Compare from our experts top choice loans and lenders from across the market. Get the best deals at the cheapest rates.
Secured | Homeowner Loan
£3,000 - £2.5 Million
3 - 30 Years
Award winning broker of the year Smart Money have made it to the top of our list as our No 1 recommended provider for homeowner loans. Smart Money are not available direct to the public and so we are very excited to be able to offer them here via Lending Expert.
They search through 17 lenders in the market place to find the cheapest loans to suit your circumstances. They can help with debt consolidation, home improvements and buy-to-let applications.
Unsecured Peer to Peer Loan
£1,000 - £10,000
Representative 2.9% APR
1 - 7 Years
Zopa directly match people looking for a personal loan with people looking to invest. It's their way of making money simple and fair. Since 2005 Zopa have approved a staggering £2.92 billion in loans.
A loan of £10,000 over 5 years will cost you £179.25 per month at a representative 2.9% APR. The total cost after 5 years is £10,754, which includes £754.87 interest at 2.9% fixed and a £0 fee. The total amount of credit is £10,000.
£1,000 - £10,000
Representative 3.4% APR
1 - 8 Years
Our lowest ever rate just got lower for loans between £7,500 and £19,950 Representative 3.4% APR
Car Finance Broker
£1,000 - £75,000
1 - 5 Years
We make the whole process hassle-free & provide the customers with a helping hand throughout. Our aim is to get the best possible finance deal for our customers, whilst providing an efficient service of the highest quality.
We pride ourselves on the fact that we can help customers in varying financial circumstances, including those that have been refused elsewhere for bad credit, CCJs, defaults and arrears. We're confident that we can find the right car loan for them.
Guarantor Loan | Bad Credit
£1,000 - £7,500
3 - 5 Years
Please be aware that this is a loan where you will need to have a guarantor in place.
£4000 over 4 years, representative 39.9% APR fixed. Monthly payment £153.60.
Annual interest rate 34.05% fixed. Interest payable £3372.80. Total repayable £7372.80.
*Rates from 37.9% APR (fixed) to 59.9% APR (fixed) - rate offered is based upon personal circumstances.
Are any loans available that dont require a credit check?
No. With the exception of some logbook lenders, most lenders will require a formal credit check in order to establish your creditworthiness. A lender will need to check into your past credit to check for any issues such as records of missed payments, outstanding or unpaid debts, CCJ's or even a past history of bankruptcy.
I work casual part time hours, can I still get a loan?
Yes. A lender will look at the loan affordability and check that your current income from your casual work is adequate enough to meet the loan repayments. You will also need to show proof of income from your current employer such as your most recent payslips.
Can I get a loan while being self employed?
Yes. Most lenders consider self employed applicants as long as you can show adequate proof of income from either your sole trader business or income and dividends if a company director.
I'm a pensioner and receive some benefits, can I still get a loan?
Yes. There may be some restrictions depending on your age. However many lenders will consider applicants up to the age of 70, 75 depending on the lengh of the loan term you require.
How much can I borrow?
Generally, most unsecured lenders who offer loans up to £25,000. If you wish to take out a larger loan then you may need a secured loan otherwise known as homeowner loans. To take out a secured loan then you will need the help of a broker.