Personal loans • No property security
Explore unsecured loans (also known as personal loans) with straightforward guidance, competitive rates, and personal service from an FCA-authorised UK broker. Whether you are consolidating debts, covering unexpected expenses, or funding a personal project, we will help you compare lenders and find an unsecured loan that suits your needs and budget, without needing to secure it against your home.
We’re a credit broker, not a lender. We’ll search suitable options and explain costs clearly and fairly.
Illustration only. Real lender offers depend on status and affordability.
Likely match score
Combine multiple debts, such as credit cards or overdrafts, into one simple monthly payment, potentially at a lower interest rate.
Cover emergencies like car repairs, medical bills, or urgent home fixes quickly and easily.
Fund holidays, weddings, education, or other life events without tying up assets.
Don’t assume options are limited if you’ve had missed payments, defaults, CCJs, or thin credit files. Specialist lenders may consider your application based on your current profile.
We understand fluctuating income. We’ll present your case effectively using the right documents to access more lender choices.
We follow FCA rules so information is fair, clear and not misleading.
Borrowing £5,000 over 36 months at a fixed rate of 9.9% per year, the monthly repayment would be about £160.04, with total repayable around £5,761.44.
When we show a rate or cost, an example is shown with equal prominence and kept fair, clear and not misleading.
Speak to an adviser for tailored calculations based on your circumstances.
An unsecured loan (or personal loan) is borrowing without collateral like your home or car. It is based on your creditworthiness, so rates can be higher than secured borrowing, but there is no specific charge over your property if repayments are missed (though this can still impact your credit file).
Typically from around £1,000 to £25,000, depending on your income, credit history and affordability. Lenders assess what you can comfortably repay each month.
Most unsecured loans are fixed rate, giving certainty over your monthly payments. Some variable options exist; we will compare based on your preferences and current market rates.
Yes, specialist lenders may consider applicants with adverse credit if it is not very recent or severe. Stable income and sensible affordability help. We can often check eligibility using soft searches first.
For straightforward cases, funds can sometimes be released within 1–7 days from enquiry, as there is no property valuation required.
It depends on your plans. Unsecured loans often suit larger amounts or longer terms because payments are fixed. Credit cards may suit smaller, short-term borrowing, especially with promotional rates. We will provide a balanced comparison.
Yes, and it can simplify your payments into one monthly amount. However, stretching the term can increase the total interest repaid. We will only recommend consolidation where it appears suitable for you.
Get a free, no-obligation chat with a UK-based adviser. We will explain your options clearly and help you decide your next step with confidence.
