Loans For Pensioners & Retired

If you are over the age of 65 or have retired and need a loan then we’ve selected our top choice broker to help. They can help find you a cheap loan. Loans are available for both homeowners and tenants.

All Credit Types
Rated 5 / 5

Smart Money Why?

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


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

Loan Type
Secured & Homeowner Loans

Loan Amount
£3,000 - £2.5 Million


Loan Term
3 - 30 Years

Award winning broker of the year Smart Money have made it to the top of our list as our No 1 recommended provider for homeowner loans. Smart Money are not available direct to the public and so we are very excited to be able to offer them here via Lending Expert.

They search through 17 lenders in the market place to find the cheapest loans to suit your circumstances. They can help with debt consolidation, home improvements and buy-to-let applications.

Read our review



Can I get a loan if I am over the age of 65?

Yes. There are a range of lenders who are willing to provide both secured and unsecured loans to applicants over the ages of 60, 65, 70 and 75-80. As an older borrower there will be limitations on the loan term available.

Can I get a loan without proof of my income?

No. You will be required to show proof of your income. This may be from benefits such as a pension, earnings via employment and PAYE, or SA302 forms if you are self employed.

Can I get a loan without a credit check?

No. All of the lenders and brokers on our panel will require a credit check to ensure your credit worthiness. However, there a selection of lenders who can lend if you have adverse or bad credit.

Can I get a loan with a bad credit history?

Yes. There are a good selection of lenders willing to borrow to those who have retired or who are at pensioner age with a poor credit history or who have a low credit score.

Should I use a broker or go direct to a lender.

The avantage of using a loan broker means that they can search a wider range of loans to find you the best deal at no additional cost to you. Also, if you have some adverse credit or a none standard loan application then using a broker may prove helpful in ensuring your loan application is a successful one.

I am retired and only working part time hours can I get a loan?

Yes. The lender will need to consider your part time earning capacity and if the loan you wish to take out is affordable. As an older borrower there may also be restrictions on the loan term depending on your age. The lender may also take onto consideration any pension benefits towards your income calculation.

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Rating: 4.6 / 5 with 23 votes

Lending Expert is a credit broker, not a lender.

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