ePrivacy and GPDR Cookie Consent by Cookie Consent Loans for £10,000 – Direct Lender – Everyday Loans

How much would you
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 £10,000

We are a direct UK lender specialising in helping those with bad credit. You could borrow £10,000 over 18 months up to 5 years. Contact us to see if we can help.

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

Everyday Loans has been a committed provider of personal unsecured loans to customers across the UK since 2006, with a focus on those who may have faced difficulties with their credit history in the past.

We are pleased to be able to offer loans ranging from £1,000 to £15,000, with repayment periods from 18 months to 5 years. Our evaluation of loan applications extends beyond just credit history; we look at your present financial circumstances and take the time to understand your individual needs and goals.

If you're looking for a £10,000 loan, please complete our short online application form and we will provide you with a conditional decision, tailored to your situation.

Start Your Application

How it all works

Everyday Loans is a welcoming and local personal loan provider with branches all over the UK. Our team is experienced in working with all kinds of credit scores and focuses on providing a more personal touch in our lending services. It takes just a few minutes to fill out our application form and you'll get a conditional decision online. If your application is conditionally approved, we invite you to come to your nearest branch to finalise your application. There, you can talk about your loan options with one of our friendly lending team. We aim to complete the whole process 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?

  • We use soft search technology for applications, so applying for our loans will not be visible to other lenders on your credit report. We only conduct a hard search during a full application for credit.
  • We are bad credit loan specialists, so you don’t need a perfect credit score to apply. You'll need to be over 18, a UK resident and be able to afford repayments.
  • We're a direct lender, not a broker, and we do not charge a fee to apply.
  • We'll give you a conditional decision in minutes.
  • Borrow between £1,000 to £15,000 from 18 to 60 months. Loans not for business, gambling or illegal purposes. Maximum APR 299.8%

Everyday Loans have many years of experience in providing long-term loans to borrowers across the UK. We specialise in helping people with bad credit, so we may be able to provide you with a loan offer even if you have had issues with credit in the past. We also meet with you face to face so you will have a chance to speak with one of our staff about any questions you may have.

To better serve our customers, we have branches situated across the UK. That means meeting up with our team to discuss a potential loan is as convenient as possible. Our staff can help explain things like loan offers and make sure you feel comfortable understanding any financing agreements.

Tailored Local Lending

Our local branches are one of our best assets when it comes to customer service. Each location has a team of professionals ready to help you. Once you have received conditional approval for a loan, we will set up a meeting at your nearest branch. This allows us to speak with you and get to know you as more than just a credit score.

We will discuss how you manage your money, your financial obligations and any personal circumstances you may have. This process allows us to offer loans to a wider variety of customers than lenders that just rely on automated credit scoring.

Apply Today

Responsible Lending

At Everyday Loans, our commitment to responsible lending is at the heart of everything we do. We strive to maintain a transparent and equitable environment, prioritising the needs and security of our customers. Ensuring the safety of your personal data is crucial to us, and we adhere strictly to UK GDPR and DPA standards for secure data handling.

We believe in a personalised service approach. Therefore, we arrange one-on-one meetings with every customer to discuss their loan options, clearly explaining the terms and conducting a thorough financial review. To aid your understanding of lending terms such as APR and credit score, we've prepared a simple glossary of terms. These terms are also discussed during our meeting to ensure clarity.

Life can be unpredictable, and we understand that circumstances may change. If you find difficulty in making a payment, we encourage you to inform us promptly. This allows us to provide the necessary assistance and work together to manage your loan effectively.

If you are interested in a £10,000 loan, start your application now by clicking the ‘apply now’ button at the top of the page.

Can I apply for a £10,000 loan?

Yes! You can apply for £1,000 to £15,000 with us, so if you are looking for a loan for £10,000 and your initial application is successful, we can provide you with the amount of funding you need.

How do unsecured loans work?

This type of loan does not require collateral, such as your house or car, and offers repayment terms over several months or years.

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 your online application gets approved, we'll invite you to the nearest Everyday Loans branch to complete your loan agreement. Once everything is finalised and you agree to the terms, you can expect to receive your funds within 24 to 48 hours.

What are the pros and cons of an unsecured 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 score, can I still get a £10,000 loan?

    At Everyday Loans, we're experienced in assisting individuals with less-than-perfect credit. Our team has successfully provided loans to many across the UK who have faced credit challenges.

    If you're considering a loan with us but still have questions, please feel free to get in touch with your nearest branch for more information.

    Are unsecured loans safer than secured loans?

    Unsecured loans don't require collateral, like your home or car. This means that your property isn't directly at risk if you encounter difficulties in repayment.

    However, it's crucial to remember that failing to repay any loan, including unsecured loans, can adversely affect your credit history and potentially impact your future ability to obtain credit. We recommend considering your financial situation carefully before taking out any loan.

    What can I use my loan for?

    At Everyday Loans, we offer our customers the flexibility to use their loans for a variety of purposes, with a few important exceptions:

  • Since our loans are intended for personal use, they cannot be utilised for business purposes, as we are not a business lender.
  • Borrowers are not permitted to use their loans for gambling, in accordance with our terms.
  • Additionally, it is important to note that our loans must not be used for any illegal activities.

  • As part of our responsible lending practice, we will enquire about the intended use of the loan during your application process. This is to ensure that any loan we offer is suitable, appropriate, and in line with responsible lending standards. To find out if you are eligible, we encourage you to apply today.

    FAQs about unsecured personal loans

    This section addresses the most commonly asked questions about our loans and general lending practices. Our aim is to equip you with all the necessary information, ensuring you feel secure and informed in your financial decisions.

    Should you have any queries that are not covered here, please don't hesitate to contact us. We're here to assist you in any way possible.

    • Will an unsecured personal loan affect my credit rating? More

      The simple answer is that it might, but predicting the exact impact on your credit score is challenging. Missing payments or late payments on a personal loan can negatively affect your credit rating.

      On the other hand, consistent on-time payments and adherence to the loan terms could potentially have a positive effect. Remember, several factors influence your credit score, so there's no absolute certainty about the impact of taking out a loan.

    • Can I pay back my loan early More

      Absolutely. If you would like to pay back your loan sooner than agreed, you can contact your local branch to request a settlement figure.

    • Can I apply for a loan with another person? More

      Yes, you can. We offer an option known as joint loans. This means you can apply for a loan jointly with another individual. In such cases, we consider both applicants' incomes and combined credit histories to make our lending decisions.