ePrivacy and GPDR Cookie Consent by Cookie Consent Long Term Loan - UK Loan Lender - Everyday Loans

Long Term Loans

We are a direct uk lender established in 2006 & specialising in helping those with less than perfect credit. You can borrow up to £15,000 from 18 months to 5 years. Apply today to see if we can help

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 £237.75 per month. Interest Payable £2,706. Total Repayable £5,706. Representative 99.9% APR.

Feefo 2022 Platinum Trusted Service

At Everyday Loans, we have many years of experience in providing long term loans. We can help people with a variety of credit scores and even If you have struggled with your credit in the past, we may be able to get you the loan you need.

We provide loans from £1,000 to £15,000 with terms from 18 months to 5 years. This allows our customers to get the money they need with an affordable repayment schedule. We also review more than just your credit history when considering a loan application. This allows us to better understand your financial needs.

If you would like to know more about our long term loans you can contact your nearest branch. If you are ready to apply for a loan immediately, you can fill out our application form and we will give you a conditional decision.

How it all works

We are a friendly local personal loan lender with branches nationwide. We are experts in dealing with credit scores of all types and offer a more personal decision. Applying with takes just a few minutes and you’ll receive an online decision if you are successful. You’ll then visit your nearest local branch to sign your agreements & meet your account manager. The whole process can be complete within 24 hours.

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

People who choose Everyday Loans as their long term lenders do so for many reasons. Some people choose us because we can work with those who have bad credit. We have even tailored our application process so we can consider a wider variety of credit types. We are experts in lending to people with less than perfect credit so don’t let any past mistakes keep you from applying.

Other people choose us because of our great customer service. We have branches all over the UK so you can always pop in if you have a question. Our loan experts will help explain your potential loan options or answer any questions you might have about the application.

Tailored Local Lending

Our local branches are our secret weapon when it comes to customer service. Each location has a team of experts 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 on a piece of paper.

We will discuss how you manage your money, your financial obligations and any unique 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.

Responsible Lending

We are committed to responsible lending practices for all the customers we serve. At Everyday Loans, we work to create an honest and fair environment that helps our clients and keeps their data secure.

To provide the best possible service, we meet with every customer to discuss their potential loan. This includes explaining the terms of the loan, as well as performing a financial assessment. All of our customer data is stored securely and processed in line with UK GDPR and DPA regulations.

We ask all of our customers to provide the most accurate information possible. We also encourage people to do some research so they understand common terms and ideas used in lending, such as APR and credit score. However, our lending experts will cover these topics during the meeting.

If a customer is approved for a loan and their situation changes, for example, they are unable to make a payment one month, we ask that they let us know. This way we can work together to arrange an alternative payment solution.

If you need a long term loan, apply today by clicking the apply now button at the top of your screen.

Understanding Long Term Loans

Before we go into the finer details, let’s cover why you might take a long term loan.

The needs for loans taken out with us vary massively, but we feel they are all legitimate and justified. While some individuals have need of short-term credit, others have plans that are well supported by an injection of credit that is repaid over a longer period, such as a year. This type of loan is a significant commitment, and responsible adults often find themselves turned down by mainstream lenders when they apply. That’s what we are here for: to help you get the loan you need, even if you’ve been refused by others.

  • Q1: What’s APR?

    APR is to do with your total repayments. It stands in full for annual percentage rate. It’s worked out using compound interest (something you can read up on in more detail here) and that makes the calculation a little more complex than, for instance, paying £2,200 on a 10% APR loan of £2,000. Fortunately, we have great advisors at our local branches who will help explain APR in your long term loan easily and clearly.

  • Q2: Can I still get a long term loan with you even if I have a poorer credit score?

    Absolutely. We’re here to consider a wider range of applications than most other lenders, and that includes people who have found it tricky to get accepted in the past. While we can’t outright guarantee you will be accepted, you’ve got much better chances for a long term loan with us.

  • Q3: Will my credit score go up when I apply for a long term loan with you?

    The only positive change to your credit score that may happen related to a loan such as ours is from successful repayments. By showing that you have paid your loan on time and as required, your credit score will benefit. Being accepted for a loan does not change your credit score.

  • Q4: Will my credit rating be negatively affected by a loan application?

    For us, it won’t. We make use of Soft Search technology which means you don’t get a mark on your record when you apply with us. Other lenders may not use this, and you should be wary of making a large number of applications in a short space of time; this can be seen as a bad thing from a lender’s perspective and may make them less likely to accept you. That’s not a problem with us.

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!