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Loans for Couples

If you have been refused credit by your bank or a high street lender,
don't worry, there are still options for you.

How much would you like to borrow?

Our quotes won't affect your credit score

£

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 £238 per month. Interest Payable £2,706. Total Repayable £5,706. Representative 99.9% APR.

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If you are looking for a loan together with your partner, Everyday Loans may be able to assist you. Our loans allow you to apply together so we can consider the credit of both applicants rather than just one. This means you may be able to borrow more money or borrow at a better rate depending on your credit situation.

Our loans for couples range from £1,000 to £15,000 over 18 to 60 months. Due to our tailored lending process, we can often help people with bad credit or no credit. Our online application process also uses soft search technology, so applying for a loan will not leave a negative mark on your credit history.

Our loans can also be used for a variety of things including buying a car, paying bills, making home repairs or covering other expenses. To find out if you are eligible, simply apply today to get an initial decision.

How it all works

With Everyday Loans, you're more than just your credit score. Here at everyday we look at your credit future, not just your credit history. As such even if you have bad credit now or you've had a poor credit score in the past, we may be able to help.

There are 3 simple steps to taking out an everyday loans loan. All of our loans are subject to status and affordability.

  • Step 1

    Step 1

    Complete our short
    application form

  • Step 2

    Step 2

    Get an initial decision
    in minutes

  • Step 3

    Step 3

    Pop into your local branch
    to complete your loan

Why choose everyday loans?

  • Applying with us won't affect your credit score. We use Soft Searching Technology which means even if you're unsuccessful; it won't go against your credit file.
  • We offer loans to those with a less than perfect credit score. You'll need to be over 18, a UK resident and be able to afford repayments.
  • We're a direct lender not a broker. We'll NEVER charge you a fee to consider your application.
  • We'll give you a conditional decision in just minutes.
  • You can borrow from £1,000 up to £15,000 over a minimum term of 18 months up to 60 months, for almost any purpose. Loans not for business, gambling or illegal purposes. Maximum APR 299.8%
Start Your Application

Couples applying for a loan together may have a better chance of getting the money they need when compared to applying alone. This is because there are two people who are responsible for payments.

Applying jointly can also help if one or both applicants have bad credit. This is because we can consider both incomes and credit scores when we do our affordability checks.

To see if you are eligible for one of our loans as a couple, fill out our application using the button at the top of your screen. If you get a conditional approval, we will set up a face to face meeting at your local Everyday Loans branch.

Tailored Local Lending

The staff at all of our branches are dedicated to providing the best customer experience which is why we have such great reviews. If you are invited to a face to face meeting we will look at more than just your credit history. We can take into account how you manage money, your financial obligations and your unique circumstances. This allows us to offer loans to a wider variety of customers than lenders that just rely on automated credit scoring.

In the meeting, we will determine if we can provide you with a final loan offer. If so, our expert will explain the specifics of the loan and fill out the necessary paperwork.

Responsible Lending

Everyday Loans adheres to responsible lending practices. We work to be honest and fair with every potential customer while also ensuring that their data is stored securely.

We meet with all of our customers face to face as part of our effort to lend responsibly. This allows us to explain the terms of the loan agreement and complete a full financial assessment of each client. All of our customer data is stored securely and processed in line with UK GDPR and DPA regulations.

We request that our customers provide the most accurate information they can during their application process. We also suggest people do some research so they understand common terms and ideas used in lending, such as APR and credit score. However, our lending experts will walk them through these topics during the loan meeting.

If, during the course of their loan, a customer's financial situation changes, we request they let us know. For example, if someone lost their job and was unable to make their monthly payments. In cases like this, we can work together to find alternative arrangements for paying a loan.

If you would like to apply for a loan as a couple, simply click the apply now button. Then fill out the required information to get an initial decision.

What to know about loans for couples

Taking a loan as a couple can be an effective means of purchasing big ticket items like a new car, or generally preparing for a shift in your circumstances, such as moving house together.

Sometimes, our applicants have been refused loans elsewhere due to their credit score. At Everyday Loans, we are here to help, and our loan product is specifically designed for those with bad, or little, credit history – you are more than just your credit score to us!

  • Q1: What does borrowing as a couple look like?

    A loan for couples follows the same process as a loan for an individual, except the loan offer is made based on the information and credit scores of two people who live together. Instead of an individual applying, your details are considered together as one. This can be a benefit if, for instance, one person has had financial difficulties in the past. We get to know all of our customers individually, and one of our lending experts will be able to provide options that are best for the both of you and your shared circumstances.

  • Q2: We don’t know what you mean by an APR. Please explain?

    APR is the total amount of money that a person will be repaying when they take out a loan of any kind. APR stands for annual percentage repayment, and as it’s worked out using compound interest instead of a flat percentage it can be a little confusing to understand at first. We want to make sure that anyone who takes a loan out with us is fully informed, so we make sure you get the zero-jargon rundown of the APR of your loan when you speak to one of our advisors in-branch.

  • Q3: Is our record marked in any way when we apply?

    This depends on the lender you choose to go with for your couple’s loan. With Everyday Loans, it doesn’t. This is because of the Soft Search technology we make use of in our application process. With other lenders, this may not be the case and repeated applications for credit can harm your credit score. This can have consequences, as some lenders might not be able to lend to you if your score is low. At Everyday Loans, this is what we do – we’re here to help.

  • Q4: Can we get a boost to my credit rating by being accepted for a loan?

    Many think that this is the case, but it isn’t quite correct. You can eventually see a boost to your rating, but it is not as a result of just being accepted. If you make all your repayments for your loan on time and you pay the amounts in full each time, you may see an increase to your credit rating, but there is no immediate benefit to your credit rating when taking out a loan.

Our Process FAQs

Looking to learn more about Everyday Loans and our loans process? Here’s more information on how you can apply for a loan with us. It’s always worth remembering that our process is designed to be simple and straightforward, with the support of a customer account manager who provides you with the information you need.

  • Q1: Can you tell me what’s required for a loan to be approved?

    You need to be a UK resident, over 18 and have a bank account within the UK. Beyond that, we require that you’re employed. You may choose to apply for a loan, particularly for purposes such as consolidating debt, home improvements and more. As a responsible lender, we carry out a creditworthiness assessment . This means that we try to understand your financial circumstance to ensure that you only borrow what you can repay. If you meet the requirements, you can make an application now without damaging your credit score thanks to our soft search technology – you won’t get a mark on your credit file.

  • Q2: Can you confirm if Everyday Loans is a direct lender?

    Absolutely – we are! Our physical headquarters are located in lovely Bourne End (in Buckinghamshire). We specialise in helping people with poor or bad credit.

  • Q3: Is it a long process to get a loan with you?

    Our process is simple, easy and efficient. If your application is initially successful, you’ll receive a conditional approval. After this, we send your details over to your local branch and arrange a time for a meeting with our friendly advisor who will complete the loan for you. It’s a simple process and the money can be with you shortly after your meeting is complete.

  • Q4: Are your loan quotes flexible ?

    Indeed, they are! Whilst your loan term and monthly payment is fixed once the loan is booked, the loan options we can provide span anything from 18 – 60 months, we can lend from £1,000 - £15,000 and everything in between. Apply today to review your options!