We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker, not a lender. OinkMoney.com Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd for the purposes of obtaining a loan. Oink Money does not provide any loan or consumer credit products directly.

Unsecured Loans from £100 to £5,000

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Unsecured Loans for All Credit Histories

An unsecured loan is one not taken out against any property or assets. This means your possessions are not at risk should you be unable to carry on making payments.

They can often be referred to as signature or personal loans, based on a borrower’s creditworthiness rather than collateral.

The two most common insurance items are homes and cars. A form of ‘security’ for the lender, it ensures they aren’t left out of pocket and can forcibly sell your property. They are most commonly associated with mortgages and logbook loans but can be used against other forms too.

Of course, it means that you risk losing your property should you run into difficulty with repayments. Circumstances can frequently change, so if you find yourself unable to pay off a loan, your possessions are at risk.

This is what makes unsecured loans so sought after – lenders find other methods to get their money and can be more inclined to negotiate.

Is an unsecured loan the best option for me?

Unsecured loans keep your possessions safe and may give you a bit more freedom as to how to deal with your debt should you, unfortunately, run into difficulty.

However, depending on your circumstances, a secured loan could actually be cheaper. Some lenders may offer you larger amounts of money and lower interest rates, safe in the knowledge that they will get their money back no matter what.

This could be a good option for anyone who is confident in being able to pay the money back, especially if you know employment/income status is unlikely to change substantially.

But longer-term loans between three and ten years could be risky if they’re secured as situations could easily change, both personally and occupationally. If it isn’t that much more expensive to take out an unsecured loan, you could save yourself a lot of future worries.

Am I likely to be accepted?

Anybody can apply for an unsecured loan, but whether they are accepted depends on a lot of factors such as annual income, outgoings and job stability/duration.

As well as the basics – being over 18, a UK resident and receiving over a certain income threshold each year – every lender has their own policies in place. Some will only accept those in employment rather than in receipt of benefits, and some will solely approve those with fair credit or above.

You may be more likely to be accepted for an unsecured loan if you have a good credit rating, as this can be what some lenders base their assessment on. This is because those with bad credit may be seen as a riskier investment, and lenders could want security such as possessions or a guarantor.

The majority of payday and quick loans are now unsecured and can be offered with no guarantor required, due to their fast payment and short duration. They can also have high acceptance rates amongst those with bad credit so it is an option to consider, although the interest rates offered could be substantially more than with a secured loan.

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Check your credit score online before applying for loans, to see if there’s anything you can do to boost it and possibly improve your acceptance prospects (and get better rates).

Oink Money can help you find the top unsecured loans for your needs, without leaving a mark on your credit file. Simply fill in a few details, and Monevo’s comparison technology can show you those most likely to approve your application.


We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker, not a lender.

OinkMoney.com Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd for the purposes of obtaining a loan. Oink Money does not provide any loan or consumer credit products directly. We do not make short term loan or credit decisions.

We do not charge any fees. If you are contacted by anyone saying they are calling from Oink Money requesting you make them a payment, you should report this to www.actionfraud.police.uk immediately. We will never contact you asking for a payment.

*The loan amount and interest rate you are offered are subject to lenders requirements and approval. If accepted by a lender, a full credit check will be carried out. If Monevo are unable to find you a loan, they may offer you an alternative product. The time it takes for the funds to appear in your account may take longer, and will depend on your bank and the lender's own policies and procedures.