Borrow

Personal loans

Borrow between £1,000 and £25,000 at a rate fixed for the whole term, with the total amount repayable shown before you apply.

How we lend

Four commitments, written into the agreement

Check your rate without a mark on your file
The eligibility check is a soft search. It shows the rate you would actually be offered and leaves nothing behind for another lender to see.
Fixed for the whole term
The rate you accept is the rate you pay in the final month. It does not track anything and it does not reset.
Overpay whenever you like
Pay off part or all of the balance early and we recalculate the interest. The early settlement charge is capped and shown in your agreement.
Money the same day, usually
Accepted applications are typically funded within hours, and always within one working day of the agreement being signed.

What can I borrow for?
Most purposes: a car, home improvements, consolidating other borrowing, a large one-off cost. We cannot lend for gambling, investment, or business purposes on a personal loan.
Will I get the representative APR?
At least 51% of accepted applicants do. Your own rate depends on your circumstances, and we show it — with the total repayable — before you commit to anything.
What if I miss a payment?
Contact us before the due date if you can. We will not add a charge for a first missed payment, and there are options — a payment holiday, a longer term — that we can discuss.
Can I take a loan without a current account here?
You need a Reliance Bank current account for the repayments to be collected from. Opening one is part of the application if you do not already have it.

A soft search that shows your actual rate and leaves no mark on your credit file.