Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.
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.
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We’re finance experts. This means we know our stuff when it comes to helping our customers find the right personal loan for them. We know where the best deals are and have access to exclusive deals just for Lending Expert customers.
As a comparison website and credit broker we’re not tied to one credit card provider. This means we can search the wider market to find you the best personal loan deals from across the UK.
Our eligibility checker and quote forms only take a few minutes to complete. Get an online result within just a few minutes.
We will search the market to find you the best loan deals. Our comparison service will save you time and money and ensure you're getting the right type of consolidation loan available.
Using a personal debt consolidation loan can help you consolidate all your outstanding debts into one single, more convenient personal loan, giving you one single monthly repayment to make and helping you pay off your debts in a more practical and cost effective way.
Personal loans are the most common types of loans in the UK and are used for everyday purposes including holidays, paying bills, travel expenses, home improvements and more.
When you compare personal loans with Lending Expert, you can borrow up to £25,000 over 1 to 7 years, with no guarantor required. Your eligibility is based on your income and credit history and you are not required to use anything as security since all loans are unsecured.
If you are a strong candidate, you could receive the lowest rates across the entire loans market.
Lending Expert offers a simple price comparison table, giving you access to the full personal loans market including the loan amounts, rates and terms.
Simply select the lender of your choice and click on ‘Check My Eligibility’ where you will be taken to their website and can complete an application in under 5 minutes. You will usually receive an immediate decision and if successful receive funds within 24 to 48 hours or sometimes the same day of applying.
The best personal loans are available up to £50,000, with some lenders offering loans for loans for higher amounts.
Personal loans are types of unsecured loans, so you do not need to put down anything as collateral or a valuable asset such as your car or home to be eligible.
Instead, the amount you can borrow is based on your income, credit status and your outstanding debt. So the higher your income and better your credit score, typically the more you can borrow, assuming you do not have too much debt outstanding.
Lenders will carry out affordability measures to match the perfect amount you can borrow without falling into financial difficulty.
Your loan may be subject to status and depending on the selected lender, you may need to provide proof of income with a payslip or bank statement.
Yes, customers can apply for personal loans for bad credit histories and depending on the lender, this might be reflected in a slightly higher interest rate charged or lower amount that you can borrow.
If you are looking for a personal loan for very poor credit, you may be required to add extra security to your application such as using your car or home as collateral or applying for a loan with a guarantor.
The fees charged for personal loans will depend largely on your credit score, with customers with the best credit scores able to access low personal loan rates with bad credit histories will usually pay higher rates to reflect the extra risk.
The personal loan lenders that we work with will have different eligibility requirements and you may find that the best rates are available for homeowners or those with low outstanding debts or no other loans outstanding.
However, all the personal loan examples are shown as ‘representative APR’ which is only eligible to 51% of successful customers, so you could always pay higher or lower depending on the criteria.
The terms offered by lenders can vary and also based on how much risk they are willing to accept at that point in time. Depending on the criteria and the lender, two very similar customers could receive different rates.
Yes, we work with over 50 direct lenders so you have peace of mind that you can apply for a loan directly on the lender’s website.
We review every lender and their processes before they are listed on our trusted price comparison tables. Lending Expert is here to help find the best personal loan for you – and you can be rest assured that you will not be charged any fees and applying will not affect your credit score.
Personal loans can typically be funded within 24 to 48 hours, since most applications are pretty straightforward. Lenders are able to run a series of automated checks to determine your eligibility for a loan and how much you can borrow. In some cases, they may request proof of identity, income or bank statements or require a quick phone call to confirm some details.
To get a fast personal loan, make sure that you give accurate information and are available to by email or phone to respond to the lender.
Lending Expert can help you compare personal loans and get the best deal possible, according to your requirements.
With our price comparison table, you have a list of trusted and active lenders who are looking for customers just like you. Use our table to find the right lender for you based on your desired loan amount and duration. Simply click on ‘Check My Eligibility’ next to your chosen lender where you will be taken directly to their website where you can apply.
Our personal lenders will usually give an instant decision on the screen and if successful, customers can receive funds within 24 to 48 hours or the same day they apply.
Generally, most unsecured personal lenders can offer up to £25,000. If you wish to take out a larger loan, you may need to consider a secured loan and using something as collateral (e.g car or property).
Personal loans are repaid over 1 to 7 years in equal monthly instalments. You will typically have the choice to repay the loan early at any time. There may be early repayment fees or you could save money on the overall interest.
An application takes less than 5 minutes to complete online. Make sure that you have your details available including your address, monthly income and bank account details (so the lender knows where to deposit funds). You will usually get an instant decision or indicative quote on the screen and the lender will run some further checks to complete your loan as soon as possible.
No, personal lenders will always run a credit check prior to approving or funding a loan. This is to assess the creditworthiness of the customer and the likelihood of repayment. If you think you might be rejected due to your credit score, consider applying for bad credit, guarantor or secured loans.
Nothing. There will be no fees applied and no impact to your credit score. Lending Expert is here to help. We offer a range of financial alternatives, including credit cards, guarantor and secured loans and we cater for all credit histories.
No, if you apply for a personal loan online, it will not damage your credit score. If the lender runs a soft check, this will disappear shortly after. If the lender runs a hard credit search, this will remain on your record for 12 months but will not impact you negatively.
Yes. A lender will look at your loan affordability and check that your current income from your casual work is adequate to meet the loan repayments. You will also need to show proof of income from your current employer such as your most recent payslips.
Yes. Most lenders consider self-employed and sole trader applicants as long as you can show adequate proof of income from either your business or dividends as a company director.
Yes. There may be some restrictions depending on your age. However many lenders will consider applicants up to the age of 70 or 75 depending on the length of the loan term you require.
Personal loans available from direct lenders with and without a guarantor. Check your eligibility and apply online for a loan in the UK here on Lending Expert.
Loans displayed have a minimum term of 12 months and a maximum term of 360 months. Maximum APRC charged 49.9%.
Overall Representative Example for Secured Loans
Based on borrowing £18,000 over 120 months. Interest Rate: 6.5% fixed for 60 months with instalments of £227.38. Followed by 60 months at the lenders standard variable rate of 4.95% with instalments of £221.71. Fees Broker fee (£1,530); Lender fee (£495). Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee and Lender fee. Overall cost of comparison 9.1% APRC.
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