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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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Suffering from the reality of a poor credit score? It happens to many adults across the country. If you have bad credit and it is making it difficult for you to get a loan, then you might wish to consider an unsecured loan for couples. It’s an option available to you that is slightly different from our usual individual loans process.

We are here to help secure you the finance you need on terms to suit you. Everyday Loans can offer long term loans ranging from £1000 to £15000, helping you receive the funds you need to stay ahead and to invest in what matters most to you and your partner.

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%
Start Your Application

If you have a partner that is happy to apply with you, our loans for couples might be available to you when other lenders would decline you due to bad credit scores.

At Everyday Loans, we want you to be fully informed of your decision on taking a loan. Taking a loan as a couple – even if you have bad credit – is a great option to consider. You’re essentially stronger together in your application, making it a unique proposition with its own benefits.

There are certain advantages to applying for a joint loan. Firstly, we will assess the application based on both of your credit scores, so the combined score can be stronger than the individual. That’s a big benefit if your individual scores might leave you unable to be accepted by us or other lenders.

Secondly, we will also take both your incomes into account. This will help you with your affordability for the loan; if your incomes are uneven or insufficient individually for a loan that meets your needs, your combined amount could meet the requirements for the finance you need.

There’s an important difference to be aware of in your application as a couple with Everyday Loans. If you do take a loan for couples, then both you and your partner will have to sign the credit agreement together. This means that keeping up with repayments is the responsibility of both parties.

If you stop paying the loan before it is fully repaid, then both your credit records will be damaged by any non-payment. Sharing this responsibility is an important consideration for taking your loan as a couple. While applying together may make your loan more accessible, we always encourage you to make a fully informed decision when it comes to money.

If your application is accepted, your loan could be the boost you need financially to meet your payment obligations and to build a brighter future together as a couple. If you wish to make an application for a joint loan with a partner, please call your local branch.

What to know about loans for couples

Many couples across the UK choose Everyday Loans for access to the credit they need to get ahead in their lives. Taking a loan as a couple has distinct advantages to it in many situations, and can be an effective means of purchasing important things like a house or vehicle, or generally preparing for a shift in life, such as welcoming a new member of the family.

It’s not uncommon for couples to be refused loans due to their credit score. That’s why we are here to help, with a little more leniency to such adults than other lenders.

  • Q1: Describe to us what a couple’s loan specifically is?

    A couple’s loan is one that 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 difficulty with their credit score in particular.

  • 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 couple’s 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 you should be careful of making the mistake of putting in lots of applications in a short space of time. This can indicate unreliability as far as a lender is concerned, and it often makes them more cautious when considering your application to them.

  • 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 when the couple’s loan is concluded. Issues with repayment, however, may damage your credit rating.

Our Process FAQs

As promised, we’re going to go over the most frequently asked questions here!

  • Q1: I’m concerned about how long a loan might take. Is yours fast?

    We know that a couple’s loan is often legitimately urgent, and we do what we can to make our service speedy and simple. When you make your online application you’ll (if successful) receive a conditional approval. This means that we don’t see any immediate issues with your request and are happy to take it further. This is followed by a friendly meeting at a branch that’s conveniently close by to you. That’s when you’ll have a chat with a member of the team who will take you through the details and complete the process. After that, we send the funds to your account promptly.

  • Q2: Do Everyday Loans have specific requirements when applying?

    We do, but they’re not too demanding. We know you’ll likely have a below average credit rating when making your application with us, so the main things we need to see from you are the following: UK citizenship, a UK bank account and current employment.

  • Q3: If we need to get a little more out of our couple’s loan, can we?

    We offer additions or top-ups to your loan, but we can’t guarantee that this will be available to you. It depends on how you’ve been doing with your repayments so far, and the best way to request this is to get in touch with a branch member of the branch you signed your loan with. They can talk you through the situation and options there.

  • Q4: I’d like to confirm that Everyday Loans is a direct lender. Is this true?

    We are, with the company having its headquarters located in Buckinghamshire. The building itself is in the town of Bourne End – a lovely place!