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Unsecured Personal Loans

your ultimate one-stop-shop for unsecured personal loans in UK

LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.
LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.

Your loan requirements

Comparing won’t affect your credit score.

LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident. Representative 79.5% APR

Rate-locked offers

Collateral-free loans

100% Transparent

Credit score protection

3 steps is all it takes!

A financial blip should be a bump in the road, not a hitch in your journey.

Fulfil your life goals with LoanTube – compare real rate personal loans that resonate with your needs and circumstances on your terms!


Tell us how much you need, for how long, and for what purpose.


We find you the loan offers you qualify for from multiple lenders.


Select the loan that best matches your circumstances, and Get Funded.

We've partnered with the best in the business

Offers from highly reputed FCA – certified lenders to help with your financial needs
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Educated guesses aren’t good enough

Crunching numbers was never this easy – check your affordability at the click of a button.

Secure your future by making an informed financial decision.

Calculate monthly payments

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


Loan Term

18 Months

Total repayment


Monthly repayment





59.97% 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 moneyhelper.org.uk.

The right mix of ease and versatility

Your Launchpad will reach the following life stages – personal loans to back all your needs.

Venture out in your dream car with

Car Loans

Accomplish the bigger goals with

Long Term Loans

Fight off a cash crunch with

Small Personal Loans

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

We treasure you and the promises you make – let’s find a way to make it happen!

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.


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 personal loans 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.

Valued Customers With Valuable Feedback

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-Matt Thiele
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Very helpful customer service and follow up care. Quick and effecient and represent good legitimate companies. Would use them again.
-Elijah Kamara
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I am so pleased, within a few hours my loan was approved, and I received the loan in my account that great.
-Donovan Hay
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This website was very helpful and I really appreciate your time thanks for your support merry Christmas to you all.
-Laura Treimane-Freimane
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Very fast, very nice. Will make sure that you get money. Perfect thanks
-Maria Sousa
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Simple application online. Good value for money.
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Pledge of Integrity

We do not sell your data, unsolicited, with any third party firms. Find your match with LoanTube without risking your data – Apply for home improvement loans with confidence.

Representative APR Example

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

Representative APR Example: On an assumed loan amount of £1,000 over 18 months. Rate of interest 59.97% per annum (fixed). Representative 79.5% APR. Total amount payable £1,554.10 of which £554.10 is interest. 17 equal monthly repayments of £86.09, and the final month’s payment of £90.57.

Some of the offered loans might be classed as High Cost Short Term Loans. APR rate starts from 18.22%. The maximum APR rate is 1721%, but you will get a personalised rate tailored to you. The minimum repayment term is 3 months, the maximum repayment term is 7 years. The minimum loan amount is £250 and the maximum loan amount is £35000.

Warning: Late repayment can cause you serious money problems. For more information, go to moneyhelper.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.

Not all borrowers will qualify for a loan. The operator of this website does not engage in any direct consumer lending, we simply provide you a FREE loan brokering service. This means LoanTube does not charge customers a fee for using its introducer services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with them following an introduction by LoanTube.

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