Unsecured Loans

Find and apply for unsecured loans from the best UK lenders today. Here’s how to do it:

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)

Find An Unsecured Loan With LoanBird

  • Step 1 - Application

    Firstly, choose the unsecured loan amount you want, followed by how long you need to borrow for.

  • Step Two - Decision

    Once you’ve submitted all your information you will receive a fast decision. We’ll show you your options on unsecured loans in the UK from our panel of direct lenders. Just choose the deal that’s best for you!

  • Step Three - Cash

    Finally, once you have accepted the unsecured loan, the lender will send the cash straight to your bank account. Most customers receive the cash on the same day, within 10 minutes.

Find an Unsecured Loan from Trusted Lenders Here at LoanBird

An unsecured loan can be the perfect solution when you need to borrow money to cover a small or large purchase, for example, a holiday, a new car or home improvements to name a few. This type of loan is not secured against any collateral, meaning if for any reason repayments are missed, the asset purchased using the loan will not be used to settle the debt like with a secured loan. There are many types of unsecured loan we can help you find here at LoanBird, such as a personal loan or other short term lending. As we are an FCA authorised broker of unsecured loans, you can quickly see the best unsecured loans in the UK from our panel of lenders with just one application.

It’s very simple to get started with our smart search that will connect you with lenders you could be pre-approved for. Just click apply now and fill in our quick to complete application form. You only need one to see all your available unsecured loan offers together. If our lenders can match your requirements, you will see them listed and then browse all of your offers. Then it’s just a case of choosing the best offer for you and completing your application today. You could even receive the cash in your bank account within 10 minutes of signing your digital loan agreement.

loanbird explains it provides multiple lenders for unsecured loans

The Benefits of Using LoanBird to Discover Unsecured Loans in the UK

Quick and easy online application

Find unsecured loans in the UK up to £15,000

Apply for unsecured loans online from anywhere

Instant decision unsecured loan finder

Choose instant unsecured loans, business loans, personal loans and more

Find an unsecured loan with no credit check required

Over 30 FCA authorised lenders of instant unsecured 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 Right Unsecured Loan for You Every Time

If can be time-consuming searching online for the right unsecured loan, especially with so many online lenders available. Who has the best rates? Which lenders are reliable and transparent with their terms? It’s not always as clear as you might expect, which is where we can help you with a clear path through the noise. We work alongside over 30 FCA approved direct lenders of unsecured loans, all trustworthy and working within responsible lending guidelines. They can also help you if you have a bad credit rating as they will take the time to assess your application based on what you can afford more so than your current credit score. It’s all part of our commitment as brokers to connect customers with the best options available. Using our platform enables you to make much better, savvier financial decisions, and best of all it’s FREE to use.

You won’t need to undergo a credit check either to see your available unsecured loan offers. A ‘soft search’ will be performed to check your credit history, but this will not appear on your credit file and will not impact your credit rating for doing so. This is so you can browse your offers and take the time to choose the best deal for you, with no obligation to continue an application if you changed your mind. Only once you have decided on a lender will a ‘hard search’ be conducted by them as part of the approval process.

Eligibility for Unsecured Loans

We’ve made the eligibility criteria for unsecured loans simple to follow and open to many different types of circumstances. At LoanBird, we are happy to help more people find what they need than other lenders can, so to use our service you’ll need to meet the following:

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

By meeting the above, you can click apply now and start your application today. You should also prepare secondary documents for when you continue an application, including proof of identity, proof of address and your most recent bank statements. Having these already to hand will help you speed through the application process and get a quicker decision on the loan you want.

a girl in a library conducting research on a laptop

Apply Now for an Unsecured Loan through LoanBird

Read enough? If you have all the information you need, click apply now and within minutes you can review your available offers on unsecured loans in the UK. If you do have any questions, please feel free to contact us and speak to our team. You can also find out common answers to questions we receive in our helpful FAQs section, as well as more about how it all works.

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Unsecured Loans FAQs

What’s the Longest Term I Can Choose for an Unsecured Loan?

You have the flexibility to choose unsecured loan terms from between 1 month and 5 years. The longer your term, the lower your monthly repayments will be, but it will take you longer to settle the loan. We recommend customers not to take out the longest term available if you can afford to repay more each month, however, you should ensure that you can meet and sustain the monthly repayments if you do choose to clear the balance quicker. Please note, not all of the lenders will be able to offer the maximum term we can help you with of 5 years, so when you do select the repayment term, we may match you with lenders that can offer close to this.

Can I Pay Off My Unsecured Loan Quicker Than Planned?

Many lenders will allow you to make an early repayment on your unsecured loan but may charge an early repayment fee for doing so. Please check your credit agreement for details on whether the lender you have chosen will charge an early repayment fee, as some may not. You will need to contact the lender directly if you want to clear the balance on your unsecured loan. We encourage all applicants who are in a position to so to settle their balance sooner than planned, as you could save money on the amount of interest being charged, but please check you are happy to pay any early repayment fee if it applies to your loan.

What Happens if I Miss Repayments on Unsecured Loans in the UK?

If you have missed a repayment on your unsecured loan or feel you may struggle to maintain the repayments, you should contact your lender as soon as possible. They will be able to discuss with you a suitable time period to pay the missed payment. If you feel you will continue to struggle to sustain your repayment schedule, you should inform the lender before payments are missed. You should refer to the terms and conditions within your credit agreement regarding missed payments, as you could be charged a late payment fee or risk defaulting on the loan. If you are having financial difficulties, you can seek impartial advice from The Money Advice Service or Citizens Advice Bureau.

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Related Info to Unsecured Loans:

Online Loans

£1000 Loan

12 Month Loans

Cheap Loans

Installment Loans

 

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).