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Finding you a better loan deal

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Loans from
£1,000 to £2.5m

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Personal Loan

3.2% APR 

  • £7,500 Loan over 5 years

Representative Example: The representative APR is 3.2% (fixed) so if you borrow £7,500 over 5 years at a rate of 3.01% p.a. (fixed) you will repay £135.29 for 60 months.

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3.88% APR 

  • £40,000 - £500,000 (3 to 30 year term)

Representative Example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1% APRC

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We found 4 loans for £15,000 over 10 years

Details
Lender
Loan
Monthly cost
Term
APR
More info
Min-max loan: £10,000 - £500,000
Cost: £150.02 per month
Term: 10 years
APR: 3.74%
£15,000
£150.02 per month
10 years
3.74%
more info Call now0117 313 8872

Representative example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1%

HOMEOWNER LOAN - GOOD CREDIT HISTORY ACCEPTED

Min-max loan: £10,000 - £2,500,000
Cost: £151.08 per month
Term: 10 years
APR: 3.89%
£15,000
£151.08 per month
10 years
3.89%
more info Call now0117 313 8872

Representative example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1%

HOMEOWNER LOAN - GOOD CREDIT HISTORY ACCEPTED

Min-max loan: £10,000 - £125,000
Cost: £151.16 per month
Term: 10 years
APR: 3.9%
£15,000
£151.16 per month
10 years
3.9%
more info Call now0117 313 8872

Representative example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1%

Homeowner Loan For: Home improvements; Expanding property portfolio; Car Purchase; School Fees; Tax Bill; Consolidating Debts - GOOD CREDIT HISTORY ACCEPTED - Self Employed & Pension Income Considered

Min-max loan: £10,000 - £500,000
Cost: £151.16 per month
Term: 10 years
APR: 3.9%
£15,000
£151.16 per month
10 years
3.9%
more info Call now0117 313 8872

Representative example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1%

HOMEOWNER LOAN - GOOD CREDIT HISTORY ACCEPTED

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.

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Guarantor Loans

About guarantor loans

Borrowers who have a bad credit score can find it difficult to secure traditional personal lending. This is because lenders will use a borrower’s credit score to assess the size of the risk that a particular borrower will not be able to make their repayments.

However, borrowers who cannot secure a traditional personal loan may find they are able to get a guarantor loan. Guarantor loans differ from personal loans in that the borrower is required to use a third party such as a friend or family member to agree to be their guarantor for the loan.

This means that the guarantor becomes for paying off the dept if the person who has taken out the loan misses one of their repayments. If the guarantor then fails to make the repayment it can have serious complications for both parties.

The Annual Percentage Rate (APR) of interest offered by a guarantor loan will vary by lender, the loan amount, period and other factors. Despite the added level of security to the lender on guarantor loans they do still tend to have higher Annual Percentage Rates than you would find with personal loans. However, a borrower may be able to borrow more with a guarantor loan than they would with other bad credit loan products due to the guarantor.  

General rules for who can be a guarantor

  • Be aged at least 21 years old
  • Have a good credit score
  • Have a permanent UK address
  • Often Lenders require them to be a UK homeowner

It is vital that a guarantor understands the full gravity of the risk they are taking on by accepting the role.

Before you take out a guarantor loan

You might want to think about alternatives to a bad credit loan before you commit to one. If you have any savings it could be better to use them instead. This is because the interest rates you might be earning on your savings are likely going to be less than the interest you would be charged on a loan.

It is also important to consider if you are thinking of taking out a loan to consolidate debt that spreading your payments over a longer term means you may ultimately be paying more overall than with your existing arrangements, even if the interest rate on this new loan is less than the rates you have at the moment.

Before taking out any kind of finance it can be a good idea to shop around different products to try and find the best deal available to you. using a soft credit check may help you find out exactly which products might be available to you.

5 reasons to use our Loan Service

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    Compare over 200 loans from over 20 lenders
  • 2
    UK market leading loan rates
  • 3
    Fast loan service - You could have a loan underwritten, approved and paid within 24 hours
  • 4
    Credit to suit all circumstances
  • 5
    Simple process

More From Fair Loans

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Homeowner Loans

Home Improvements Loan

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