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Free Eligibility Checker

Find out in minutes which loans you qualify for with Freedom Finance

  1. 1 Check your eligibility without harming your credit score
  2. 2 Choose from pre-approved loan offers
  3. 3 Apply direct to lender
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This service is provided by Freedom Finance, checking your eligibility against their panel of lenders using a soft credit search*
18 products found
  • Tesco Bank Personal Loan logo

    Tesco Bank Personal Loan

    • Loan Type
      Unsecured
    • Representative APR
      2.9% APR (£7,500 to £25,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • You must be aged between 18 and 74 throughout the term of the loan
    • You must have been a permanent UK resident for three years and have a UK personal current account
    • You must have a minimum annual income of £10,000
    • You must have a good credit rating
    • Rate shown is only available on terms of 1 to 3 years
  • AA Personal Loan - Breakdown Cover included* logo
    Broker

    AA Personal Loan - Breakdown Cover included*

    • Loan Type
      Unsecured
    • Representative APR
      3.4% APR (£7,500 to £25,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must have been a UK resident for at least 3 years
    • Must be over 21 and no older than 70 when the loan term ends
    • Must have a regular income above £12,000 a year. If self-employed, you must have been so for over 2 years
    • Must have a good credit rating without a history of CCJs or bankruptcy
    • Must have a UK based bank or building society account that can pay direct debits
    • Must ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit
    • *As an AA loans customer you'll get 12 months Basic Breakdown Cover included at no extra cost, or an add-on if you're already a Member.
  • Post Office Money Personal Loan logo
    Broker

    Post Office Money Personal Loan

    • Loan Type
      Unsecured
    • Representative APR
      8.9% APR
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must have been a UK resident for at least 3 years
    • Must be over 21 and no older than 70 when the loan term ends
    • Must have a regular income above £12,000 a year
    • Must have a good credit rating without a history of County Court Judgements or bankruptcy
    • Must have a UK based bank account or building society account that can pay direct debits
    • Must be able to meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit
  • Hastings Personal Loan logo

    Hastings Personal Loan

    • Powered by Freedom Finance
    • Loan Type
      Unsecured
    • Representative APR
      10.9% APR
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be permanent UK resident
    • Must have a current Bank or Building Society Account
    • Must be in permanent paid employment
    • No current bankruptcies
    • No current debt management arrangements
    • No active IVAs
  • Shawbrook Personal Loan logo

    Shawbrook Personal Loan

    • Powered by Freedom Finance
    • Loan Type
      Unsecured
    • Representative APR
      14.9% APR
    • Available Amounts
      £1,000 - £35,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must have been a permanent resident of the UK for at least 12 months
    • Must be aged 21 or over (at start of the loan)
    • Must have a current bank or building society account
    • No bankruptcies, CCJ's, or active IVAs
    • Must not be unemployed
    • Must have a good credit history
    • Not available for the following loan purposes: bridging loan, business vehicle, business loan, holiday home, investment, mobile home, property purchase, income tax bill
  • Norton Finance Personal Loan - For homeowners only logo
    Broker

    Norton Finance Personal Loan - For homeowners only

    • Only available to homeowners
    • Loan Type
      Unsecured
    • Representative APR
      15.4% APR
    • Available Amounts
      £3,000 to £25,000
    • Min / Max Terms
      1 to 25 years

    Eligibility Criteria

    • Must be aged 18 to 80
    • Must be a homeowner
    • Must have a minimum income of £7,500 per year from employment, pension or benefits
  • Freedom Finance logo
    Broker

    Freedom Finance

    • Loan Type
      Unsecured
    • Representative APR
      15.9% APR
    • Available Amounts
      £500 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must be aged 18 years or over
    • Must be a UK resident
    • Interest rates are dependent on your individual credit score
  • My Community Finance Personal Loan logo

    My Community Finance Personal Loan

    • Powered by Freedom Finance
    • Loan Type
      Unsecured
    • Representative APR
      23.9% APR
    • Available Amounts
      £1,500 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 21 or over at the start of the loan
    • Must be a Permanent Resident of the UK (excludes NI, Channel Islands, Isle of Man)
    • Must have a current bank or building society account
    • Must earn at least £18,000 from employed or self-employed income
    • No current debt management arrangements, active IVA's, or bankruptcies
  • KOYO Personal Loan logo

    KOYO Personal Loan

    • Powered by Freedom Finance
    • Loan Type
      Unsecured
    • Representative APR
      27% APR
    • Available Amounts
      £1,000 - £3,000
    • Min / Max Terms
      6 months to 3 years

    Eligibility Criteria

    • Must be a permanent resident of the UK for at least 12 months (Not IOM or Channel Islands)
    • Must be aged 20 or over (at start of the loan)
    • Must have a current bank or building society account
    • No current bankruptcies, CCJ's, or active IVAs
    • Must not be unemployed
  • Lendable Personal Loan logo

    Lendable Personal Loan

    • Powered by Freedom Finance
    • Loan Type
      Unsecured
    • Representative APR
      27.9% APR
    • Available Amounts
      £1,000 to £10,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged between 18-70 (at time of application)
    • Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
    • Have a net monthly income of £800+
    • Must not be unemployed
    • Bankruptcies, active CCJs and IVAs not accepted
  • Oplo Personal Loan logo

    Oplo Personal Loan

    • Only available to homeowners
    • Loan Type
      Unsecured
    • Representative APR
      30.8% APR
    • Available Amounts
      £2,000 to £15,000
    • Min / Max Terms
      2 to 6 years

    Eligibility Criteria

    • Must be a homeowner
    • Must be aged 21 or over at the start of the loan
    • Must be a UK resident (excluding the Channel Islands and Isle of Man)
    • Must have a current bank account or building society account
    • Must be in permanent paid employment
    • Must not be currently bankrupt or in an IVA or debt management arrangement
  • Guarantor My Loan logo

    Guarantor My Loan

    • Powered by Freedom Finance
    • Loan Type
      Guarantor
    • Representative APR
      48.9% APR
    • Available Amounts
      £1,000 to £10,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 21-75
    • Must be a UK resident
    • Must not be on an active bankruptcy, IVA or equivalent
  • George Banco Guarantor Loan logo

    George Banco Guarantor Loan

    • Powered by Freedom Finance
    • Loan Type
      Guarantor
    • Representative APR
      49.7% APR
    • Available Amounts
      £1,000 to £15,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be a UK resident (excludes Isle of Man and Channel Islands)
    • Must have a UK bank account
    • Must be aged 21 or over
    • Must have a UK bank account with a valid UK debit card
    • Must have a minimum income after tax of £1,000 pcm (not furloughed)
    • Must not be subject to a current Individual voluntary arrangement (IVA) or bankruptcy order
    • Guarantor must live in the UK with provable income, a UK bank account and no current bankruptcies or active IV's.
  • Aspire Money Personal Loan logo
    Broker

    Aspire Money Personal Loan

    • Loan Type
      Unsecured
    • Representative APR
      49.9% APR (£500 to £10,000)
    • Available Amounts
      £500 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Over 18s only
    • UK residents only
    • Must be full time employed
    • Must be earning over £1,200
    • Interest rates may vary due to your circumstances and loan amount required
  • Likely Loans Personal Loan logo

    Likely Loans Personal Loan

    • Powered by Freedom Finance
    • Loan Type
      Unsecured
    • Representative APR
      59.9% APR
    • Available Amounts
      £500 - £5,000
    • Min / Max Terms
      1 to 3 years

    Eligibility Criteria

    • Must live in the UK (excluding the Channel Islands and Isle of Man)
    • Must be aged 18 or over at start of loan
    • No bankruptcies within last 12 months
    • Must have a UK Bank Account and Debit Card
    • Can be Tenant or Homeowner
    • Must be Employed or Self Employed
  • SafetyNet Credit Facility logo

    SafetyNet Credit Facility

    • Loan Type
      Credit Line
    • Representative APR
      68.7% APR
    • Available Amounts
      £100 to £500
    • Min / Max Terms
      No min or max term

    Eligibility Criteria

    • Must be a UK resident
    • Aged 18 or over
    • Monthly minimum income of £700
    • Full-time or part-time employment or self-employed
    • Must have internet banking log-in details
    • Must have debit card and bank account into which salary is paid
    • Must have a mobile phone and email address
    • Bankruptcy, IVA, CCJs or equivalents not accepted
  • Bamboo Personal Loan logo

    Bamboo Personal Loan

    • Powered by Freedom Finance
    • Loan Type
      Unsecured
    • Representative APR
      69.9% APR
    • Available Amounts
      £1,000 to £8,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Be aged between 18 - 72 (at time of application)
    • Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
    • Have a net monthly income of £600+
    • Must not be unemployed, a full time student or on benefits
    • Must not be currently bankrupt or in an IVA
    • No CCJs or defaults in last 12 months
  • Everyday Loans Personal Loan logo

    Everyday Loans Personal Loan

    • Powered by Freedom Finance
    • Loan Type
      Unsecured
    • Representative APR
      99.9% APR
    • Available Amounts
      £1,000 - £15,000
    • Min / Max Terms
      18 months - 5 years

    Eligibility Criteria

    • Must be permanent UK Resident for at least 12 months (Not IOM or Channel Islands)
    • Must be aged 18 or over (at start of the loan)
    • Must have a current Bank or Building Society Account
    • No current bankruptcies, CCJ's or IVAs
    • Must not be unemployed

Our comparison service features a selection of providers from whom we receive commission.

This table is ordered by Representative APR.

Eligibility Service:

*The loans eligibility service is provided by Freedom Finance. The data you supply and submit is used to retrieve loan quotes from Freedom's panel of lenders. By using their loans eligibility service you are agreeing to Freedom's terms and conditions and privacy policy which can be found at freedomfinance.co.uk

Freedom Finance is a trading style of Freedom Finance Limited who are authorised and regulated by the Financial Conduct Authority. Freedom Finance Limited. Registered Office. Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Registered in England & Wales 06297533. FCA No. 662079. VAT Registration Number 257 0001 44.

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How to Choose a Loan

Although some lenders have become strict about who they lend to since the economic crash, the rise of alternative lenders has offset this a little. It’s true that the very best interest rates are still reserved for those with a good credit record, but even those who have struggled with repaying loans in the past might find they can secure a loan with an online lender.

However, just because you can get a loan doesn’t necessarily mean you should as borrowing always comes at a cost. Remember that defaulting on a secured loan could mean losing your home.

Choosing the right loan is about finding an option that offers you the amount you need with a repayment plan you can afford. If you can find these elements wrapped up in a deal you may have just found the right loan for you.

The main types of loan – secured and unsecured

  • Secured loans: Secured loans are offered in exchange for security, usually in the form of a property or a similar high-value asset. Most secured loans are only an option to borrowers who own their homes. Although rates tend to be lower and loan amounts tend to be much larger, opting for a secured loan comes with major risks. If you fail to keep up with your repayments, the lender can force the sale of your home in order to repay the debt.

  • Unsecured loans: Unsecured loans are a much more popular option for more casual personal loan customers. While secured lenders can offer hundreds of thousands of pounds to homeowners, repayable over a number of years; unsecured loans are usually for up to around £20,000 and are repayable over a number of months, or around about 5 years. Interest rates payable on unsecured loans are often higher than for secured loans, and credit and affordability checks can be tougher.

Common types of Secured Loan

  • Homeowner loans: This is the most common form of secured personal loan. They are available only to homeowners who are willing to put the equity they have in their home forward as security for their loan.

  • Car finance loans: Taking out a loan against the value of your car when you buy a new or used vehicle is commonplace. There are various types of car finance deal, but each usually uses the car’s value as security.

  • Debt consolidation loans: Some specialist debt consolidation loans are secured against property or major assets.

  • Bridging loans: These loans are often used when purchasing homes as a means of bridging the gap around mortgages being agreed, for example They are usually secured against your home.

Common types of unsecured loan

  • Standard personal bank loan: Bank loans are often offered based on your credit record and other factors such as your employment status and income.

  • Personal loans with alternative lenders: Alternative lenders, such as online-only banks now offer personal loans. The amount you are offered and the term available will depend on your credit score and affordability checks amongst others.

  • Peer-to-peer loans: Arranged through online peer-to-peer platforms, these involve members of the public lending to others who need access to funds.

  • Short-term loans: Short-term loans are personal loans offered over short periods of time: usually up to around a year. Loan amounts and terms are limited and interest rates can be high.

  • Payday loans: Payday loan are extremely short-term loans, which are repayable, usually in one single payment, within days of taking the loan out. High interest rates are commonplace.

  • Guarantor loans: Guarantor loans can be offered to those with poor credit ratings who have a loved one who will commit to repaying a loan if the borrower is unable.

Deciding which loan is right for you

Once you’ve decided that you would like to take out a loan, you’ll need to begin by asking yourself several fundamental questions.

  1. How much do I need to borrow?
  2. How much can I afford to repay each month?
  3. Am I comfortable risking my property?

Once you have the answers to these questions, you are halfway there. Check our FAQs for more important areas to consider.

2019 Know Your Money Loan Survey Data

According to our data sample of 2,008 UK adults, 25% of people have missed a payment on one or more forms of debt, while 20% have defaulted completely on a form of debt in the past (i.e. been unable to pay it). Furthermore, our research revealed that 32% of people do not have a clear plan of where and how they will pay off their debt.

In an era of easy credit, these stark figures highlight how important it is to have the right attitude to debt. Find out how to get free debt help here.

Choosing a loan FAQs

How do I know how much a loan costs?

What are the lending criteria for loans?

Are payday loans risky?

Is there such a thing as a bad credit loan?

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