Borrow £12000 Loans

Compare £12000 Loans with Real Interest Rates.

Borrow £12000 loans at the best rate by comparing multiple offers from various lenders. Protect your credit score by finding a deal through LoanTube.

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  • Loan

    Borrow for 12-84 months

  • Loan

    Quick approval. Fast Payout

  • Loan

    No Collateral or Mortgage

  • Loan

    Soft Credit Check – Doesn’t harm your score

  • Loan

    Real Interest Rate

How to Borrow Cheapest £12000 Loans?

Whether you need £12000 loans in Ireland or London, the first step towards finding the cheapest personal loan is to compare various offers. Different lenders have different lending criteria. Therefore, the rate of interest that you will be offered may vary from one lender to another. By comparing the loan quotes that you receive, you are likely to find an offer that has the lowest APR.

When you submit your loan application, lenders will assess your credit profile. Depending on your credit score, income, expenses and many other significant factors, the lender will form their decisions. Remember, the lower your score, the higher the rate of interest.

Always remember to shop around and explore for personal loan quotes from multiple lenders online in the UK.

Reasons to Borrow £12000 Loans


The amount can be used for a vacation, or to cover the shortfall in your wedding. You can also use it to consolidate your debts.


Generally, these loans are unsecured. Your assets are not at risk for possession by the lender if you do not keep up with loan repayments.


You can spread the cost of repayment of £12000 loans over 7 years. Choose a repayment term that suits your budget and finances.


Borrowing a personal loan can help you improve your credit score if you repay it on time and in full. Your credit score will improve.

Things to Consider Before Borrowing £12000 Loans

£12000 loans
  • Best £12000 loans are available online. Different lenders may have different eligibility criteria for lending due to which you may get different offers from them. Pick the one that suits your budget.
  • Getting £12000 loans at a low-interest rate depends on various factors. One of the most important factors that help lenders decide the interest rate is your credit score. However, to get a loan at low APR, the primary thing that you have to do is – compare various quotes by the lenders to choose the one that costs less.
  • While borrowing a loan, the lenders may charge you an upfront fee. Beware of such lenders or credit brokers as it might be a sign of a probable scam. Choose to deal with FCA registered lenders or credit brokers only.
  • You can finance your £12000 loans over 5 years too. Or you may choose to repay it over 7 years. However, remember that the longer you take to repay the debt, the more it costs you. Therefore, stick to your budget and create a repayment plan before choosing your repayment period.

Borrow £12000 Loans from LoanTube

LoanTube is a loan comparison website that allows you to compare unsecured personal loans ranging from £1000 to £35000. You can borrow a loan depending on your creditworthiness and affordability. All the lenders we are associated with conduct a soft credit check in the initial phase to evaluate your affordability. Please note that soft credit checks do not impact your credit score and it also doesn’t leave any footprint on your credit report. However, a hard credit check is also conducted by the lender before the final approval.

These are unsecured personal loans and hence, you do not have to offer your property or asset as security. That means if you fail to repay the loan, the lender will not possess your property to recover the money you owe to them. But your credit score will be surely impacted and it will impact your borrowing experience in the future. LoanTube is the right place if you are looking for direct lenders who instantly payout £12000 loans.

Click here to fill our online loan application form. Choose the loan amount and loan term along with a few necessary details. Submit it and wait for about a few seconds only. You will get a detailed list of the loan quotes from the lenders who are willing to offer you a loan.

With us, the rate you see is the rate you get. That means we have a rate-lock system that allows the borrower to get an in-principle decision.

Why Should You Apply With Us?

Real Interest Rates

Unlike other loan comparison websites, we offer you a platform to compare the rates of personal loans on real time. That means you can now compare the loans on real interest rates rather than on proposed rates

Instant Decision

You do not have to wait for hours or days at end to know the decision of our lenders. It will hardly take a minute or two and you will receive detailed information like the lenders who have accepted your application and who have declined it.

Customer Ratings

We love our customers and so do they. A lot of our customers have appreciated our service that is simple, fast, and transparent. We believe in making the entire process less time consuming, straightforward and easy for a seamless borrowing experience.

FAQs on £12000 Loans

Below are some frequently asked questions about £12000 loans. If you do not find something, please contact us.
£12000 loans

No. If you have a good credit score, you will not need a guarantor to secure the loan. However, if you have a bad credit score, the lender may need you to arrange a co-signor.

You need to be in a permanent and paid employment. If you are unemployed, you may not be able to pass the lender’s affordability assessments. The exception is if you have other good sources of incomes like rental income and you can convince lenders that you can afford to pay the loan with those other incomes.

Your monthly repayment amount depends on the rate of interest, and term of the loan. Please note that the interest rates may vary from lender to lender. When you compare loans with us, you will get to know the exact monthly repayment as our lenders will show you all this important information for you to make a decision.

The lower the APR, the better it is. To get a loan of £12000 at low APR, you will need to have a stellar credit score. Compare different offers from various lenders to get the best rate.
No – we are a credit broker. We are licensed by the Financial Conduct Authority to match borrowers with lenders. We arrange your loan but we do not transfer you the money and you do not pay the money back to us – you do that to your lender. Moreover, to ensure the highest levels of industry practice across the board, we only work with lenders who have been inspected and given their licence by the Financial Conduct Authority.
Part us, part you! When we become partners with a lender, one of the first things they do is to send us a list of the types of borrowers they would like to work with. You might be just the type of borrower one company is looking for but another might not consider you. Our intelligent matchmaking system finds the right matching lenders for you which we show you in a list along with their Quotes/APRs. It’s you who decide which one to go with after going through the quotes and subjected conditions of all such lenders.

Yes. You’re never under any obligation to accept an offer that you receive from LoanTube. Even if we say “yes” then you turn around and tell us “no”, there’s no charge for our service.

Representative APR Example

The rate you are offered will depend on your individual circumstances.

Representative APR Example: On an assumed loan amount of £2,600.00 over 36 months. Rate of interest 41% per annum (fixed). Representative 49.7% APR. Total amount payable £4,557.89 of which £1,957.89 is interest. 35 monthly repayments of £126.61 and a final payment of £126.54