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Personal Loans

Here at Oink Money, it is our mission to find you the best personal loans available. We are a licensed credit broker and not a lender.

What are Personal (Unsecured) Loans?

Personal, unsecured loans let you borrow ready sums of money up to the value £25,000 – and you don’t have to be a homeowner. Shop around and find the best deal for your unsecured loan or use our application form and let us take the hard work out of the process for you.

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Personal, unsecured loans are an easy way to borrow money without having to secure a loan against an asset like a property or a vehicle. Personal loans are secured against your personal credit history, which means that you can get your loan processed much faster and you don’t run the risk of forfeiting on your property or asset. In most cases, once approved, they only take between a few hours to a day to hit your bank account. You'll sometimes be eligible for a lower interest rate if you have an excellent credit history. Don't worry though, even those with bad credit can apply for a loan using Oink Money's loan match-making service.

Many high street banks like Santander, RBS and Natwest offer unsecured loans, but you can also find personal loan offers at the Post Office, AA, Tesco Bank and M&S; or go for dedicated loan service providers like Zopa or RateSetter. At Oink Money we've got you covered - we search all the popular lenders to find you the best deal according to your circumstances. Apply for an Unsecured Loan today.

You’ll have to pay back your personal loan with interest – interest rates vary depending on the size of the loan and your credit history.

What can I do with a personal loan?

People take out personal loans for many different reasons such as:

Personal loans can help you manage cash flow, and as there are no restrictions on personal loans; they can be a great source of flexible and fast income when you need it the most.

Interest rates on personal loans

Companies often advertise their best interest rates and annual percentage rates (APRs), but you might be given a loan with a different interest rate based on your eligibility and the lending criteria. Don’t always believe ‘representative’ rates, and always read the small print.

How much money can I get with an unsecured loan?

The amounts you can borrow are flexible and really depend on how much money you have and how much you can afford to pay back. You could borrow anything from £1,000 to £25,000 pounds, but what you can borrow will be impacted by your credit history and previous loan activity .Some lenders may need a personal guarantor, but this depends on individual credit agreements.

How do I pay back my loan?

Repayments schedules for this type of lending depends on the moneylender, the borrowed sum, and the loan period. You should shop around and compare different loan interest rates to make sure that you are getting a good deal. Some loan deals mean that you have to pay back almost double the borrowed sum, which doesn’t make much financial sense. Repayment schedules can vary from three months to a total repayment period of 36 months (three years) – consider when you can realistically afford to pay the loan back.

Are personal loans secure?

As with any more you borrow, you need to be cautious and ensure that you aren’t taking out too much money and then defaulting on your repayments. It’s important to be money-savvy and only take out a loan amount that you know you can comfortably repay and that won’t cripple you. Always be truthful and honest on any loan applications that you make.

What different types of personal loans can I get?

The different loans that are available to you depend on how fast you are able to make repayments, as well as your previous credit history and credit score. A bad credit rating may not stop you from securing a loan, but it may lead you to getting a higher interest rate. There are two main types of loans: fixed (more common) and flexible:

Fixed personal loans

A fixed term personal loan means that the loan repayments are made in equal sums over a fixed period. These repayments will include the loan sum and any interest incurred, and will allow you to plan financially. A fixed personal loan also guarantees a fixed interest rate that won’t fluctuate according to international markets.

Flexible unsecured loans

Flexible loans are less common, but they can be useful too. A flexible loans means that you may be able to part-withdraw from the total sum you want to borrow, only paying interest on what you’ve withdrawn. This is great for when you are not quite sure how expensive a project is going to be when you first get going with it. Another flexible loan option allows you to repay the loan early or make overpayments when you can afford to (without penalty). Flexible loans may have higher interest rates but as they are more flexible, they give you the option of ridding yourself of any debt sooner.

How to get the best unsecured loans

Make sure that you compare all the different loan features, including the repayment schedule, real interest fees, and any penalties for late or overpayment. You can apply for a personal loan online here at Oink Money, or see a broker (but then you may have to pay brokerage fees). Think about the loan threshold carefully – you may get a better deal by borrowing slightly more than you need on a better interest rate, rather than settling for a smaller loan amount on a higher interest rate.

Who can apply?

We want to help everyone who is searching for the best lender and product to suit their needs. We've made our service available to almost everyone, but you must be over 18 to apply.