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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 loan available.

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.

Apply for Loans with Your Partner 

If you are married or living with other friends or close relatives, it could make sense to make a joint loan application. This means that the loan is funded into one shared account and you can use this money together. It is perfect for any shared bills, expenses or home improvements, but it could be useful if you are married or living together and everything falls under one account anyway.

Lending Expert works with over 50 UK lenders, helping you find the best rates and terms based on your requirements. Use our clear and simple price comparison table provided and once you have found the right lender for you, simply click on ‘Check My Eligibility’ and you will be taken to their website where you can apply.

There are no fees for applying and completing an application will not impact your credit score. You can get a quote in less than 5 minutes and if successful, you can usually receive funds in 24 to 48 hours or in a matter of weeks if you are borrowing against your home. 


What Are The Benefits of a Joint Loan?

  • Borrow up to £250,000 for homeowners
  • Repaid over 1 to 35 years
  • Repayments are shared between two people
  • Unsecured loans often funded in 24 to 48 hours
  • Better acceptance rate if one person has bad credit
  • Applying will not impact credit score


What Are The Types of Joint Loans? 

  • Loans for married couples
  • Loans for partners
  • Loans with relatives
  • Loans with a family member
  • Loans for two people
  • Couple loans

Can I Get a Joint Loan with Bad Credit?

Yes. If both applicants or either one of the applicants have bad credit or no credit history at all then there are still options available. We have a range of lenders on our panel that consider bad credit loan applicants. Simply check your eligiblity here to compare joint loans on Lending Expert and get your results in just a few minutes.

What Loans Are Available for Partners and Married Couples? 

Personal loansA personal loan is used by individuals (not businesses) for personal expenses and purchases including paying bills, travel, holidays, weddings and more. Customers can borrow up to £25,000 repaid over 1 to 7 years and you have the option to apply unsecured (no collateral) or secured (against a car or property). If the joint loan is secured against a property like a flat or home, both applicants must be owners of the property.


Guarantor loans This is where the loan is for one person, but their partner or friend acts as a guarantor to provide extra security. The guarantor agrees to co-sign the loan agreement and cover the cost of the loan if the main borrower cannot. A guarantor is commonly a spouse, sibling or parent and is another form of joint loan.


Mortgages – Mortgages are the most common types of joint loans between spouses, siblings or married couples. You are borrowing money in order to buy a home, with a mortgage term of 1 to 35 years. You will need to make a deposit and depending on your eligibility, you may be able to borrow 60% LTV, 75% or 90% LTV towards the overall value of the property.


Homeowner Loans – If you and your partner are both homeowners and share the property, you can borrow money against the home and use this for things like home improvements, paying off debts and school tuition. 


What Are Couple Loans Used For?

Couple loans are often used to pay for household bills and expenses, whether it is loans for home improvements, mortgage repayments and other household or children-related expenses.

One of the main advantages is that you potentially get to maximise your chances of approval if one person has a better credit score than the other. So if you have bad credit, you may have more success borrowing with your partner than individually. If you are married or living together, you will be sharing all the expenses anyway, so having a couple loan can be quite practical.


Can My Partner Act As My Guarantor?

Yes, if you would like to apply for a guarantor loan, you can ask your partner or spouse to act as your guarantor. Ideally, they need to have a stable income and a good credit rating and by co-signing your loan agreement, this will boost your chances of approval and help you get the loan you need.


What is The Eligibility Criteria of a Joint Loan? 

  • Both parties are living in the UK
  • Can afford monthly repayments
  • Joint bank account
  • If secured, both parties must be co-owners of the asset
  • Valid UK mobile phone and email address


Get Approved for a Joint Loan with Lending Expert 

Lending Expert can help you find the best joint loan at the most affordable rates. We compare rates across the whole of the market and you can find the right loan for you, based on rates, long amount and duration.

We do not charge any fees for using our service and you have peace of mind knowing that you will not be impacting your credit rating or be passed onto numerous companies.

Simply choose the right lender for you and click on ‘Check My Eligibility’ – where you will be taken directly to the lender’s website where you can apply. Upon completing the application, you should get an instant decision and if successful, you can receive money to your bank account within a few hours, days or weeks.



Who Can I Get a Joint Loan With?

You can apply for a loan with your parents, siblings, partner, spouse, husband, wife, boyfriend, girlfriend - you name it!

Does My Partner Need to Be Employed?

This will depend on the loan. Some joint loans may need both parties to be employed (like a guarantor loan) but you can certainly have a homeowner loan or mortgage in both parties name and one party is not employed.

Can I Get a Loan if My Partner Has Bad Credit?

Yes, there are several loan options available is one party has poor credit - including secured loans and guarantor loans.

Does My Partner Having Bad Credit Affect My Credit Score?

Yes, it can do, since it is assumed that you will be stepping in and helping them financially and this could affect your ability to afford other loans. In this respect, you may need to disassociate from them if you are looking to get approved for finance.

Can I Stop Being a Guarantor?

You can stop being a guarantor only once the loan is repaid in full. You cannot stop half way through or ask another person to be the guarantor instead.

What Happens If I Cannot Repay My Loan?

If you struggle to repay your loan, you and your partner will both be responsible for repayments. There will typically be late fees and a negative impact to your credit score. If you have a secured loan, your property may be repossessed if you are very behind on repayments.

Can We Apply if We Are Both Self-Employed?

Yes, there are several loan options available if both parties are self-employed. Both individuals will need to show proof of income or dividends.

Related Links

Unsecured Loans

Apply for unsecured loans with repayment terms from 1 - 25 years. Solutions for all credit types from our panel of direct lenders and brokers.

Secured Loans

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.

Car Loans

Apply for a car loan and finance deals from our expert panel of brokers and direct lenders here on Lending Expert.

Payday Loans

Apply for payday loans from our panel of direct lenders. Loans from £50 - £2000 repaid over the short term on Lending Expert.

Business Loans

Compare business loans and finance from our expert panel of brokers and direct UK lenders. Solutions for all business types.

Bridging Loans

Apply for short term bridge finance from our expert brokers. Loans from 1 - 24 months arranged quickly.

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.