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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.

Find The Best Loans for £30,000 to £45,000 With Lending Expert

Need to borrow £30,000 to £45,000? Lending Expert can help you find the loans best suited to your needs and personal requirements. Compare the top UK lenders with borrowing terms ranging from 1 to 30 years. 

We compare rates across the whole market for financial products including personal loans, unsecured loans and secured loans – helping you to find the best option for your circumstances and credit background.

Use our table to compare different rates and terms and click on ‘check my eligibility’ of the lender of your choice. The average loan application takes less than 5 minutes to complete and you will usually be given a provisional decision on the screen. Subject to some further checks, some loans can be approved and funded in a matter of hours or days (unsecured loans), with some loans usually completed within 1 to 2 weeks (secured loans).

Key Features

  • Borrow £30,000 to £40,000
  • Secured and unsecured lending options
  • Repaid long term over 1 to 30 months
  • Equal monthly repayments
  • Working with direct lenders 
  • Repaid on your pay date
  • Early repayment available


What Can a £30,000 Loan Be Used For?

Our lenders can offers loans for any purpose including:

  • Debt consolidation
  • Funerals
  • Gifting to loved ones
  • Making home improvements
  • Purchasing a new car or vehicle
  • Business or self-employment funding
  • Large expenses, purchases and unexpected costs
  • School fees
  • Tax bills
  • Weddings (also see Wedding Loans)


What Types of Loans for £30,000 and £45,000 Are Available?

£30,000 loans are broken down into either unsecured loans, where you do not require collateral or security, or secured loans where you do.

When unsecured, you are applying based on your income and credit score – so these will both need to be good or fair to maximise your chances of approval.

Secured loans are a little different. You are using your property or home as security and leveraging its value to borrow money. The more you own of the property, the more you can typically borrow. This can be an effective way to borrow large sums of money – and can also appeal to those with bad credit histories.

If you are borrowing against your home, it is important to note that this could be repossessed by the lender if you are unable to keep up with repayments.


Am I Eligible to Borrow £30,000 to £45,000 With Lending Expert?

The eligibility criteria to borrow £30,000 to £45,000 with one of our lenders can include:

  • UK residents only
  • Must be over 18 years old
  • Must hold a valid UK bank account
  • Must be able to show that they can afford repayments
  • Must be in employment with a stable, regular income


For loans of £30,000 to £45,000, some of our lenders also require applicants to be homeowners. The exact eligibility criteria for a £30,000 to £45,000 loan will however, as with all loans, depend on the lender and the loan type.

Once you’ve found a loan you’re interested in from our table of lenders listed above, simply click the “Check My Eligibility” button, fill in our online form and receive a no-obligation quote.   


How Do Repayments Work For a £30,000 to £45,000 Loan?

For those looking to borrow £30,000 to £45,000 with one of our lenders, you will typically make repayments in equal monthly instalments.

Borrowers can choose their repayment date each month – with most people tending to opt for their pay date or the last working day of the month.

You can borrow over a period of 1 to 30 years – with the precise length of the loan depending on the individual loan application.

It’s important to note that should you have secured a valuable asset on the loan, and cannot keep up with repayments, this valuable asset – e.g. your property – may be repossessed by the lender to recover their costs. You should only ever take out a loan when you are confident that you can keep up with repayments, as failure to do so (in particular, with a secured loan) can lead to you losing your home. 


Can I Borrow £30,000 to £45,000 With Bad Credit?

Yes, you can be considered for a loan with bad credit. We work with lenders that are willing to consider all sorts of credit histories, relying on other factors of your application to determine whether you are eligible for a loan.

Therefore, for those with a poor credit history, you may still be eligible to borrow a £30,000 to £45,000 loan with one of our lenders – proving you’re a good applicant to lend to through your regular employment, your stable income, or potentially being able to secure the loan with a valuable asset.


Apply to Borrow £30,000 to £45,000 With Lending Expert

You can start your journey to borrow £30,000 to £45,000 with Lending Expert today. 

Simply use our price comparison table above to select the lender of your choice. Click the “Check My Eligibility” button and you will be taken to our application form where you can enter your details in less than 5 minutes.

Our broker team will process your application and suggest the loan product that is most suitable to you and your requirements.

When filling in our online form, you’ll be required to provide the following information:

  • The amount you wish to borrow (£30,000 to £45,000)
  • The length of time you wish to borrow it for
  • Whether you are a homeowner or not
  • Your full name
  • Your contact details (e.g. email address and phone number)


All applications are completely free of charge to complete and will not impact your credit rating.

We aim to process and complete your £30,000 loan as soon as possible – with some lenders providing funds in one lump sum to your bank account within a few hours, days or weeks of applying.

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

Loan Calculator

Use our loan calculator to get an estimate of the costs, repayments and interest charges.

£1,000 - £5,000 loans

Unsecured loans to suit most applicants. Compare rates and apply online from direct lenders.

£2,000 - £3,000 loans

Unsecured loans for any purpose. Compare rates and get a quote online.

£4,000 - £6,000 loans

Borrow what you need and compare rates online.

£7,000 - £8,000 loans

Rates for all credit types, pensioners and the self employed.

£9,000 - £12,000 loans

We can quickly check your eligibility and get a loan decision online within a few minutes.

£10,000 - £25,000 loans

An unsecured loan for any purpose. Rates to suit most applicant types. Apply online with Lending Expert.

£11,000 loans

Compare loans and apply over 1 - 5 years from approved lenders with Lending Expert

£13000 - £16,000 loans

Apply with Lending Expert & borrow what you need from UK lenders. Compare rates and loans side-by-side.

£14000 - £18,000 loans

Loans for most applicants. Solutions for buying a car, debt consolidation or home improvements.

£15,000 - £20,000 loans

Get a quick online loan decision from our approved unsecured lenders. Apply online with Lending Expert.

£17,000 loans

Apply & Lending Expert can get you a pre-approved for the loan you need quickly.

£19,000 loans

Compare loan rates from 2.9%. Apply online and get a quick decision with Lending Expert.

£21,000 - £22,000 loans

Apply & borrow over £20K with personal loan rates at 2.9% APR with Lending Expert.

£23,000 - £24,000 loans

Find out which loans and rates are available to you with Lending Expert.

£30,000 - £40,000 loans

Apply online and get your eligibility with Lending Expert.

£60000 - £70,000 loans

Apply for a wide range of uses. Calculate the costs and repayment interest charges.

£80,000 - £90,000 loans

Apply online with Lending Expert for larger loans secured against residential property and buy to let properties. Get expert advice from our brokers.

£50,000 - £100,000 loans

Apply with Lending Expert to borrow £50K - £100K over 3 - 30 years. Rates to suit most applicant types. Check your eligibility online.