Over 25 lenders across the UK
Choice – 100s of loans
Speedy – response in seconds
Compare – see your matches
Personal or secured?
Personal Loan
- Ideal for non-homeowners
- Smaller loan amounts
- Shorter repayment periods
Secured Loan
- Larger loan amounts
- Longer repayment periods
- Secured against your home
Intelligent Lending Ltd is a credit broker not a lender. Secured loans are secured against your home. Your home is at risk if you don’t keep up repayments.
Personal loans: We search our panel of lenders to find you a loan. The APR you are offered will depend on your individual circumstances. 44.82% APR representative.
Secured loans: We arrange secured loans from a panel of lenders. We receive commission upon completion. Any quote is inclusive of the Broker Fee and all associated costs which is calculated as 12% of the net loan amount, capped at a maximum of £4,995. Loans are subject to status, and the rate you are offered may change based on your individual circumstances. 12.1% APRC representative.
'Superb professional advice'
I have now been able to consolidate and get my outgoings back on track. Mr Reynolds
'Excellent service and highly recommend'
Absolutely no pressure and everything was done for you. Trusted customer
'Great consultative approach with the client’s best interests in mind'
People that are always keen to make your life easier and to work with you. Trusted customer
Mr & Mrs Smith reduced outgoings by £712 per month
With a secured loan they got:
- All credit commitments consolidated into one
- One affordable monthly payment
Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.
Customer names have been changed to protect their confidentiality. Average reduction in outgoings of more than £700 per month for customers taking a loan for debt consolidation in the last 12 months.
A loan for every purpose
Here's just a few ways you could use your loan:
- Debt consolidation
- Home improvements
- Other large purchases
Here to help
- Loans for all situations
- We could help, even if you've been refused elsewhere
- Compare personal and secured options together
Personal loans - Representative example: If you borrow £2,000 over 24 months at an annual interest rate of 44.82% (fixed), Representative 44.82% APR, you would pay £119.81 per month. The total amount repayable will be £2,875.44 Rates from 9.6% to 99.9% APR, which allows us to help customers with a range of credit profiles.
Secured loans - Representative Example: If you borrow £20,000 over 7 years, initially on a fixed rate for 5 years at 6.718% and for the remaining 2 years on the Lender's standard variable rate of 10.338%, you would make 60 monthly payments of £343.89 and 24 monthly payments of £356.65. The total amount of credit is £22,995 (this includes a Lender Fee of £595 and a Broker Fee of £2,400). The total repayable would be £29,288 (this includes a Lender Exit Fee of £95). The overall cost for comparison is 12.1% APRC representative. This means 51% or more of customers receive this rate or better. Repayment terms between 3 and 30 years.
Common questions
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.