Apply For £30,000 – £45,000 Loans

Using a debt consolidation loan can help you consolidate all your outstanding debts into one single, more convenient loan, giving you one single monthly repayment to make and helping you pay off your debts in a more practical and cost effective way.

Find The Best Loans for £30,000 to £45,000 With Lending Expert

Need to borrow £30,000 to £45,000? Lending Expert can help you find the loans best suited to your needs and personal requirements. Compare the top UK lenders with borrowing terms ranging from 1 to 30 years. 

We compare rates across the whole market for financial products including personal loans, unsecured loans and secured loans – helping you to find the best option for your circumstances and credit background.

Use our table to compare different rates and terms and click on ‘check my eligibility’ of the lender of your choice. The average loan application takes less than 5 minutes to complete and you will usually be given a provisional decision on the screen. Subject to some further checks, some loans can be approved and funded in a matter of hours or days (unsecured loans), with some loans usually completed within 1 to 2 weeks (secured loans).

Key Features

• Borrow £30,000 to £40,000
• Secured and unsecured lending options
• Repaid long term over 1 to 30 months
• Equal monthly repayments
• Working with direct lenders 
• Repaid on your pay date
• Early repayment available

 

What Can a £30,000 Loan Be Used For?

Our lenders can offers loans for any purpose including:

• Debt consolidation
• Funerals
• Gifting to loved ones
• Making home improvements
• Purchasing a new car or vehicle
• Business or self-employment funding
• Large expenses, purchases and unexpected costs
• School fees
• Tax bills
• Weddings (also see Wedding Loans)

 

What Types of Loans for £30,000 and £45,000 Are Available?

£30,000 loans are broken down into either unsecured loans, where you do not require collateral or security, or secured loans where you do.

When unsecured, you are applying based on your income and credit score – so these will both need to be good or fair to maximise your chances of approval.

Secured loans are a little different. You are using your property or home as security and leveraging its value to borrow money. The more you own of the property, the more you can typically borrow. This can be an effective way to borrow large sums of money – and can also appeal to those with bad credit histories.

If you are borrowing against your home, it is important to note that this could be repossessed by the lender if you are unable to keep up with repayments.

 

Am I Eligible to Borrow £30,000 to £45,000 With Lending Expert?

The eligibility criteria to borrow £30,000 to £45,000 with one of our lenders can include:

• UK residents only
• Must be over 18 years old
• Must hold a valid UK bank account
• Must be able to show that they can afford repayments
• Must be in employment with a stable, regular income

 

For loans of £30,000 to £45,000, some of our lenders also require applicants to be homeowners. The exact eligibility criteria for a £30,000 to £45,000 loan will however, as with all loans, depend on the lender and the loan type.

Once you’ve found a loan you’re interested in from our table of lenders listed above, simply click the “Check My Eligibility” button, fill in our online form and receive a no-obligation quote.   

 

How Do Repayments Work For a £30,000 to £45,000 Loan?

For those looking to borrow £30,000 to £45,000 with one of our lenders, you will typically make repayments in equal monthly instalments.

Borrowers can choose their repayment date each month – with most people tending to opt for their pay date or the last working day of the month.

You can borrow over a period of 1 to 30 years – with the precise length of the loan depending on the individual loan application.

It’s important to note that should you have secured a valuable asset on the loan, and cannot keep up with repayments, this valuable asset – e.g. your property – may be repossessed by the lender to recover their costs. You should only ever take out a loan when you are confident that you can keep up with repayments, as failure to do so (in particular, with a secured loan) can lead to you losing your home. 

 

Can I Borrow £30,000 to £45,000 With Bad Credit?

Yes, you can be considered for a loan with bad credit. We work with lenders that are willing to consider all sorts of credit histories, relying on other factors of your application to determine whether you are eligible for a loan.

Therefore, for those with a poor credit history, you may still be eligible to borrow a £30,000 to £45,000 loan with one of our lenders – proving you’re a good applicant to lend to through your regular employment, your stable income, or potentially being able to secure the loan with a valuable asset.

 

Apply to Borrow £30,000 to £45,000 With Lending Expert

You can start your journey to borrow £30,000 to £45,000 with Lending Expert today. 

Simply use our price comparison table above to select the lender of your choice. Click the “Check My Eligibility” button and you will be taken to our application form where you can enter your details in less than 5 minutes.

Our broker team will process your application and suggest the loan product that is most suitable to you and your requirements.

When filling in our online form, you’ll be required to provide the following information:

• The amount you wish to borrow (£30,000 to £45,000)
• The length of time you wish to borrow it for
• Whether you are a homeowner or not
• Your full name
• Your contact details (e.g. email address and phone number)

 

All applications are completely free of charge to complete and will not impact your credit rating.

We aim to process and complete your £30,000 loan as soon as possible – with some lenders providing funds in one lump sum to your bank account within a few hours, days or weeks of applying.