To apply for a £5,000 loan through us, you need to:

• Be aged 18 years or older
• Have been a resident in the UK for at least three years.

Your eligibility also depends on things like your:

• Credit score and credit history
• Employment status
• Income and outgoings
• Credit utilisation (the percentage of available credit that you’re using)

You can get a quote in minutes online.

How quickly you receive your loan depends on a few factors, such as:

• The lender
• The type of loan
• Whether the lender asks to see your documents.

For exact timescales, check with the lender. As a rough guide, once approved, your personal loan could arrive in your bank account anywhere between a few hours to two weeks. Secured loans can take a bit longer - usually around three to four weeks.

You can use our loan calculator to estimate your monthly repayments, before you apply.

The amount you pay each month on a £5,000 loan will depend on how long you take the loan out for and the interest rate.

Make sure you can afford the repayments, so you don’t overstretch yourself. Although a longer loan term may mean lower monthly repayments, you could end up paying more in total, due to interest.

If your financial situation improves in the future, you may wish to pay off your loan early. You should be able to do so, but look out for any early repayment charges.

Both secured loans and unsecured loans are available, though most £5,000 loans tend to be unsecured (i.e., not tied to an asset).

We can search for both types of loan, depending on your individual circumstances. Remember, you must be a homeowner to get a secured loan.

Yes, you can get a loan without a guarantor (someone who agrees to cover any missed payments) - as long as you meet the lender’s eligibility criteria.

If you have bad credit, don’t worry, we can search our panel of lenders to find a bad credit loan, without the need for a guarantor.

If you’re not eligible for a £5,000 loan or you can’t make the repayments, you could consider applying for a smaller loan.