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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 larger loan for debt consolidation 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 of £80,000 – £90,000  With Lending Expert

Lending Expert can help you borrow £80,000 – £90,000 from our panel of reputable lenders. We work with some of the UK’s top loan providers, with the option to spread repayment over 1 to 30 years, with rates starting from as little as 2.8% APR.

We proudly compare the entire UK market of financial products and can help find the right option for you across personal, unsecured or secured loans today.


How to Borrow £80,000 – £90,000 Online

If you’re looking to borrow £80,000 – £90,000, start by browsing through our price comparison table of lenders above and click on “Check My Eligibility” to start your application and get a quote in less than 5 minutes.


What Are The Types of £80,000 Loans Available?


Unsecured Loans – This is where the loan is not secured against any assets or collateral and your approval is based on factors such as your income, employment, credit status and affordability. Ideally, to be eligible for an £90,000 unsecured loan, you should have a very stable income, good credit score and not too much ongoing debt.


Secured Loans – This is where your loan is secured against a valuable asset, such as your car, property or home. The more valuable your property or item, the more you can typically borrow. This can be an effective way to borrow large sums, but note that your property can be repossessed by the lender if you struggle to keep up with repayments.


Second Charge Loans – This refers to getting a second mortgage on your home, and it becomes the ‘second charge’ that is taken out of your bank account, with your main mortgage being your first charge. This can be popular for obtaining money to pay for school fees, do home improvements or consolidate your debts. Again, this will be secured against your home and you could be at risk of home repossession if you do not keep up with repayments.


Equity Release – This is where you are able to release money from your home, in one large lump sum which is tax-free. This money can be used to fund your ongoing lifestyle or help your children get on the property the ladder.

You must typically be over 55 years old to be eligible for an equity release scheme which allows you to continue living in the house until you die or go into long-term care, which is when the lender claims a percentage of the property that they lent out to you.

There is a monthly interest rate of around 3% and you have several options to choose from that can put money aside for inheritance or ensure that you still have ownership of the property if it goes up in price.


What Can an £80,000 Loan Be Used For?

  • Debt consolidation
  • Elderly care
  • Funerals costs
  • Gifting to loved ones
  • Making home improvements
  • Purchasing a new car or vehicle
  • Business or self-employment funding
  • Large expenses, purchases and unexpected costs
  • Legal fees
  • School fees
  • Tax bills
  • Weddings


Why Use Lending Expert to Borrow Loans of £80,000 – £90,000? 

Lending Expert can help you to explore a variety of different loans, ranging from £80,000 – £90,000.

We offer a free, simple and effective way to find affordable loans. We do not charge any fees and there is no impact to your credit. Plus, we ensure that every lender is fully vetted and reviewed to ensure that they are responsible and treat customers fairly.

Once this form has been completed in less than 5 minutes, our broker team can provide you with a no-obligation quote and present the best options available for your borrowing needs based on your requirements.


What is the Eligibility Criteria?

The eligibility criteria for a £80,000 – £90,000 loan can include the following: 


  • Must be able to show that they can afford repayments
  • Must be over 18 
  • Must be employed with a stable, regular income
  • Must have a valid UK bank account 
  • Must have valid contact details, including an email address and a telephone number
  • Must be a UK resident 
  • Must own a property (in full or in part) for a secured loan


While having a good credit history can definitely help to boost your chances of acceptance, we do accept customers looking for bad credit loans. You just may require additional security or collateral to be eligible.


Should I Use a Secured Loan to Borrow £80,000 – £90,000 Loans? 

Secured loans can be a great way to borrow £80,000 – £90,000, using a valuable asset to get the loan you need. This asset can be a number of things, depending on the lender’s requirements, but is often someone’s property. 

Secured loans offers security to the lender, even if the borrower cannot keep up with payments. Therefore, for anyone considering a secured loan, it’s essential that you understand your valuable asset can be taken away if you fail to keep up with repayments.


Can I Get a £80,000 or £90,000 Loan with Bad Credit?

Yes, Lending Expert’s panel of lenders are willing to offer loans for bad credit histories, including poor credit, CCJs, IVAs and recent defaults.

To offer a viable solution, you may find that the loan amount requested could be adjusted or the interest rate is a little higher to mitigate the risk.

In some cases, lenders are a lot more flexible if you have security, since having a valuable asset like a home is a good asset if you need to borrow money.

In addition, you should have a stable income and employment and a willingness to pay on time and this can help your case for a £80,000 or £90,000 loan.


What Happens if I Cannot Repay My Loan for £80,000 on Time?

If your loan is unsecured, such as a personal loan, any missed repayments will likely incur a late penalty, added interest and negatively impact your credit score.

With a secured loan, you will also be charged penalties and if you really struggle to repay and have no other options, the lender could repossess your property in part or in whole to recover the money they have lent to you.


How to Apply to Borrow £80,000 – £90,000 With Lending Expert Today

Applying to Borrow £80,000 – £90,000 through Lending Expert is easy, simply explore the loan options we have available above and click on their “Check My Eligibility.”

You will need to simply fill in our online form and you can receive a no-obligation quote, with no fees or impact to your credit score.

With loan decisions immediate, your loan can processed as quickly as possible and some loans can be funded in just a few days (unsecured loans) and some may take 1 to 6 weeks (secured loans).

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.

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