ePrivacy and GPDR Cookie Consent by Cookie Consent Loans for £1,000 – Direct Lender – Everyday Loans

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like to borrow?


  • Less than perfect credit accepted

  • Conditional decision in minutes

Our quotes won’t affect your credit score.
Representative APR 99.9%.

Loans for £1,000

At Everyday Loans, we take pride in our personalised approach to personal lending. You can apply to borrow £1,000 with us today.

Representative Example: Borrowing £3,000 over 24 months at an interest rate of 71.3% p.a. (fixed), you will repay 24 monthly payments of £237.75 per month. Interest Payable £2,706. Total Repayable £5,706. Representative 99.9% APR.
Loans are subject to status and affordability. Terms and conditions apply.

Everyday Loans for everyday people

Since our establishment in 2006, we have been dedicated to providing personal unsecured loans to individuals across the UK, especially those who have previously encountered credit challenges.

We are pleased to offer loan amounts ranging from £1,000 to £15,000, with repayment terms from 18 months to 5 years. We look beyond your credit history and consider your financial situation and personal objectives.

If you are searching for a £1,000 loan, please complete our brief online application form, and we will provide you with a conditional decision tailored to your unique circumstances.

Start Your Application

How it all works

We are a friendly local lender, providing a personal lending experience tailored to individuals with varying credit scores. Our application form only takes a few minutes to complete, with a conditional decision provided online. If you receive conditional approval, you can visit your nearest branch to discuss your loan options and meet one of our friendly lending team. We aim to complete the process promptly, typically within 24 to 48 hours.

  1. Complete our online application form

  2. Get an initial decision in minutes

  3. Pop into your local branch to complete your loan

All of our loans are subject to status and affordability.

Why choose Everyday Loans?

  • Our application process utilises soft search technology, ensuring that applying for a loan with us won't impact your credit visibility to other lenders. A more detailed hard search only occurs when you make a complete application.
  • We specialise in loans for individuals with less-than-perfect credit histories. To be eligible, you must be over 18, a UK resident, and capable of affording the repayments.
  • We are a direct lender, not a broker, with no application fees. After you apply, you will receive a conditional decision within minutes.
  • Borrow between £1,000 and £15,000 for 18 to 60 months. Our loans are not intended for business, gambling, or illegal purposes. Maximum APR 299.8%.

Our service's heart lies in an unwavering commitment to a personal approach. We believe in providing you with the chance for in-person discussions, allowing you to address any questions directly with our approachable team. With our branches strategically situated across the UK, we ensure you gain a comprehensive understanding and confidence in your loan's terms and financial agreements.

Tailored Local Lending

Everyday Loans takes pride in our local branches' essential role in providing exceptional customer service. Each branch is staffed with dedicated professionals who are prepared to assist you. Upon receiving conditional approval for your loan, we'll arrange a meeting at your nearest branch.

This in-person interaction enables us to understand your financial situation and unique circumstances better. We view you as more than just a credit score. This personal approach allows us to offer loans to a broader range of customers.

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Responsible Lending

We are committed to responsible lending, and we consistently aim to offer transparent and uncomplicated support to our customers. Safeguarding your personal information is our foremost concern, and we strictly adhere to the UK's GDPR and DPA regulations.

We adopt a personal approach by arranging individual meetings with each customer to explore their loan choices thoroughly. This process allows us to gain a deeper insight into your financial circumstances and provide a loan that aligns with your requirements. Furthermore, we offer a straightforward glossary to clarify important financial terms, including APR, to ensure clarity in every aspect.

We aim to be as supportive as possible, especially if your circumstances change and making payments becomes challenging. We encourage open communication with our branches; working together to find a suitable solution is our goal.

If you're considering a £1,000 loan, getting started is straightforward. To begin, click the 'apply now' button to begin your application process.

Am I eligible for a £1,000 Loan?

At Everyday Loans, we specialise in helping those with less-than-perfect credit. We provide unsecured personal loans from £1,000 to £15,000 with repayment terms extending from 18 months to 5 years. You don’t have to be a homeowner; we offer loans to people in various living arrangements, including renting or living with parents.

How do unsecured loans work?

We offer unsecured loans, which do not require you to pledge assets such as your house or vehicle as security. These loans offer repayment schedules over 18 months to five years. When applying, you can choose an amount that suits your financial needs, between £1,000 and £15,000.

Once you apply online, we will perform a soft credit check to see if you are eligible for a loan with us, a soft search won’t be visible to other lenders if you are unsuccessful with your application. You can learn more about the difference between soft searches and hard searches in our glossary page. If we conditionally approve your application online, we'll invite you to a nearby branch to finalise the loan agreement. Once you agree to the terms, the funds are typically available within 24 to 48 hours.

What are the benefits of an unsecured loan compared to a secured loan?

An unsecured personal loan has one core advantage compared to a secured loan:

  • Your home isn’t part of the loan arrangement. You're not risking your home, as you're not borrowing against its value. Therefore, if you cannot repay, you won't face any risks of losing your property.

  • However, there are drawbacks to consider when taking any type of loan:

  • If you miss payments and fall into financial difficulties, it will have a negative impact on your credit file and score. This may affect your ability to borrow money in the future.
  • I have a bad credit history. Can I still get a £1,000 loan?

    Certainly, we are committed to helping individuals with less-than-perfect credit scores. We have a proven track record of providing loans to people throughout the UK who have previously encountered credit difficulties. If you're considering a loan with us, please fill out our online application or contact your nearest branch for further details.

    Are unsecured loans safer than secured loans?

    Unsecured loans do not require collateral like a house or vehicle, keeping your assets safe even if you face repayment difficulties. Nevertheless, it's crucial to remember that failing to repay any loan, including unsecured ones, can damage your credit history and affect future credit accessibility. Always consider your financial situation before taking out any loan.

    Are unsecured loans safer than secured loans?

    At Everyday Loans, we offer flexible usage of our loans, subject to certain conditions:

  • Our loans are intended for personal, not business use.
  • Using the loan for gambling is strictly forbidden.
  • Loans must not be used for illegal activities.

  • During your application, we'll ask about the loan's intended use to ensure it meets our responsible lending standards. Apply today to check your eligibility.

    FAQs about unsecured personal loans

    Here, we answer commonly asked questions about our loans and the lending process. We aim to provide thorough information to help you make well-informed financial decisions. If your question isn’t addressed here, please get in touch with us for further assistance or visit our FAQ page.