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Personal Loans

Everyday Loans is a direct personal loans lender based in Bourne End, UK. We provide loans to suit all credit types of up to £15,000. Apply today for
a quick decision.

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

Here at Everyday Loans, we believe that people are more than just a credit score. We approach each loan on a case by case basis and go into greater detail in our lending decisions. This allows us to consider more than just credit score and offer personal loans to a wider range of people.

If you need a loan to cover emergency costs, are looking for some extra cash to pay off a big expense or just need a little financial help, you can apply through our simple online form to see if we can offer conditional approval.

We offer unsecured personal loans of up to £15,000 and can provide loans from 18 to 60 months. This means we can tailor a loan to best suit your specific needs and situation. Our expert staff and local branches can also help answer any questions you may have about our loans either during or after your application.

How it all works

To apply for one of our personal long term loans, simply fill out our simple online application form. We use soft search technology, which means applying with us won’t affect your credit score if you are unsuccessful. Once you are approved you will be invited into your nearest Everyday Loans branch to sign your new loan agreements.

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

Our application process uses soft search technology, that means when you apply with us, it won’t leave a negative mark on your credit. This is especially important for anyone who is already struggling with their credit as more hard checks could potentially affect your ability to secure a loan.

We also work hard to give you the best customer service possible. We have a 4.8 out of 5 score on Feefo based on over 2000 customer reviews. That’s a lot of satisfied customers that we were able to help.

We achieved this high rating by providing a high quality personal, local customer experience. We have branches across the UK with highly trained lending staff that will work with you to ensure a simple lending process.

Tailored Local Lending

Our local branches are the backbone of our lending process. By having a face to face meeting with all our potential clients, we can put your credit history into context. During the meeting we will talk with you about how you manage your money, your financial obligations and any unique circumstances you may have. This allows us to offer loans to a wider variety of customers than lenders that just rely on automated credit scoring.

By the end of the meeting, we will have determined if we are able to provide you with a loan offer. If the loan is approved, our expert will explain the details of the offer and finalise the loan.

Responsible Lending

Everyday Loans is committed to providing you with responsible loans. We strive to be honest and fair as well as ensuring your loans and data are safe and secure.

To make sure we are adhering to our goals, you will have a meeting with a member of our staff to discuss your potential loan. During this meeting we will explain the terms of the agreement, answer any questions you have and complete a comprehensive assessment of your financial situation. All the data we collect as part of this process is stored in line with UK GDPR and DPA regulations.

During the meeting we will be asking some detailed financial questions so we recommend you review the applicable information to ensure you can provide accurate answers. We also suggest doing some research around general lender terms such as APR and credit score. Our lending expert will also be able ot answer any questions that arise.

We always ask customers to let us know if their situation changes. For example, if a customer is sick or struggling to make payments, we can work together to make alternative arrangements to help manage the loan.

If you are interested in a personal loan from Everyday Loans, you can start your application now. Simply click the “Apply Now” button at the top of your screen and fill out the application to get a conditional decision.

All you need to know about personal loans

Your personal loan may be for any of a hundred and more unique reasons, which is why we treat each and every customer of ours as individuals. The need for a personal loan can crop up unexpectedly or be part of a larger, long-term plan – we’re here to help.

Personal loan requests are made across the UK, and some potential borrowers are turned down by banks and building societies due to their credit score. That’s where we come in. Everyday Loans caters to people who have been refused personal loans in the past and are struggling with a low credit rating.

  • Q1: I’ve heard my credit score could increase after taking a personal loan. Is that true?

    Being accepted for a loan will not immediately increase your score. The potential benefit to your credit score from a loan comes from having repaid your instalments on time every time and doing so will increase it to a certain extent. You won’t see it increased just by being accepted. Your credit score is essentially a record of your reliability in making payments and repayments, and this must be demonstrated for it to improve (for instance, by repaying loans on time).

  • Q2: I’m not really clear on what APR is, can you explain more?

    APR stands for annual percentage repayment, and it’s essentially a calculation of how much you repay on a loan in total. Instead of being a straight amount (like £3,300 from 10% APR on a £3,000 loan), it is calculated using what is called compound interest. This can make calculating and understanding the APR of your personal loan a little trickier, and that’s why our local branches have skilled advisors who help break down each payment easily and in full.

  • Q3: Is Everyday Loans suitable for taking a personal loan?

    As long as you satisfy our requirements and affordability checks, absolutely. We pride ourselves on being flexible and able to support a wide range of applicants, and we are here to help you get the credit you need even if you have been refused by various banks or building societies in the past.

  • Q4: Is there any impact on my score when I make an application?

    This will vary from lender to lender; for Everyday Loans, there is no negative impact. We use Soft Search technology, which essentially means that no mark is placed on your record when an application for a loan with us is made. Other lenders may not use this and a high volume of personal loan applications in a short period could harm your credit score, making it harder to borrow from mainstream lenders. Apply with us today!

Our Process FAQs

This section is going to cover in a little more detail how a loan application works for us. While generally more lenient to support loan applications, we still have basic requirements you must meet first.

  • Q1: What are those requirements?

    You need UK citizenship, a UK bank account and current employment. That’s it. While we’ll also review your credit rating, we are a flexible loan provider and are more considering of a poor credit rating. As long as you have the above, we’ll be happy to consider a personal loan application from you.

  • Q2: Can I get extra funds on my loan?

    We do offer top-ups to your personal loan, but these are not guaranteed and generally, are only given once you have made a number of successful repayments already. Top ups are agreed by negotiation with your local branch and advisor; you can call or email them to inquire.

  • Q3: Is it fast or slow?

    Fast. We have done all we can to make our loan process quick and simple for the applicant. Once you have made your online application, a conditional approval is sent to you if successful. This is followed by your local branch arranging a meeting between you and a friendly advisor. In that meeting, you’ll go over the personal loan in full and finalise it with us. Once that’s done, we promptly release your funds and send them to your account.

  • Q4: Is Everyday Loans a direct lender?

    Based in Bourne End, Buckinghamshire, Everyday Loans is a direct lender and provider of personal loans.