0% Interest Loans
Find the next best thing to 0% APR loans using our 3-step search online. Here’s how to see your offers:
Representative APR: 279.5% | Representative Example: Loan Amount: £300 | Borrowed for 60 days | Total Repayment: £420.82 in 2 monthly installments of £210.41 | Interest Charged: £120.82, interest rate 120.8% pa (Variable)
Get 0% Interest Loans With LoanBird
Step 1 - Application
Simply fill out a quick application with a few details about the loan you require along with your current finances; it only takes a few minutes.
Step Two - Decision
We’ll give you a decision in seconds, and you’ll see a list of loans in the UK, personal loans and more that you’re eligible for. All you have to do is choose the one you want!
Step Three - Cash
Digitally sign your loan agreement and receive the cash in your bank account within just 10 minutes!
0% APR Loans? Why Using LoanBird will Find You the Best Loan Deals
Searching online for 0% interest loans can leave you with a mix of lender specific offers as well as less than trustworthy sources. If you’re looking to purchase something in particular, such as furniture or a car, you may find lenders offering ‘0% APR loans’. What this actually means is the lender doesn’t have to charge interest because they make a profit from the product you buy, helping you to spread the cost of paying it back. However, this could mean you are overpaying for something you need, as it won’t be clear how much you are being charged from the price. Here at LoanBird, whilst we do not offer ‘0% interest loans’, we can connect you with trusted lenders with APR rates starting from 49.9% so that you can find the cheapest offers around.
As well as lenders offering 0% loans to help entice you to purchase a product, other lenders will offer borrowing interest-free. However, these lenders may not be working in your best interest, instead charging hidden fees that aren’t clear from the outset. Instead of taking the risk, using our FREE service will help you see quickly your available offers from trusted FCA approved lenders. We are an FCA authorised broker, connecting customers with the lowest interest offers available to them. Click apply now to see the alternative to 0% loans we can help you with.
Benefits of Using LoanBird when Searching for 0% Loans
Quick and easy online application
Find loans up to £15,000
Apply for loans online from anywhere
Instant decision loan finder
Choose instant loans, business loans, personal loans and more
Find a loan with no credit check required
Over 30 FCA authorised lenders of instant loans in the UK
Instant bad credit loans available
Cash in your account 10 minutes after approval
No brokerage fees – completely FREE to use!
Choose the Next Best Thing to 0% Interest Loans Using Our Service
Using our FREE online search will connect you to lenders in the UK who can match your loan requirements. Whilst our panel of lenders can’t offer 0% APR loans, they can guarantee that their loan offers will closely match your circumstances and you will be treated fairly as a customer. Each lender will have their own requirements for non 0% loans, but you will be able to compare your lender offers all in one place. Whether you are looking for a £100 short term loan or £5,000 over a longer period, our alternatives to 0% interest loans provide the lowest rates around.
The best thing about finding non 0% APR loans through us is that you can use the funds for anything you want. Where other 0% loans online can only be used when buying a specific product, our non 0% interest loans can be used for anything you need to pay for. From home improvements, to emergency expenses, to a holiday and more. We are also FREE to use, charging no hidden fees and our panel of lenders, who may pay us a commission for introducing you as an applicant, will not pass this charge onto you.
Eligibility to Apply – Find Near to 0% APR Loans Today
Our eligibility criteria at LoanBird is simple, allowing us to help a wide range of customers. We can offer loans quickly and fairly, providing satisfaction for all applicants. You can apply for our instant loans if you are currently:
At least 18 years of age
A resident in the UK
Hold a UK bank account with a valid debit card
Receive a regular income
Meeting the above means whilst you won’t find 0% interest loans, you can click apply now and browse your personalised low APR offers straight away. As part of your application for non 0% APR loans, you will need to provide supporting documents. This includes proof of identity, proof of address and your most recent bank statements. These help to confirm your identity to perform a credit check and allows the lender to assess your current affordability.
Apply Today for our 0% APR Loans Alternative
You can get started and find non 0% loans quickly and conveniently using our online service. It’s completely FREE to review your offers, so click apply now and begin your application. Once you’ve selected the offer you want to continue with, complete your application with the lender and you will receive the funds the same day. Sometimes, this could be within 10 minutes of signing your agreement. Have any questions about 0% loans? Please get in touch and our team will be happy to help you further or browse our FAQs for more information.
0% Interest Loans FAQs
Should I Trust Lenders Who Offer 0% APR Loans Online?
If you find lenders offering 0% loans, then you need to carefully check the terms and conditions. Whilst they may offer no interest, this could be replaced by some sort of fee to begin with. On many occasions, the offer of 0% loans is used to lure in potential applicants, but the reality could be more money spent in the long term. If a lender offers 0% interest loans, it may be restricted on what this can be used for, such as a particular product they sell, for example, if they are a retailer. It could also mean that the cost of what you’re purchasing is more than it would be elsewhere, so it is always best to review your options.
What is the APR Offered by Your Lenders If They Can’t Offer 0% Loans?
Here at LoanBird, we only work alongside trusted lenders who are on the FCA register. They work within responsible lending guidelines to ensure they do not overcharge interest for any loan offered. Each lender’s APR rate can vary, but you will see what this is when reviewing your loan offers. Whilst we cannot promise 0% interest loans, the APR starts from 49.9% so you’ll be safe in the knowledge you’ll be accessing some of the best APR and interest rates on the market for your circumstances.
What Loan Products Can You Help With if Not 0% Interest Loans?
We have plenty of different types of loan you can search for here at LoanBird, all offering the lowest APR rates you’ll find online. No lender can promise 0% APR loans, so what you should be looking for is the next best thing which is low interest. By using our platform, you’ll be able to review the best rates on personal loans, guarantor loans, payday loans and more, then just choose the option that works out best for your needs.
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