Unsecured Personal Loans
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Fulfil your life goals with LoanTube – compare real rate personal loans that resonate with your needs and circumstances on your terms!
1.
Tell us how much you need, for how long, and for what purpose.
2.
We find you the loan offers you qualify for from multiple lenders.
3.
Select the loan that best matches your circumstances, and Get Funded.
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Personal loan calculator
What is the purpose of your loan ?How much do you wish to borrow?
What repayment term would you like to choose ?
Representative Example
Loan Amount
£2,600
Loan Term
3 Years
Total repayment
£4,559.66
Monthly repayment
£126.66
RAPR
49.7%
Interest
41% p.a (fixed)
*The rate you get will depend on your individual, financial circumstances. Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK.
The right mix of ease and versatility
Your Launchpad will reach the following life stages – personal loans to back all your needs.
Personal finance options that you could pursue
Personal Loans
- Collateral-free personal loans for your every need
- Customisable loan terms
- Affordable monthly repayments
- Repayment failure could lead to credit score damage
Secured Loans
- Loans for homeowners with collateral security – mortgage refinance, HELOC, Home equity loans
- Customisable loan terms
- Affordable monthly repayments
- Failure to repay could cost you your home (collateralised asset)
Credit Cards
- Collateral-free, revolving credit that you can use when required
- You only pay interest on the amount you used
- High interest rates after the expiry of the interest-free period
- Failing to repay could harm your credit score and you could incur a hefty interest.
Your life is your story – give it a happy ending with LoanTube
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Real APRs
Loans with confirmed APRs and monthly repayments
Personalised Offers
Deals tailored to your needs and your circumstances
Streamlined process
One quick form to ease your financial burden
Instant decision
Blazing fast results in under 1 minute
Zero upfront fee
A passion for helping you find the right financial aid.
Diversified lending panel
Multiple lenders to meet all financial needs.
Qualifying for personal loans: How to improve your chances?
Boost your success rate while applying for personal loans:
Borrow a reasonable loan amount
Dispute errors in your credit report
Ensure that you pay your bills on time
Maintain a low Debt-to-Income ratio
Unlink your financial accounts from a low credit partner
Register yourself on the electoral roll
Manage your personal loan repayments effortlessly!
Set out with a budget
Stay in tune with your finances and avoid overspending with a budget. Track your income and expenses to maximize your savings.
Use Direct Debit
Get your payments automatically deducted from your bank account using the direct debit facility, to ensure timely repayments.
Consolidate your loans
Organise your finances by consolidating your debts and uncluttering your repayment schedule.
Refinance your personal loan
Refinance your loan with a new, potentially low-interest personal loan and get the freedom to change your loan term.
Check if early repayment is a viable option
Repaying your personal loan earlier can be a great way to save on interest but is it a viable option? Check if your lender imposes a charge on early repayment before paying off your loan.
FAQ'S
What credit score do I need to qualify for a personal loan?
Different credit bureaus have other scoring models for credit scores, and different lenders require different credit scores too. So, there’s no tangible value for the ‘right’ credit score. Still, it would be best to maintain a score above 670 or above to qualify for unsecured personal loans.
Can I qualify for a personal loan if I’m self-employed?
You may be able to qualify for a personal loan if you’re self-employed, as long as you’re able to provide proof of stable income. Since income levels for self-employed people are subject to fluctuation, you could try for a business loan, secured loan, or guarantor loan to improve your chances.
What to do if my loan application gets rejected?
If your application gets declined by a lender, the best course of action would be to:
- Check the reason behind your rejection
- Fix solvable issues immediately
- Wait for a few weeks before applying again
- Apply with a guarantor to strengthen your application
Can a personal loan help me build my credit score?
If used responsibly, unsecured personal loans can help you build and improve your credit score. Each timely repayment contributes towards the growth of your credit score. Make continual repayments within your schedule. You will be able to fulfil your credit score goals with an unsecured personal loan.
What happens if I fail to repay my personal loan?
Suppose you fail to abide by the repayment schedule for your unsecured personal loan. In that case, it could gravely impact your credit score. Plus, if you consistently miss payments and default, the lender may get a CCJ issued in your name – affecting your chances of securing credit in the future. Thus, it is crucial to use credit responsibly.
Is there a way to refinance my personal loan?
Suppose you’re looking for a new personal loan with a lower interest rate or higher loan amount. In that case, you could look into a debt consolidation loan or loan refinancing. Refinancing your personal loan will enable you to explore more competitive offers in the market.
Should I cosign a personal loan?
Cosigning a personal loan with someone could be a huge responsibility. You must ensure that your partner exhibits responsible behaviour with credit. Having an honest conversation about your finances with one another could be a reassuring practice.
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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
Warning: Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK
Credit subject to status & affordability assessment by Lenders.
LoanTube is a credit broker and not a lender.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.