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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 unsecured 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 unsecured loans 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 unsecured loan available.

Unsecured loans are popular for smaller purchases and are readily available for loans between £1,000 – £35,000 and in some cases as high as £50,000 subject to credit checks and affordability. Unsecured loans are quick to arrange and can be paid out in a matter of days.


Should I Apply for an Unsecured Loan?

An unsecured loan means that you borrow up to £25,000 without putting down anything as collateral. Your eligibility for a loan is based on your income and credit rating, rather than the value of your home or car.

So for the borrower, it is pretty low risk and therefore if you are unable to keep up with your repayments, you will not risk losing your home or vehicle through repossession, but it will have an impact on your credit score.

Lending Expert offers a simple way to compare unsecured loans, using our table provided to see loan amounts, rates and terms from a number of competitive lenders across the UK. An application takes less than 5 minutes to complete and you will usually get an instant decision on the screen.


Key Features from Our Unsecured Lenders

  • Borrow £1,000 to £25,000
  • Repaid over 1 to 5 years
  • Not secured against your house or car
  • Same day funding
  • Direct lenders
  • Bad credit considered
  • No guarantor required


What Are The Types of Unsecured Loans?

  • Payday loans
  • Personal loans
  • Home improvement loans
  • Debt consolidation loans
  • Business loans


What is The Criteria for Unsecured Loans in the UK?

  • 18 or over
  • UK resident
  • Employed and able to cover monthly repayments
  • Valid UK bank account, email address and contact number
  • Good or average credit score
  • No recent defaults, CCJs, IVAs or bankruptcy


Why Compare Unsecured Loans with Lending Expert?

Lending Expert allows you to compare unsecured loans and get the best deal for you. There are hundreds of lenders in the UK and each offers very different terms and rates and being able to find them all in one place can help you save time and money, rather than going to each lender individually.

If you compare unsecured loans effectively, you could save a few hundred pounds and find the exact loan term and duration that you need.

Our entire service is free to use and always will be. Your details are kept safely and securely and we will not pass on your information to any other companies with your permission.

We have spent years partnering with the best unsecured loans companies and have matched thousands of customers to the right lenders so far. We are a broker which is regulated and authorised by the Financial Conduct Authority.


How Much Can I Borrow with Unsecured Loans?

We offer unsecured loans from £1,000 to £25,000 and the amount you can borrow is based on your income, affordability and credit score. If you wish to borrow the maximum amount, this will need to be reflected in your credit rating, monthly income and expenses to ensure that you afford the monthly repayments without falling into financial difficulty.


What Information Do I Need To Apply for an Unsecured Loan?

When you apply for an unsecured loan, it is actually one of the most straightforward loan applications. Since there are no assets or collateral involved, you simply apply with basic information such as your name, age, contact details, address, monthly income, expenses and loan requirements.

Your eligibility is mostly based on your income and credit score – so our partner lenders will run some basic checks behind the scenes to be able to give you a provisional quote.



Can I Get Unsecured Loans for Bad Credit?

Yes, unsecured loans for bad credit are available, but the lender may charge a higher rate to manage the risk. Some of the unsecured lenders that we work with are willing to take a view on bad credit histories, provided that you have made a number of recent payments and are improving your financial situation.

If you do not have any collateral or want to use your home or car as security, you can look at applying for a guarantor loan, which means that you just need an extra person with a good credit rating to co-sign your loan agreement.


How Soon Can I Receive Funds?

When you compare unsecured lenders through our website, you can choose the one best suited to you. You will undergo some final checks which are completed on the same day of applying and successful customers can usually receive funds within 24 hours or less.


How To Apply for Unsecured Loans Online with Lending Expert

Our process is simple. Compare rates and loan amounts using the comparison table provided and simply click on ‘check eligibility’ with the unsecured lender that meets your requirements.

You will be taken to their website and asked to complete some basic information. Working with unsecured loans direct lenders, they are able to run some instant checks and provide you with a free quotation on the screen.

If you wish to proceed, the lender will carry out some additional checks which could include a quick phone call to you to confirm some details. If everything is on track, your loan can be approved and funds can be sent to you on the same day of applying.

There are no fees for applying and checking your eligibility will not impact your credit score. Lending Expert is proud to offer a free, clear and transparent service, helping you get approved for affordable loans and save you money where we can!


Do you work with unsecured loans direct lenders?

Yes, we proudly work with a range of unsecured lenders in the UK and they are direct lenders, meaning that they will process your application from start to finish, deposit funds into your account and collect repayments, with no other middlemen, brokers or fees included.

Are there any fees for applying?

No, it is completely free to apply. The only fees you will pay will be the monthly interest accrued on your loan and any late fees for missed repayment.

How can I get unsecured loans with low APR?

Unsecured loans are available from market leading low rates and these are usually available for borrowers with the strongest credit scores, stable incomes and low outstanding debt across other products they owe. This makes the individual a low-risk to lend to, so they can usually get a loan offer at a lower APR.

Do I need a guarantor?

No, you will not need a guarantor for an unsecured loan, it simply involves you applying directly with the lender. If you have bad credit, you may consider using our guarantor loan option to help you boost your chances of approval.

How do repayments work?

Repayments are typically made in equal monthly instalments over the 1 to 7 years of the loan term. This may vary between lenders and also based on whether you borrow at a fixed or variable rate. Always check the terms of your agreement.

What is the meaning of an unsecured loan?

An unsecured loans means that your loan is not secured against anything valuable like a car or home to be eligible. Your eligibility is based on things like credit score, income and record of paying other forms of credit on time. But if you cannot repay your loan, the lender does not and cannot repossess anything you owe.

How are secured loans different to unsecured loans?

With secured loans, your loan is secured against something valuable that you own like a property, vehicle, jewellery or even art. The amount you can borrow is based on the value of the asset and you risk losing this if you cannot meet repayments on time.

What happens if I cannot repay? Will the lender take anything I own?

If you fall behind on repayments, you will incur late fees and it will negatively impact your credit score. Being unsecured, the lender cannot repossess anything you own.

Compare unsecured loans with Lending Expert today. Check your eligibility and apply online.

Related Links

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No Guarantor Loans

Get a bad credit loan with no guarantor required today. Check your eligibility and apply online today with Lending Expert.