100% Recommend

Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated July 3, 2021

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.

13 providers expertly compared:

Learn More Available via broker only

Paragon Bank

Loan Amount
£20,000 - £500,000

Initial Rate
3.6%

Loan Term
5 - 25 years

Loan Type
Residential
& Buy to let

Status
Homeowners Only
Max LTV 85%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

3.6%

Total repaid will be:

£50,805

Second charge mortgages for homeowners in England, Wales and Mainland Scotland. We work hard to make sure we have a wide range of loans to meet our customers' needs. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Masthaven Bank

Loan Amount
£10,000 - £500,000

Initial Rate
4.19%

Loan Term
5 - 35 years

Loan Type
Residential
& Buy to let

Status
Homeowners Only
Max LTV 75%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

4.19%

Total repaid will be:

£50,805

We were the first new bank to be awarded a banking licence in 2016. However, we’ve been providing a flexible and personalised approach to secured lending since 2004. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

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United Trust Bank

Loan Amount
£10,000 - £125,000

Initial Rate
4.45%

Loan Term
3 - 30 years

Loan Type
Residential
& Buy to let

Status
Homeowners Only
Max LTV 85%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

4.45%

Total repaid will be:

£50,805

United Trust Bank’s highly skilled and experienced specialised mortgage team offers innovative lending products through a panel of approved introducers. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Shawbrook Bank

Loan Amount
£10,000 - £500,000

Initial Rate
4.2%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 90%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

4.2%

Total repaid will be:

£50,805

If you’re paying out for a number of different loans or credit cards, a debt consolidation loan from Shawbrook Bank could save you money every month in interest. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Prestige Finance

Loan Amount
£10,000 - £2,500,000

Initial Rate
5.9 - 11.1%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 90%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

5.9 - 11.1%

Total repaid will be:

£50,805

Prestige Finance has been providing loans for over 30 years to UK residents and is a specialist in providing second charge loans. Prestige Finance is a wholly owned subsidiary of OneSavings Bank Plc. Get a quote today for a personal illustration from our award winning broker.

Representative Example

13 providers expertly compared:

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Step One Finance

Loan Amount
£5,000 - £500,000

Initial Rate
6.9%

Loan Term
5 - 30 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 95%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

6.9%

Total repaid will be:

£50,805

Our homeowner loan products are available to qualifying homeowners and owners of Buy-to-Let properties in England, Scotland and Wales with loan amounts available up to £150,000. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Together Money

Loan Amount
£3,000 - £1,000,000

Initial Rate
6.65%

Loan Term
3 - 30 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 77.5%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

6.65%

Total repaid will be:

£50,805

If you need to raise funds, for example, to make home improvements or get on top of your debts, and you have existing equity in your home, a secured loan could be the right option. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Central Trust

Loan Amount
£3,000 - £250,000

Initial Rate
8.5%

Loan Term
3 - 30 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 75%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

8.5%

Total repaid will be:

£50,805

We’re an independently owned specialist secured loan lender in the UK and are part of the Norfolk Capital Group of companies that have been providing secured loans since 1988. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Spring Finance

Loan Amount
£10,000 - £150,000

Initial Rate
Enquire%

Loan Term
3 - 35 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 60%

Rated 4/ 5

Poor Credit

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

Enquire%

Total repaid will be:

£50,805

We are a specialist provider of residential Second Charge mortgages lending to customers who are unable to obtain finance from traditional high street lenders. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Optimum Credit

Loan Amount
£5,000 - £500,000

Initial Rate
4%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 85%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

4%

Total repaid will be:

£50,805

We offer a straightforward, customer friendly approach, both during your application process and after completion of your second charge mortgage. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Oplo

Loan Amount
£5,000 - £50,000

Initial Rate
8.0%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 70%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

8.0%

Total repaid will be:

£50,805

Here at Oplo we offer secured loans from £1,500 to £50,000 (subject to your personal circumstances) to new and existing customers. Get a quote today for a personal illustration from our award winning broker.

Representative Example

13 providers expertly compared:

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West One Secured Loans

Loan Amount
£10,000 - £500,000

Initial Rate
3.99%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 85%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

3.99%

Total repaid will be:

£50,805

West One offers an extensive range of second charge mortgage solutions that can be secured on buy-to-let properties, including unregulated buy-to-lets as well as regulated consumer buy-to-lets. Get a quote today for a personal illustration from our award winning broker.

Check My Eligibility
Application Criteria?

Application criteria for this product is:

  • Homeowners Only:

13 providers expertly compared:

Learn More Available via broker only

Norton Finance

Loan Amount
£3,000 - £70,000

Initial Rate
9.1 - 12.3%

Loan Term
1 - 20 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 75%

Rated 5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

9.1 - 12.3%

Total repaid will be:

£50,805

Borrow from £3,000 to £500,000 over 1 to 25 years. We’ll find the most affordable rates to suit you and give you a no-obligation quote that won’t show up on your credit report. Get a quote today for a personal illustration from our award winning broker.

Representative Example

Read our customer and visitor reviews for this product:

Rating: 4.6 / 5 with 31 votes

Good for secured loans

by Abdul R

Good service for secured loans with a full brokerage service. Good panel of lenders to suit most customers.

Found the right mortgage I was looking for

by Mrs Dale

Had a very positive experience using the mortgage pages. Thankyou.

 

Apply for Loans of £10,000 and £25,000 with Lending Expert Today!

If you want to borrow £10K or £25K, Lending Expert is here to provide you with a list of simple, affordable and effective options.

We work with some of the UK’s best loan providers, so that you can have a full market comparison of rates and terms and find the right option for you, with the choice to spread repayment over 1 to 35 years.

Lending Expert is proud to offer a range of options, for tenants and homeowners, good and bad credit and borrowing options across unsecured, secured and guarantor too. Our service is completely free to use and always will be – and applying will not impact your credit score in any way.

 

What is the Best Way to Borrow £10,000 Online?

We are proud to offer a fully online process to borrow £10,000 or £25,000. Use our comparison table provided to compare loan amounts, rates and terms and once you are ready simply click on ‘Check My Eligibility’ – where you can apply and get a provisional decision in minutes, free of charge!

Your loan application will be subject to further checks and we may require a little more information if you are applying for a secured product.

But with a same day decision, your loan can often be approved and funded within a matter of days.

 

Key Features 

 

  • Borrow £10K to £25K
  • Repay over 1 to 35 years
  • Secured and unsecured options available
  • Tenant and homeowner options available
  • Good, fair and bad credit considered
  • Free to apply
  • Same day decision
  • Funds available in a matter of days

 

What Types of £10,000 and £25,000 Loans Are Available?

 

Personal Loans – This is a loan used for any personal reasons or everyday purposes including paying bills, consolidating debts, school fees, weddings, emergencies and house repairs. This type of loan is unsecured and often available to those with fair or good credit scores.

 

Unsecured Loans – When a loan is unsecured, your eligibility is based on factors such as your income, employment and credit status – and you are not using any form of security or collateral to be eligible. This is typically available to those with good incomes and credit scores, but the rates can be very low and competitive.

 

Secured Loans – This is where your loan is secured against something valuable you own, such as a vehicle or property (either owning it outright or partly). This can be useful for borrowing very large sums, since it is a percentage of your car or home and is ideal for home improvements, debt consolidation and other large expenses.

 

Logbook Loans – If you own a car, bike or van, you can use this as collateral to borrow money from a logbook lender. Usually receiving around 50% or more of the vehicle’s value, this can help you borrow £10,000 or £25,000 if you need it.

 

Equity Release – If you own a property and are over 55, you could be eligible for equity release. This is where you release equity that is stored in your property or home. You can receive a large cash lump sum, tax-free for every day spending or gifting to your children. Plus, you can remain in the property until you die or go into long-term care.

 

What is the Criteria for a £10,000 Loan?

 

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

 

How Can I Borrow £10,000 with Low Rates?

£10,000 loans with low rates are usually available to individuals with very good credit scores and stable incomes – and you could receive rates as low as 2.9% APR, both unsecured and secured.

If you are looking at a secured loan option, having a valuable property and also a good credit score, employment and low debt should help you get a low rate.

Our lenders will run a series of checks to confirm your eligibility for a loan and the rates you should be charged. Affordability is very important, since someone with lots of mounting debt will probably be charged a slightly higher rate to mitigate the potential risks.

 

What Can a £10,000 Loan Be Used For?

 

  • Business or self-employment funding
  • Car purchases
  • Care for the elderly
  • Debt consolidation
  • Emergency expenses
  • Funerals costs and expenses
  • Gifting to loved ones
  • Helping children to get on the ladder
  • Holidays
  • Home improvements
  • Large purchases
  • Legal fees
  • School fees
  • Tax bills
  • Weddings

 

Can I Borrow £10,000 with a Bad Credit History?

Yes, there are plenty of options available if you are looking to borrow £10,000 or £25,000 with bad credit, CCJs, IVAs, defaults or arrears.

It may be a little tricky to get approval for an unsecured or personal loan with a poor credit score. But this is where a secured loan might be a good fit. If you have a valuable property or vehicle that you own, in part or full, you can use this as collateral to borrow money. 

However, it is noted that your collateral is at risk and if you are unable to keep up with repayments, your property might be repossessed or the lender will claim a stake in it.

 

Why Should I Use Lending Expert to Borrow £10,000 or £25,000

Lending Expert has been trading since 2013 and has partnered with some of the most well-known lenders across the country. Our passion is helping to find the right product for the right customer, taking their loan requirements and financial history into consideration.

Our complete price comparison table allows you to get a true overview of the market and compare the best options that are available to borrow £10,000 to £25,000. With no obligation and no fees for applying, you can select the best lender according to your personal requirements.

We only work with direct lenders, so you have peace of mind that your data and information is safe and you will be dealing directly with the lender of your choice and no other third parties.

 

How to Apply for a £10,000 or £25,000 Loan Today

Simply compare the different lenders using our table and click on ‘Check My Eligibility’ with the lender of your choice. 

You will be taken directly to our online application form which can be completed in less than 5 minutes.

We can provide you with an instant decision on the screen and subject to further checks, your loan can be successfully funded within 24 to 48 hours (unsecured, personal) or within 2 to 4 weeks (secured loans). 

Lending Expert is here to help you for all financial needs. If you have any further questions, please do not hesitate to contact us.

 

Related Links

Loan Calculator

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

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

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Borrow what you need and compare rates online.

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

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

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

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

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

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

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

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

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Apply online and get your eligibility with Lending Expert.

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

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

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