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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 consolidation loan available.

Using a debt consolidation loan can help you consolidate all your outstanding debts into one single, more convenient personal 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 £15,000 and £20,000 with Lending Expert Online

If you want to borrow £15K or £20K, Lending Expert offers a number of reputable lenders who can help you get access to the finance your need.

We proudly work with direct lenders in the UK and with personal, unsecured, secured and guarantor options available, you can find the right product for you.

All loans are typically repaid in equal monthly instalments, over 3 to 30 years, with the option to repay early.

Simply use the price comparison table above to find the best lender and terms for you – and click on ‘Check My Eligibility’ to get started.

Our entire service is completely online. There are no fees for applying and checking your eligibility will not impact your credit score.


What Can a £15,000 Loan or £20,000 Loan Be Used For?

Some of the most popular reasons for applying for a loan include:

  • Debt consolidation
  • Making home improvements
  • Purchasing a car or vehicle
  • Business or self-employment funding
  • Tax bills or emergencies
  • Paying for weddings
  • Paying for funerals
  • School fees
  • Holidays


Key Features

  • Borrow £15,000 to £20,000
  • Repaid long term over 3 to 30 years
  • Equal monthly repayments
  • Working with direct lenders
  • Repaid on your pay date
  • Secured, unsecured and guarantor
  • Bad credit considered


What is the Eligibility Criteria for £15,000 to £20,000 Loans?

  • Must be over 18 years of age
  • UK residents only
  • Able to afford repayments
  • Valid UK bank account
  • No recent CCJs, IVAs or bankruptcy


What Are The Types of £15,000 Loans Available?


Unsecured – This is where your loan is not secured by anything physical such as an asset or collateral – and instead your eligibility is based on factors such as your income and credit score. Unsecured loans are typically better for borrowing smaller amounts, which is why £15,000 or £20,000 is perfect, but you should ideally have a good credit score to access the lowest rates starting from 3.6% APR.


Secured – With a secured loan, you are using something valuable that you own as security, such as your car, bike or van or your property, such as your home. If your item is valuable, this can help you borrow large amounts and pay very low rates of interest (also from 3.34% APRC) – but beware that your property or vehicle could be at risk of repossession if you do not keep up with repayments on time. See also logbook loans.


Guarantor – With a guarantor loan, you are getting the help of someone you know to act as your ‘guarantor’ and they agree to cover repayments on your behalf if you cannot. This extra security gives you the ability to borrow £15,000 or £20,000, especially if you have bad credit or no credit history.


Personal – This is very similar to an unsecured loan and is just another name for it, although it is used for personal use, whether it is paying your bills or buying a new car.



Can I Get a Loan for £15,000 or £20,000 with Bad Credit?

Yes, you can apply for £15K or £20K with a bad credit history – since our lenders are willing to take a view on adverse credit histories and will consider your application on an individual basis.

Although you may have a poor credit score, our lenders will consider your loan application if there are other strong factors present such as a stable income, regular employment and a recent history of repaying other loans on time.

Lending Expert also has options that are designed for people with bad credit, including using security (secured loans) or a guarantor to help add extra strength to your application.

If you can demonstrate your willingness to repay your loan and have a stable income to do so, you can still be eligible for a loan with bad credit or even a CCJ. To get started you can simply check your eligibility and apply online at Lending Expert.


What is The Cheapest Way to Borrow £20,000?

If you are looking for cheap £20,000 loans with low rates, you are typically going to need to have a good or fair credit score and a stable income to access the lowest rates.

The cheapest rates are reserved for people who can demonstrate that they are going to repay their loan on time and they present a low risk to the lender. If you have bad credit or have missed payments for other loans in the past, this may result in being charged a higher rate.

If you prefer to use a secured loan, you will need to have a valuable asset such as a vehicle or property that you own and you can leverage its value to borrow the money you need. The more valuable your item, the lower the rates you are offered – however your property could be at risk of repossession if you do not keep up with repayments.


What is the Best Way to Borrow £20,000 Online?

If you are looking to borrow £20,000, start by using a comparison site like Lending Expert, since this will give you full overview of all the different loan products available on the market – whether it is a personal loan, secured loan or even a logbook loan.

Rather than going to each lender one-by-one, using a comparison site gives you the opportunity to compare terms such as rates charged and loan duration – helping to find the right one for you.

Once you have found the lender of your choice, you can apply directly through our website when you click on ‘Check Eligibility.’ You will be required to enter your basic details including how much you wish to borrow, how long for, your name, age, income and employment details.

You should be given an instant decision or provisional quote on the screen and if you are fully approved, you can receive funds on the same day or within a few working days.


How is Lending Expert Different?

Lending Expert is a completely free and impartial price comparison website. We work with over 100 UK lenders who we have reviewed and vetted personally to ensure that they uphold the highest standards of responsible lending.

When applying through Lending Expert, you can be rest assured that you will not be charged any upfront fees and your data will not be sent to any companies without your permission.

We offer a clear and transparent way to compare £15,000 loans – and we work with lenders who are actively looking to fund and will take all credit histories and backgrounds into consideration.


How to Apply for £15,000 and £20,000 Loans with Lending Expert

The entire loan application process is 100% online and you can apply 24 hours a day, 7 days a week using your phone, desktop or tablet.

Simply use our free comparison table to compare lenders and find the right loan for you and click on ‘Check My Eligibility’ to be taken directly to their website. After submitting a few basic details, you will be given an indicative quote and the lender will get in touch to confirm some final details.

Unsecured and personal loans are usually processed very quickly, but secured loans may require proof of ownership for your vehicle or property and may take just a little longer. However, our lenders are always look to fund your loan as quickly as possible and you should be able to receive the money transferred to your bank account within a matter of days.

Applying with Lending Expert will not impact your credit score and you will not be charged any fees. Our site is free to use and always will be – and please feel free to contact us directly if you have any questions.

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

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