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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.

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

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

Loan
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

Homeowner Loan Deal

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

Homeowner Loan Deal

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

UNITED TRUST BANK

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

Homeowner Loan Deal

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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Low APR Guarantor Loans

Borrowers with bad credit scores may find it more challenging to find it more difficult to secure traditional personal loans; some borrowers may consider opting for a guarantor loan therefore instead. Guarantor loans are a type of loan designed for borrowers with poor credit scores, they work by a third party, normally a friend or family member of the borrower accepting responsibility to repay the debt if the borrower fails to make their repayments.

About Guarantor loans

If looking for low APRA guarantor loans a borrower will find that APR offered can between lenders as well as by period and loan amount and other factors, despite the added level of protection offered to a lender by the guarantor on the loan, it is very likely that a guarantor loan will have higher interest rates than you would find on a good credit personal loan of the same size.  However lenders may be willing to offer larger loan amounts than they would with other types of bad credit product.

Although specific requirements can vary by lender, guarantors are usually required to:

  • Be aged 21 years old or over
  • Have a good credit score
  • Have a permanent UK address
  • Have a UK bank account
  • Some lenders may require them to be a UK homeowner

Agreeing to be an guarantor is not something to be considered lightly and it is important that the guarantor completely understands the implications before they sign to agree to be guarantor; if the borrower misses a repayment on their loan it will become the guarantor’s responsibility to repay to the lender, if the loan is secured against the guarantor’s home then they risk it being repossessed if they cannot repay the loan.

Before taking out a guarantor loan

Although there are a more limited selection of guarantor loan lenders compared to regular personal loan lenders, it may still be wise to shop around different providers to try and find the best deal available.

Borrowers may also want to consider other options. If the borrower already has the required funds in their savings it may be better to use these than seek finance. This is because the interest rates earned upon a sum may be considerably less than a borrower would be charged on a guarantor loan of the same size.

Borrowers may also want to consider other types of finance and consider checking their credit score to see if they can find out which products may be available to them.

5 reasons to use our Loan Service

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  • 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

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