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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 2021 Platinum Trusted Service

We specialise in long term loans for those with less than perfect credit scores.

Life can be full of surprises where money is concerned. Your decision to apply for funding to achieve your goals is a critical one and is a resolution that the team at Everyday Loans are here to help with. By filling your online application, you can make a request for money repaid over a period to suit you.

Your Loan Could Be Approved Today

Need a loan fast? We’re here to help. For years, we’ve been privileged to offer competitive funding for citizens in need. Everyday Loans understands that money matters most and that time is crucial. Our friendly, expert support helps you secure your loan quickly and will happily answer any questions you may have.

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 instant online approval 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%
Start Your Application

Three Special Benefits of Long Term Loans

You have many loan options available in the modern world. We’re confident your Everyday Loans long term option is the one for you; let’s look at why. By reviewing these not so well-known advantages, the benefits of a long term loan will become clearer, helping you to make an informed decision quickly.

Your credit could improve. As a responsible adult, your financial maturity is shown through making payments over time. With a long term loan, you will demonstrate that you are able to prove your responsibility through making payments over a longer period than a short-term loan. As long as you don’t miss payments and complete your loan on time, your credit rating could improve.

Your individual repayments are smaller. Spreading the cost of your loan is beneficial, leaving you more of your regular income available for saving and investing in a healthy, happy life. With a long term loan, your repayments will be smaller and easier to manage.

You may be able to have a larger loan. With your repayments being smaller, you have more freedom in requesting a larger loan to meet your requirements. A loan that is spread over a longer period allows you to consider an amount that will fully stabilise your finances in addition to being easier to manage.

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

We’ve gathered here answers to common questions to do with a long term loan. For our service at Everyday Loans, we’ve made it a priority that our loan application process – and the speed in which you get your funds if accepted – is fast and easy.

  • Q1: Can you tell me the requirements for a long term loan from you?

    We’re more lenient than other lenders like a building society. We need to see evidence that you are a UK resident, have employment and have a UK bank account. With these, you can apply online.

  • Q2: Is it possible to top up my loan?

    On a case by case basis, we can help with a loan top up. This is dependent on how you’ve been doing with your repayments so far; we need to see evidence of successful and reliable repayments to consider a top up. These can be requested through your local branch and advisor. For a long term loan, we likely can help over time.

  • Q3: Is it slow to get a loan with Everyday Loans?

    We’ve smoothed out our process to make it as fast as we practically can. If accepted initially online, we’ll send you a conditional approval and an invitation to come to your local branch in person to finalise your long term loan with a friendly advisor. They’ll break down the process and fees without the jargon – again, we want to make it easy!

  • Q4: Are Everyday Loans direct lenders?

    We are. Everyday Loans has its HQ located in Buckinghamshire – the town of Bourne End to be precise. We’re here to help!

We do not charge any fees.

Everyday Loans is a trading style of Everyday Lending Limited (Company registration no. 5850869, England & Wales).

Registered Office and Trading Address: 1st Floor North, 2 Dukes Meadow, Bourne End, Buckinghamshire, SL8 5XF.

Everyday Lending Limited (Firm Reference No. 724445) is authorised and regulated by the Financial Conduct Authority.

Everyday Lending Limited is a member of the Finance and Leasing Association and as a member, we follow its Lending Code.