Personal Loans UK

Whether it’s those long overdue home improvements, a dream wedding, or a holiday in the sun, a small injection of cash can make a big difference. So why wait? With one of our lenders’ flexible personal loans, you can take control of your finances and make your dreams a reality.


Calculate Your Personal Loan

Taking out a personal loan is a big decision, so it’s always a good idea to consider your options carefully before you apply. The first step is to estimate how much you can afford to take out, and, with our personal loan calculator, it’s super easy to apply. Based on a representative APR, we can estimate your monthly repayments and how much you’re likely to pay back over the life of the loan, all at the touch of a button. You can use our online calculator as many times as like, and, once you’ve got a figure you’re happy with, you can use our simple, step-by-step process to start looking at potential lenders. It’s easy to apply with Now Loans, with no upfront fees and no obligation, and with our free, impartial service, you’ll get access to some of the most competitive rates on the market. So what are you waiting for? If you’re looking to get a personal loan, the answer to your financial troubles could be just a few clicks away.

  • You can borrow as much as £25,000 or as little as £1,000.
  • Our swift application process could mean you get your money sent to you the following day.
  • Our service is fast and free, with no obligation.
  • And, with our lenders’ flexible repayment terms they can find a plan to suit you, whatever your budget.

So, if you’re interested in personal loans, and you’re a UK resident, look no further.

  • Competitive rates

  • Money in your account within 24 hours

  • Free, no obligation service

  • Quick and easy application process

  • Flexible repayment terms

  • Homeowners and tenants welcome

Estimate your loan repayments

Use our loan calculator to work out your estimated repayment options

Repaid over how many months?

Estimated Repayments

Please fill in more information to see initial calculations.

Monthly repayments £
Total repayable £
Representative APR %

This tool is for guidance ONLY. It is designed to help you estimate loan repayments. It uses the representative APR of each product. Lenders have a duty to conduct affordability checks when you apply for a loan.

Representative example. Borrow £3,000 with repayments scheduled over 36 months each totalling £162.34 at a fixed interest rate of 45.10%. Total interest payable at £2,844.30, meaning the total repayable after 36 months is £5,844.30.

Representative APR 50.0% fixed. This example is for illustration purposes only. The rate and/or term you are offered is dependent on your individual circumstances.

Representative example. Borrow £3,000 with repayments scheduled over 36 months each totalling £144.16 at a fixed interest rate of 34.05%. Total interest payable at £2,189.60 meaning the total repayable after 36 months is £5,189.60.

Representative APR 39.9% fixed. This example is for illustration purposes only. The rate and/or term you are offered is dependent on your individual circumstances.

What Is a Personal Loan?

Put simply, a personal loan is a cash amount that you borrow from a bank, building society or an online lender that you agree to pay back in fixed monthly instalments, usually within one to ten years.

How much you borrow, your APR and the length of your agreement is influenced by your credit score, and, as personal loans are unsecured loans, you don’t have to provide any collateral to guarantee your repayments, such as your car or home, and you don’t need to find a guarantor to co-sign the loan with you.

So, if the unthinkable happens, and you can’t meet your commitments, there’s no risk of losing any of your prized possessions. Here, at Now Loans, you’ll get access to a wide range of personal loans through our select panel of trusted lenders; our service is quick and secure, and, even if you don’t have the best credit history you may still qualify.

  • You don’t have to own your own home to apply for a personal loan.
  • You can make extra payments on your loan or pay off the balance early to reduce your overall costs.
  • And, with our lenders’ strict affordability checks you can be confident that you’ll never borrow more than you can afford to pay back.

So, whether you’re looking to consolidate your existing debts into a more manageable sum, or you need to redecorate the spare room for a new arrival, here, at Now Loans, we’re happy to help. It’s free to apply, and our low interest personal loans could be the solution you’ve been waiting for.

How Is My Interest Charged?

When you sign up for a loan, you agree to a rate of interest over and above the amount you’re borrowing, which is then charged to your loan on a monthly basis. Your interest rate is calculated using your credit score, and, if you have a poor credit history you’re likely to incur higher rates.

At Now Loans, we do our best to help our customers find the right financial solution, whatever their circumstances, and our lenders specialise in providing medium to long-term personal loans to individuals who’ve been refused credit in the past. So it’s always worth checking your eligibility.

It’s free to apply, and we could have a decision for you in principle within a matter of minutes.

Repaying Your Personal Loan

Here, at Now Loans, we’re dedicated to helping our customers find practical, long-term solutions to their financial problems, and, with our panel of specialist lenders, you can borrow as much as £25,000, and, subject to affordability checks, choose a repayment plan to suit you.

You can take out a loan over one to ten years, make extra payments to settle the balance early, reducing your overall costs, and even pay it all off in one lump sum. And, if you’ve got bad credit history, making regular payments on your loan could even help to improve your credit score.

So, if you’re interested in personal loans, our quick, hassle-free online service could well be the answer you’ve been looking for.

How Long Will It Take for My Loan to Be Processed?

Here, at Now loans, we pride ourselves on delivering a fast, efficient service. It’s easy to apply, and, by entering just a few simple details you’ll be able to compare some of the cheapest deals on the market.

All you have to do is follow our simple, step-by-step process:

  • Use our personal loan calculator to decide how much you want to borrow and for how long.
  • Type a few personal details into our online form: name, address, employment details, etc.
  • Hit the ‘apply now’ button to get an instant response from our select panel of lenders.
  • Choose the best deal from a range of competitive options, and click on the link.

If you’re successful in your application, you could have a decision in principle within minutes, and the funds in your account the very next day.

How Much Can I Borrow?

Depending on your circumstances, you can borrow as much as £25,000 or as little as £1,000. You can check your eligibility at the touch of a button, our service is safe and secure, and it’s free to apply. So what are you waiting for? It’s time to stop putting your life on hold and make your dreams a reality!

© 2019 Now Loans. Rights reserved.

Now Loans is a licensed credit broker and not a lender. Nothing on this website constitutes financial advice. If you need financial advice you should speak to a qualified financial advisor. This website provides information only. The choice of product is yours and your alone. As a broker we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to affordability. We may receive a commission if you use our website to obtain credit. Find out how works.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay. Missing payments on a loan will have severe consequences and may make obtaining credit more difficult in the future.

Now Loans is a trading style of Affiniti Digital Media Ltd. Registered Office: Chart House, 2 Effingham Road, Reigate, Surrey, RH2 7JN. Registered in England & Wales, number 05180470. Authorised and regulated by the Financial Conduct Authority (FRN 726074). Registered with the Information Commissioner’s Office – Z8703415.

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