Long Term Loans

Find long term loans from trusted lenders in 3 easy steps at LoanBird. Here’s how you can do it:

Representative APR: 49.9% | Representative Example: Loan Amount: £1,000 over 12 months at £107.53 per month. Total Repayment: £1,290.36 | Interest: £290.36. Interest rate: 49.9% p.a. Fixed*.

Get A Long Term Loan From A Trusted Lender

Step 1 - Application

Complete our quick application with just a few details about the long term loans 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 long term loans direct lenders, personal loans and more that you’re eligible for. All you have to do is choose!

Step Three - Cash

Digitally sign your long term loans agreement and receive the cash in your bank account within just 10 minutes!

Find Long Term Loans for Bad Credit in the UK Easily Through LoanBird

When you need to take out a loan, but you need a longer term to pay it back, finding suitable lenders isn’t always that easy, especially if you have a poor credit history. Long term loans direct lenders can be found online that specifically cater to this need, but some may not be able to help if you have bad credit. Here at LoanBird, we are FCA authorised brokers who can match you with long term loans for bad credit in the UK, so if you do have a less than perfect credit rating, you can apply with confidence. Our panel of lenders consists of FCA approved long term loans direct lenders who all specialise in this type of borrowing. You only need one application, and you’ll see all your available offers of long term loans in one place.

If you want a fast service, at LoanBird we can help you find the long term loans for bad credit in the UK you’re most suited for in minutes. Our application form is quick and convenient to complete, and once submitted, we’ll show you immediately the long term loans for bad credit in the UK you are pre-approved for. By performing a ‘soft check’ of your credit file, this allows you to be matched accurately with lenders without worry that this will show on your credit history. Click apply now and see all your available offers today.

a pretty woman discussing long term loans on her mobile

What are the Benefits of Finding Long Term Personal Loans Using LoanBird?

Quick and easy online application

Find long term loans up to £15,000

Apply for long term loans online from anywhere

Instant decision long term loans finder

Choose instant long term loans, business loans, personal loans and more

Find long term loans direct lenders with no credit check required

Over 30 FCA authorised lenders of instant long term loans for bad credit in the UK

Instant bad credit loans available

Cash in your account 10 minutes after approval

No brokerage fees – completely FREE to use!

Choose Your Ideal Lender of Long Term Loans for Bad Credit

Choosing long term personal loans can be a simple process when you use the right tool, and here at LoanBird, we’ve made the process simple. As we take a 3 step approach to connecting you with long term loans direct lenders, you won’t be left hanging around for a decision. Once you are shown the lenders you are pre-approved for, you can take your time to browse the offers and make the best decision for you. All the information you’ll need about the long term loans for bad credit in the UK will be presented conveniently, so at a glance, you can see the most important information. Ideally, you’ll find an exact match for the long term loans amount and repayment term you’ve been searching for, then all you have to do is complete your application with the lender.

If they can agree your long term loans’ application is approved, you’ll receive the digital credit agreement to read and sign. You could receive the funds into your bank account in 10 minutes, depending on the lender you choose and if your bank supports faster payments. Click apply now and see how quickly you could find a long term loans direct lender to pay for that new car, home improvement, business venture or holiday today.

Eligibility for Long Term Personal Loans

The eligibility criteria for long term loans is as clear as possible so that we can help you as quickly as possible. We can connect you with lenders of long term loans for bad credit in the UK fairly, providing satisfaction for all applicants. You can apply for our instant long term loans if you are:

At least 18 years of age

A current UK resident

Hold a UK bank account with a valid debit card

Receive a regular income

Meeting the above is the first step towards completing an application and finding your personalised lender offers of long term loans. Once you have chosen a lender, a ‘hard search’ will be performed on your credit file and you will be required to provide supporting documents. This is usually proof of identity, proof of address and your most recent bank statements. With this information, the lender can identify you and review your current finances to ensure you can afford the loan you want to take out. If all is agreed, you’ll receive the documents to sign and the cash in your bank account on the same day where possible.

a young girl and her mum in the park sat down

Apply Today for Affordable Long Term Loans

Happy to proceed? Then click apply now and we can get started with helping you get the perfect long term loans. If you have any questions about long term loans, please don’t hesitate to get in touch today and our team at LoanBird will help you with your query. You can also browse our FAQs to find further help on common questions we are regularly asked.

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Long Term Loans FAQs

Am I Guaranteed to be Approved for Long Term Loans for Bad Credit?

Whilst we cannot guarantee you will be approved by long term loans direct lenders, we’ll connect you with offers you are most suitable for. This way, you can avoid applying for anything that you are not eligible for and refine the lender offers to ones you have the best chance of approval for. No lender of long term personal loans can guarantee you will be accepted, so you will need to search to find out your offers and then make a choice based on what you can afford to commit to.

Do I Require a Guarantor for Long Term Personal Loans if I Have Bad Credit?

No, we are happy to say that having a guarantor is not a requirement to apply for long term personal loans. We can help you with guarantor loans if this is a product you are interested in, but our panel of lenders for long term loans will not request this. As we are specialist loan brokers for bad credit, you can apply as a sole applicant and see who can help you based on your exact circumstances. If then for any reason there are no options for, our guarantor loans may be able to help instead.

How Quickly Can I Receive the Cash from Long Term Loans Direct Lenders?

We work very quickly to connect you to suitable lenders, so you can then apply and complete your application with your chosen loan option. It is then down to the lender to process and pay out your loan amount. In some cases, applicants have received the funds within 10 minutes of signing their digital credit agreement, but this can’t be guaranteed for all lenders. Most will work as quickly as possible to provide same day funding where possible.