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The Independent review organisation Reviews.co.uk report that reviewers recommend Lending Expert.

Lending Expert's

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.

Huge Market Comparison

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.

Authorised & Regulated

Lending Expert is an FCA regulated credit broker which means if you decide to proceed with loan you can be assured you are dealing with a legitimate and reputable finance company.

Saving You Money

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.


Borrow with Good Credit Loans 

If you have a good credit rating, you can often access loans with the lowest rates and have the highest chances of approval. By having a good credit score, the lender feels confident that you will be able to repay on time, and can reward you with low cost loans as a result. 

Lending Expert offers a simple way to compare loans for good credit ratings. With access to low rates, customers can borrow up to £250,000 repaid over 1 to 30 years. 

Simply click on the lender of your choice and click on ‘check my eligibility’ where you will be taken directly to the lender’s website where you can apply. All applications will be subject to further checks and if your loan is successfully approved, you can typically receive funds in 24 to 48 hours.

The Benefits of Good Credit Loans 

  • Borrow up to £250,000
  • Repay of 1 to 30 years
  • High approval and acceptance
  • Low rates
  • Same day funding available
  • No early repayment fees
  • No guarantor required


Good credit loans are usually types of unsecured loans, where you do not require any collateral or assets to be eligible for finance. Your eligibility is based purely on your income, affordability and credit score and you do not risk losing anything as part of the loan.

What is Considered To Be a Loan for Good Credit? 

For many UK lenders, the credit score is a good indication of how well the individual (or company) has repaid previous loans, credit cards and bills in the past. This information is used to determine their future eligibility for loans.

With different credit scores depending on the credit reference agency, if you are in the higher credit rating bracket, you will be deemed to have a good credit score and this will maximise your chances of approval.


  • For Experian, your credit score must be between 881-999
  • For Equifax, your credit score must be between 420 and 700
  • For Callcredit, your credit score must be between 4 and 5


Most lenders will have a minimum score requirement (this will depend on the lender) and if you meet the criteria, you can be eligible for a good credit loan, giving you some of the best rates on the market.

People with good credit scores will usually achieve this by having a strong history of paying off things like credit cards, loans and other bills on time. If you always pay on time and have zero or a limited number of missed repayments or defaults, it is likely that you would have achieved a good credit rating. This is important since it can maximise your chances of being approved for things like credit cards, loans and mortgages – and help you get the best rates.

You can also maintain a strong credit rating by not having too much credit open (such as dozens of loans or credit cards) and if you avoid sharing a bank account with someone with poor credit.

What is The Eligibility Criteria for a Good Credit Loan? 


  • Over 18 years of age
  • Full-time UK resident
  • Employed and working in the UK
  • Good or fair credit score
  • Able to afford monthly repayments
  • Up-to-date with your other financial commitments (no arrears)
  • Valid UK bank account, email and phone number


A key thing when determining your eligibility is your affordability. Whilst individuals may have a good credit score, they may have lots of other credit card bills and loans open and any additional loans could stretch them financially. 

So taking your affordability into account is key. If you are looking to consolidate your existing debts, you can apply for a debt consolidation loan, which will help you put all debts into one single payment every month.

How Can I Get a Good Credit Score Loan?

You can apply for good credit loans with Lending Expert using our comparison table provided. We have partnered with a number of very good credit lenders who offer low rates for people with high credit scores. 

If you are looking for a loan with a good credit rating, it is important that you do not have too many other outgoings or loan commitments, since this is something that lenders will review and want to make sure that you are not too stretched financially.  

A soft credit check is taken during the application process, which will assess your credit score and find the best loan for you. During this process, your credit score is not affected and will not have any impact on future applications. When you have completed an application with a lender, you will receive an instant decision and you can choose to proceed further.

What Information Do I Need To Apply for a Loan with Good Credit? 

  • How much you would like to borrow
  • How long you would like to borrow for
  • Name
  • Address
  • Contact Details
  • Employment and income


How To Apply For Good Credit Loans With Lending Expert 

Compare good credit score loans using our table provided. We have partnered with a number of competitive lenders who offer low rates and are actively looking to fund new applicants every day. 

You can compare the loan duration, loan amounts, repayment terms and more – and when you are ready, simply click on ‘check my eligibility.’ 

There are no fees for applying through Lending Expert – and there never will be. We will never pass on your details to any other companies without your permission and you are able to apply with each lender directly. Once you submit your information, you will be given a provisional loan decision and if you pass all the standard checks, you can receive funds to your bank account within 24 to 48 hours or the same day of applying.  


How Much Can I Borrow?

Lenders on Lending Expert can offer up to £250,000 for customers with good credit scores.

How Do Loan Repayments Work?

Falling under personal loans, you can repay over 1 to 30 years, usually in equal monthly repayments and the option to repay early at any point.

How Long Does an Application Take?

The average loan application takes less than 5 minutes to complete online and to give you a provisional decision. 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). Your loan will always be subject to further checks.

What Are The Best Products for Build Good Credit?

Financial products can be used to get used to paying debt on time and thereby helping you to build up your credit score. Using basic credit cards or credit builder cards are the best way to do this.

What Happens if My Loan Application is Declined?

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.

Good credit 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.

Related Links

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Compare secured loan with our approved secured loan brokers. Get expert advice and a quick quote here on Lending Expert.

Guarantor Loans

Get the loan you need with the help of a guarantor. Compare the cheapest guarantor lenders on Lending Expert.

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Logbook Loans

Secure a loan on your logbook with a direct lender. Compare and apply direct to lenders here on Lending Expert.

Bad Credit Loans

You can quickly apply online and check your eligibility with Lending Expert.