100% Recommend

David Beard

Expertly compared by David Beard

Products Updated July 2, 2021

The actual rate you're offered will depend on your personal circumstances – including your credit rating.

15 providers expertly compared:

Natwest Bank

Loan Amount
£7,500 - £19,950

Annual Percentage Rate (APR)
3.9%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.8/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.9%

Total repaid will be:

£50,805

With the Natwest if you're thinking about buying a new car, getting your your finances in order or making some new home improvements then a loan from the Natwest could be just what you need.

Representative Example

15 providers expertly compared:

Royal Bank of Scotland

Loan Amount
£1,000 - £50,000

Annual Percentage Rate (APR)
3.9%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.9%

Total repaid will be:

£50,805

To apply, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months). Borrowing money is a big decision. But with a personal loan from the RBS, it doesn't have to be a headache.

Representative Example

15 providers expertly compared:

Hastings Direct

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
3.8%

Loan Term
0 - 5 years

Loan Type
Unsecured Personal Loan

Status

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.8%

Total repaid will be:

£50,805

If you're looking to replace your car, planning on some new home improvements, or you simply wish to get your finances in order, a personal loan from Hastings Direct could be the funding solution you're looking for.

Representative Example

15 providers expertly compared:

Post Office

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
3.1%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.1%

Total repaid will be:

£50,805

Loans from the Post Office are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. Terms from 1 year to 7 years, depending on the amount borrowed and funds could be transferred the following day with an instant lending decision in most cases.

Representative Example

15 providers expertly compared:

AA Loans

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
3.1%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.4/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.1%

Total repaid will be:

£50,805

The AA don't just keep cars on the road, they can help keep your finances running smoothly too. Whether it's a new purchase, a holiday in the sun or getting some help to manage your existing debt the AA is here to help with a personal loan.

Representative Example

15 providers expertly compared:

Leap

Loan Amount
£100 - £15,000

Annual Percentage Rate (APR)
4%

Loan Term
1 - 6 years

Loan Type
Peer-to-Peer Loan

Status
Homeowners & Tenants

Rated 4.8/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

4%

Total repaid will be:

£50,805

Leap's aim is to help streamline your debts with a low-interest peer-to-peer loan, so you’ll have more money to do more of what you love doing.

15 providers expertly compared:

Lending Works

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
7.9%

Loan Term
1 - 5 years

Loan Type
Peer-to-Peer Loans

Status
Homeowners & Tenants

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

7.9%

Total repaid will be:

£50,805

Lending Works is a peer to peer lender that connects people that want to invest their money with borrowers who want to get a better rate on their personal loan. Loans available from £1,000 to £25,000 over 1 -5 years.

15 providers expertly compared:

Zopa

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
9.9%

Loan Term
1 - 7 years

Loan Type
Peer to Peer Lender

Status
Homeowners & Tenants

Rated 5.0/ 5

Good Credit

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

9.9%

Total repaid will be:

£50,805

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.

Representative Example

15 providers expertly compared:

My Community Finance

Loan Amount
£1,500 - £25,000

Annual Percentage Rate (APR)
23.9%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

23.9%

Total repaid will be:

£50,805

My Community Finance have taken inspiration from the past to build a better financial future - where community matters. They’re a network of Credit Unions and ethical lenders. My Community Finance looks to give everyone access to fairly priced financial products.

Representative Example

15 providers expertly compared:

Lendable

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
27.9%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.3/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

27.9%

Total repaid will be:

£50,805

Lenable offer fast loans at fair rates. See your rate before you apply - it won’t affect your credit score. Lendable offer a paperless application with instant quotes. You can manage your loan online, top up, repay early without a settlement fee.

Representative Example

15 providers expertly compared:

Oplo

Loan Amount
£2,000 - £15,000

Annual Percentage Rate (APR)
18.2%

Loan Term
2 - 6 years

Loan Type
Poor Credit Lender

Status
Homeowners & Tenants

Rated 4.4/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

18.2%

Total repaid will be:

£50,805

Oplo Personal Loans offer unsecured personal loans from £2,000 to £15,000. Whether you’re looking to buy a new car, a new kitchen or thinking of any type of major purchase they can help secure the funding you need.

Representative Example

15 providers expertly compared:

Koyo

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£1,000 - £7,500

Annual Percentage Rate (APR)
27%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.4/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

27%

Total repaid will be:

£50,805

Koyo offers one-day loan approval and they normally give a decision after 1 full working day. Once approved, Koyo says the money could be in your account within 1 working day.

Representative Example

15 providers expertly compared:

Everyday Loans

Loan Amount
£1,000 - £15,000

Annual Percentage Rate (APR)
93.6%

Loan Term
2 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.3/ 5

Poor Credit

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

93.6%

Total repaid will be:

£50,805

With everyday loans, you're more than just your credit score. Here at everyday we look at your credit future, not just your credit history. As such even if you have bad credit now or you've had a poor credit score in the past, we may be able to help.

Representative Example

15 providers expertly compared:

Uk Credit

Loan Amount
£3,000 - £15,000

Annual Percentage Rate (APR)
29.9%

Loan Term
3 - 5 years

Loan Type
Guarantor Loan

Status
Homeowners & Tenants

Rated 4.8/ 5

Poor Credit

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

29.9%

Total repaid will be:

£50,805

Trusted, simple guarantor loans from £3,000 to £15,000 between 24.9% & 39.9% APR. With the help of a friend or relative to guarantee your loan UK Credit could get you the cash you need.

Representative Example

15 providers expertly compared:

Buddy Loans

Loan Amount
£999 - £10,000

Annual Percentage Rate (APR)
49.9%

Loan Term
1 - 5 years

Loan Type
Guarantor Loan

Status

Rated 4.2/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

49.9%

Total repaid will be:

£50,805

At Buddy Loans their goal is to pay out your money on the same day of the application and they will still consider your application if you can afford it, even if you have CCJs or DEFAULTS. Buddy Loans can be used for any purpose such as debt consolidation, car purchase or home improvements.

Representative Example

Read our customer and visitor reviews for this product:

Rating: 4.5 / 5 with 2 votes

Good comparison

by Mandy Thomson

Good comparison service and lenders to choose from. Easy application form.

Plently of loans to choose from

by SL

These facility by Feasible.co.uk provided many solutions and gave me choice of several lenders as part of the search. Vey fast and no issues using them. Quick to phone me back also.

Borrow £2,000 To Pay Any Pressing Bills and Expenses 

If you are looking to borrow £2,000 or £3,000 online, Lending Expert can help you find the most competitive rate and find the right loan for you. Acting as a whole of market broker, we work with over 50 UK lenders who can offer the best £2,000 loans, with all credit histories considered.

A £2,000 or £3,000 pound loan is perfect to pay off any urgent expenses or pressing bills on the kitchen table. You are able to receive money upfront and then pay off your loan over several months or years to give you much needed breathing space.

Using our free price comparison table, you can select the lender based on your requirements and simply click on ‘Check My Eligibility’ – where you can enter your details in less than 5 minutes and get a provisional quote online.  

Subject to further checks, your loan could be successfully funded into your bank account on the same day or within 24 hours.

 

Key Features from Lending Expert 

 

  • Borrow up to £2,000
  • Repay over 1 to 7 years
  • Rates from 3.8% APR
  • Repay in monthly instalments
  • No upfront fees
  • No early repayment fees
  • No impact to credit score

 

What Types of Loans Can You Use to Borrow £2,000? 

 

 

Lending Expert offers a range of options if you are looking to compare £2,000 loans – including secured, unsecured and guarantor loans

Personal and unsecured loans are popular for people with good credit scores – and this means that your eligibility is based on your income and credit history and no collateral is required. 

Secured loans may be better suited for those with adverse credit histories – and you can use the value of your property or vehicle in order to borrow money. You may use this in order to make home improvements or to consolidate your debts into one more simple and affordable loan.

With guarantor loans, you can ask a person you know to act as your guarantor and agree to cover your repayments if you cannot – and this is common for people with weaker credit scores or limited credit history.

 

What Can Your Loan Be Used For?

Our lenders can issue loans for any legal purpose with the most popular options being:

 

  • Debt consolidation purposes
  • Making home improvements
  • Purchasing a car or new vehicle
  • Business or self-employment funding
  • Large expenses or purchases and unexpected costs such as tax bills or emergencies.

 

What is The Criteria For a £2,000 loan?

Whilst the criteria to borrow £2,000 will vary from lender-to-lender, the general eligibility is:

 

  • Over 18 years of age
  • UK resident
  • Employed and able to afford monthly repayment
  • No recent defaults or arrears
  • Valid UK mobile, email address and bank account

 

If you are looking to borrow £2,000 with bad credit, you may still be eligible for a regular personal loan. However, if you have very poor credit, you may need added security by using a valuable asset (such as a car or home) or adding a guarantor to your application.

 

How Can I Borrow £2,000 Pound with Low Interest Rates?

If you are looking for £2,000 loans with low rates, these will usually be available to those individuals with stable incomes and good credit histories. Typically for unsecured loans, if you have demonstrated a good record of paying back other similar loan products or credit cards, the lender will consider you low risk – and this will give you access to rates from 3.8% APR.

Other factors may include being a homeowner and you have a low-debt-to-income ratio, implying that you are not juggling a lot of other outstanding debts. 

In addition, if you are using a secured loan, this could be very low cost if you have a valuable asset such as property and have good equity in it. If you think about your mortgage, the rates are usually very low, however, your property is at risk of repossession if you do not keep up with repayments.

 

 

What Are The Repayments on a £2,000 Loan? 

Loans for £2,000 are usually repaid in equal monthly instalments, so you know exactly how much you are repaying each month and this can be automatically collected via your debit or bank account.

You will have the choice to select a date each month when your repayments will be made – and most people choose the day they get paid from work, so there is likely to be money in their account. However, you can choose the last Friday of the month, the 15th or 25th – whenever is best for you.

If you find that you are in a position to repay your loan early, you may do so, at any point. You simply need to contact your lender directly and could save a lot of money since less interest is accruing over time

 

Can I Get a £2,000 Pound Loan with Bad Credit?

Yes, you can apply for a bad credit loan – since the lenders we work with are willing to take a view on adverse credit histories and will consider your application on its own merit. We can check your eligibility for a £2K loan against our adverse credit lenders and you can apply online.

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

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.

 

How to Apply for £2,000 or £3,000 Loan with Lending Expert 

Our online loan application can be completed 24 hours a day, 7 days a week via desktop, mobile or tablet. Our system will be able to match your loan requirements and credit status with the lender mostly likely to accept your loan, and on the best terms possible. 

Our smart eligibility checker is able to provide an instant quote on the screen upon completing the application and then you can choose to proceed with the recommended lender.

We require a few basic details online including your name, age, address, monthly income and expenses – and we will match you with the right lender according to your requirements.

You have peace of mind that when you apply that there are no upfront fees and your information will not be passed onto any other third parties without your permission.

 

FAQ

Yes, Lending Expert works with over 50 direct lenders - so when clicking on 'check my eligibility' you will be taken directly to the lender's website where you can apply and receive funds if your application is successful.

Yes, we have a number of non guarantor options available including business loans, secured and unsecured loans - so you will not need to apply with a guarantor.

No, you will typically need to be employed and earning a stable and regular income to be eligible for a loan.

Yes, you can apply for a £2,000 or £3,000 loan if you are self-employed and you are treated like any other type of worker or employee. In some cases, you may just need to show the lender some proof of income.

No, most of the lenders on the panel for Lending Expert will run credit checks as part of their application process. If you are concerned about your eligibility due to your credit profile, you could consider a secured loan or guarantor loan to get you extra security.

No, you will typically need to be employed and earning a stable income to be eligible. However, some lenders will consider those on benefits, but you may need added security or a guarantor.

Yes. There may be some restrictions depending on your age. However many lenders will consider applicants up to the age of 70 or 75 depending on the length of the loan term you require.

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

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