ePrivacy and GPDR Cookie Consent by Cookie Consent Loans for £3,000 – 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 £3,000

We pride ourselves on our tailored approach to personal lending. You can apply to borrow £3,000 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 2006, we've been providing personal unsecured loans to customers throughout the UK, especially those who've faced credit difficulties in the past.

We're pleased to offer loan amounts ranging from £1,000 to £15,000, with repayment terms spanning from 18 months to 5 years. We consider more than just your credit history; we consider your current financial situation and personal goals.

If you're in search of a £3,000 loan, please complete our brief online application form, and we'll provide you with a conditional decision tailored to your circumstances.

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How it all works

We're a friendly local lender, providing a personal lending experience for people with different credit scores. Our application form only takes a few minutes to fill out. If you're conditionally approved, you can visit your nearest branch to discuss your loan options and meet one of our friendly team who will guide you through the rest of the process. We aim to complete everything 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 uses soft search technology, so applying for a loan with us won't impact your credit visibility to other lenders. A more detailed hard search only happens when you make a full application.
  • We specialise in loans for people with less-than-perfect credit histories. To apply, you must be over 18, a UK resident, and able to afford the repayments.
  • We're a direct lender, not a broker and there are no application fees when you apply with us. After you apply, you'll get 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%

Our commitment to a personal approach is a cornerstone of our service. We provide the opportunity for face-to-face discussions, allowing you to address any queries directly with our friendly team. With branches located across the UK, we ensure that you have a clear understanding and complete comfort with the loan terms and financial agreements.

Tailored Local Lending

At Everyday Loans, our local branches play a vital role in delivering outstanding customer service. Each branch is equipped with dedicated professionals who are ready to assist you. Once you've received conditional approval for your loan, we'll schedule a meeting at your nearest branch.

This face-to-face interaction allows us to gain insight into your financial and individual circumstances. We believe in seeing you as more than just a credit score. This personal approach enables us to extend loans to a wider range of customers, going beyond the limitations of automated credit scoring systems.

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Responsible Lending

We are committed to responsible lending, always striving to provide clear and straightforward assistance to our customers. Our top priority is the security of your personal information, and we fully adhere to the UK's GDPR and Data Protection regulations.

We take a personal approach by meeting with each customer individually to discuss their loan options in detail. This allows us to gain a better understanding of your financial situation and provide a loan that suits your needs. Additionally, we offer a simple guide to explain essential financial terms, such as APR, ensuring clarity in every aspect.

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

If you're considering a £3,000 loan, click the 'apply now' button to begin the application process.

Can I get a £3,000 Loan?

Our expertise lies in helping individuals with a wide range of credit histories, providing unsecured personal loans with amounts ranging from £1,000 to £15,000. As such, you can apply for a £3,000 loan with repayment options spanning from 18 months to 5 years. If you meet our eligibility requirements and your application is approved, you could potentially secure a £3,000 loan with us.

How do unsecured loans work?

We offer unsecured loans, which means you don't need to risk assets like your home or car as collateral. These loans provide repayment plans that span over several months or even years.

When you apply, you can select a loan amount that suits your needs, ranging from £1,000 to £15,000 along with the ideal duration of the loan. We'll ask for some information such as your contact details, income details, along with the purpose of the loan. We use this information to help us form an initial decision on your application before passing your details to your local Everyday Loans branch. Our online application process is straightforward, and we use a 'soft search' on your credit file ensuring it won't harm your credit score if your application isn't successful. You can read more about “Soft Search” & “Hard Search” credit checks in our glossary page.

If your online application receives conditional approval, we'll invite you to your nearest branch to discuss your situation in more detail and complete your loan agreement. Once everything is finalised, and you're comfortable with the terms, you can expect to receive your funds 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 £3,000 loan?

    Having a bad credit history doesn’t necessarily mean that you won’t be able to get a loan. We focus on assisting individuals with credit histories that may not be perfect. We have a solid history of offering loans to people all across the UK who have faced credit challenges in the past.

    If you're thinking about applying for a loan with us, please complete our online application or get in touch with your nearest branch for more information.

    Are unsecured loans safer than secured loans?

    Unsecured loans don't ask for collateral like your home or car, so your assets are not at immediate risk if you struggle with repayments.

    Nevertheless, it's crucial to remember that failing to repay any loan, even unsecured ones, can harm your credit history and potentially influence your ability to access credit in the future. We recommend evaluating your financial circumstances before proceeding with any loan.

    What can I use my loan for?

    At Everyday Loans, we provide you with the flexibility to use your loans for a range of purposes, but there are important guidelines to follow:

  • Our loans are exclusively designed for personal use, so they cannot be used for business purposes, as we are not a business lender.
  • Using the loan for gambling is strictly prohibited as per our terms.
  • Lastly, it's vital to understand that our loans must never be used for any illegal activities.

  • As part of our responsible lending practice, we will inquire about the intended use of the loan during your application process. This ensures that any loan we offer is suitable, appropriate, and aligned with responsible lending standards. Feel free to apply today to determine your eligibility.

    FAQs about unsecured personal loans

    In this section, we address the most common questions people have about our loans and the lending process in general. Our objective is to provide you with comprehensive information, empowering you to make informed financial decisions.

    If you have any questions that are not covered here, please do not hesitate to contact us. We are here to assist you in any way we can.

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

      The straightforward answer is that it might, but predicting the exact impact on your credit score can be challenging. Missing payments or making late payments on a personal loan can potentially have a negative impact on your credit rating.

      On the other hand, consistently making on-time payments and adhering to the loan terms could potentially have a positive effect. Keep in mind that your credit score is influenced by various factors, so the impact of obtaining a loan is not guaranteed.

    • Can I pay back my loan early More

      Certainly, you can. If you would like to settle your loan early you can request a settlement figure at any time.

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

      Yes! We offer an option known as a joint loan. This means you can apply for a loan together with another person. In such cases, we consider both applicants' incomes and their combined credit histories when making lending decisions.