Personal Loan

Starting APR 2.7%

If Proper Finance approves your application, money deposited into your account straight away. You can repay the loan with easy monthly installment plans and up to 7 years of terms. Even earlier with prepayment, until it’s all cleared.

The amount you can borrow will depend on your monthly income, credit history, and outstanding debt. Personal loan companies will carry out affordability checks to match the amount you wish to borrow and what you can afford to repay, allowing you to borrow a sum without falling into financial difficulty.

The highest borrowing facilities will be available to those with higher incomes, strong credit histories, and good affordability.

The representative APR for a personal loan can range from 2.7% to 6.7% – with the lowest amounts reserved for the best credit scores and the longer the loan term. It is noted that the representative APR advertised is available to 51% of successful applicants and the rate you receive may vary slightly.

  • Annual Percentage Rate (APR) 2.7% - 6.7%
  • Borrowing Amount £1000 - £35000
  • Maximum Loan Term upto 7 years
  • Minimum Annual Income 15000
  • Loan Types Fixed Rate, Long Term, Low Interest, Unsecured


  • I am over 18 years of age
  • My income is over £15,000 per annum
  • I have a good credit history

How Much Can I Borrow With a Personal Loan?

  • Personal Loans from £1,000 to £35,000
  • Loan terms from 1 – 7 Years
  • 1 – 2 Year loan variable rate
  • 3 – 5 Year loans fixed rate
  • Loans also available in Northern Ireland

What makes us Different?

Working with over 100 Partners

  • All Fully FCA Regulated and Authorised

100% Secure

  • Keeping Your Information Safe

Best Rates

  • From Award-Winning Providers

No Fees For Applying

  • Free to Apply

What Information Do I Need to Apply for a Personal Loan?

  • Your name
  • Your date of birth
  • Your current home address
  • Contact details
  • The amount of loan you are applying for
  • How long do you want the loan period to be

What Are the Benefits of a Personal Loan?

  • Low rates for those who have good credit
  • You do not need to own a house
  • Quick and easy online application
  • No fees are charged for applying