your credit history are the two main factors. Many loan providers rely on data from credit reference agencies.

What is a non-standard lender?

A non-standard lender provides finance to those who may otherwise have difficulty obtaining credit.

How are interest charges calculated?

The interest is calculated in two basic ways. Either the total interest due is calculated up-front, and added to the loan advance, or is calculated on an ongoing basis, either daily or monthly, based on the capital outstanding at that time. Repayments are simply the total of interest and capital divisible. The two methods make no difference to the total amount repayable to the lender.

How do I make my repayments?

There are three principle ways in which your loan could be repaid. The most popular way is to set up a direct debit from your own bank account to the loan provider. Alternatively, you may be able to pay by cheque every month. Lastly, a small number of loan providers still allow payments to be made in cash to a branch.

What are the possible hidden charges when taking out a loan?

You should be familiar with all charges, including interest, insurance premiums and arrangement fees before you sign your loan agreement. Some of the less obvious charges are those that may be charged for early repayment - these are listed on the product details page for each loan but you should also enquire with the lender when you are applying.

What happens if I miss a payment?

If you miss the deadline, late payment penalties may apply, and the missed repayment may be recorded against you in your credit history both with the loan provider as well as with the credit reference agencies.

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Loan details published on this site are for information purposes only and do not constitute financial advice.

At www.loansexpertonline.co.uk we do not give advice. www.loansexpertonline.co.uk is an Introducer not a lender or broker. On completion of our form, we will introduce you to one of our FCA authorised loan brokers. We will use your contact details to make this introduction and may receive compensation from our regulated broker partners for this introduction. A loan adviser from our chosen regulated broker partner will contact you by telephone. During that telephone call, the loan adviser will discuss your options in more detail. During this call, and other subsequent communication, you will be dealing with a regulated loan broker and not www.loansexpertonline.co.uk.

All solutions are subject to acceptance and eligibility. Further conditions will apply and calls are recorded for your protection. Initial advice is always free, however, if you enter into a loan agreement fees may apply; these are made clear by the adviser and also in the documentation you receive. Full details will be discussed prior to entering into any loan agreement and alternative options may be offered, if considered to be in your best interest. www.loansexpertonline.co.uk partners are all authorised and regulated by the Financial Conduct Authority and comply with their rules and principles of business.

9.8% APRC Representative. This means 51% or more of customers receive this rate or better. Representative Example: Assumed borrowing of £26,000 over 84 months, with a borrowing rate of 5.86% per annum for the 84 months. There would be 84 monthly instalments of £415.52. Total amount payable £34,998.68 comprised of; loan amount (£26,000); interest (£6,328.68); Broker fee (£2,080.00); Lender fee (£590). This would result in an overall cost of 9.2% APRC. Rates from as low as 4.5% APRC variable. Our highest rate is 47.9% APRC. Repayment periods available from 3-35 years. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.