Long-Term Personal Loans

Long-term solutions for the smallest of your needs. Flexible loan terms of up to 7 years with LoanTube.

Loans from £1000 to £35,000

Borrow for 3 to 7 Years

Loans for homeowners and tenants

Big loans to finance your bigger dreams

How do long term loans work?

Long-term loans are personal loans that you can borrow over a typically longer repayment term – usually more than 2 years. Most people sought to long term loans when they’re looking to borrow a significant amount of money over smaller monthly instalments – given that the repayment term is lengthy.

Finance your big budget venture with a long-term loan from LoanTube and split the expense across affordable monthly instalments. Compare offers with real interest rates from verified lenders and find your ideal loan with LoanTube.

What are the benefits of borrowing a long-term personal loan?

Here’s why a long-term personal loan is easier to manage:

• Borrow a more significant sum of money: With long-term loans, you can borrow a much more considerable amount of money. So if you need to finance a home improvement project or a new car but do not have adequate funds, a long-term loan might be a good choice.

• Competitive interest rates: With a decent credit history, you might qualify for competitive interest rates on a long-term loan. But remember that keeping the loan term long will accrue you interest for a longer time, resulting in a higher amount of interest payments.

• Affordable instalments: Long-term loans have smaller monthly instalments because they are spread over a more extended period. As a result, repayments are more manageable.

• Repayment flexibility: The repayment period is not usually subject to lenders’ hard and fast rules. You can choose a repayment schedule convenient for you as a borrower.

What to consider before borrowing a long-term loan?

Handling a long-term loan can be a big responsibility. It is crucial to sincerely keep up with the loan’s repayments until it’s been paid off. If you’re seeking more clarity about your borrowing decision, ask yourself these questions:

• Is this a suitable loan amount for me?
Your first and foremost step should be to evaluate your affordability. Borrow only what you can afford to repay within the repayment period you choose.

• Will I be able to commit to the loan term?
Long-term loans are all about dedication and sincerity since you’ll have to commit to the loan for 3-7 years. Assess whether you’ll be able to make all the repayments during the entire loan term.

It would be best to consider accrued interest for the entire loan duration. And thus, you may end up paying more towards interest when you borrow a long-term loan.

• Do I need a contingency plan for repayments?
Life is full of surprises, and we should always prepare for them. When committing to a loan with a longer term, it is imperative to plan. You can protect your credit rating by being consistent with your loan payments. To avoid defaulting on your loans, you should always have a contingency plan.

• What is the purpose of a long-term loan?
A long-term loan is excellent for:

• Home improvements

• Debt consolidation

• Unplanned medical expenses

• Wedding expenses

• Investing in business equipment

What happens if I miss a payment?

A missed payment may cause your credit score to plummet by a few points. A CCJ may serve you if you consistently fail to make payments or default on your loan. If you have a CCJ, getting credit for your future goals might prove difficult. For this reason, managing your repayments and maintaining a healthy credit score is vital.

How much can I borrow with a long-term loan?

Crunching numbers was never this easy – check your affordability at the click of a button. Secure your future by making an informed financial decision.

Long term 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


Loan Term

3 Years

Total repayment


Monthly repayment





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.

Apply for a Long term loan with LoanTube

Step 1

Tell us how much and for how long you intend to borrow.

Step 2

Tell us a bit about yourself.

Step 3

Compare loan offers and choose the best deal.

Why choose LoanTube?

You can’t put a price on happiness, but it doesn’t have to burn a hole in your pocket.

We've partnered with the best in the business

Offers from highly reputed FCA – certified lenders to help with your financial needs
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.


Does LoanTube charge any fees on long-term personal loans?

With LoanTube, you will never have to pay any upfront fees. Sit back, relax and enjoy transparent and hassle-free borrowing from the comfort of your home!

Can I repay my long-term personal loan early?

Taking the time to analyse your contract will let you know whether or not there are any settlement fees if you plan on repaying your loan early. As long as your lender does not charge you an early repayment fee, you can quickly pay off your loan before the end of the repayment term.

Do I need a guarantor to borrow a long-term loan?

Having a guarantor on your side could be helpful if your credit score is low. If you have a guarantor to co-sign your loan application, both parties take responsibility for the loan’s obligations together. Using a creditworthy guarantor will improve the chances of approval.

What is the maximum amount that I can borrow through LoanTube?

With LoanTube, you can borrow up to £35,000 over 12-84 months.

Valued Customers With Valuable Feedback

Feedbacks from our happy users. Become one of them.
Pledge of Integrity

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.

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.

By continuing to use our website, you agree to accept our cookies policy