Personal Loan

Starting APR 3.1%

If Simple Personal Loans approves your application, money deposited into your account straight away. You can repay the loan with easy monthly installment plans and up to 6 years of terms. Even earlier with prepayment, until it’s all cleared.

Representative example: £15,000 borrowed for 24 months. The total amount repayable is £15939.20 in 24 monthly installments of £664.13. The interest charged is £939.20. Interest rate 5.9% pa (variable), min 3.1% APR, min and max term: 12 - 72 months.

  • Annual Percentage Rate (APR) 3.1%
  • Borrowing Amount £1000 - £35000
  • Maximum Loan Term upto 1 years
  • Processing Time 5 minutes
  • Loan Types Bad Credit, Fixed Rate, Long Term, Low Interest, Unsecured


  • Be aged 18 or over
  • Be employed or have a stable source of income
  • Live in the UK or be a UK resident
  • Have an active bank account
  • Have a valid debit card for this account
  • Hold a valid email address and phone number

How It Works


  • Use Simple Personal Loans quick loan calculator to choose your loan amount. Next, choose how long you want the loan for and an indicative example will show what you might pay.


  • The application process is easy! Click apply now and enter your personal details, income, expenditure, and bank details. Submit the form and Simple Personal Loans find you a loan.


  • Simple Personal Loans lenders will review the information that you have provided. If they can’t provide a personal loan, Simple Personal Loans’ll let you know and possibly offer some alternatives.

Why choose Simple Personal Loans?

If you are struggling to find a bank to offer you the loan you need, Simple Personal Loans can help you to find flexible loans from £1,000 to £35,000. As finance brokers, specializing in personal, guarantor, and car finance loans, Simple Personal Loans can help whatever your requirements. Whether consolidating your debts or securing more funds than your bank will offer, loans are approved online quickly.

With Simple Personal Loans, you can find a range of affordable personal loans online. Simple Personal Loans offer a range of loans to suit your circumstances and status, from personal loans to guarantor loans to car loans and even unsecured loans whether you have good credit or bad credit.


Applying for a loan with Simple Personal Loans give you;

  • Access to great APR rates, subject to status
  • Great APR rates even if you have bad credit
  • Convenience and speed whether you have good credit or a bad credit rating
  • One application form gives you access to a large number of financial service providers in one hit
  • Flexibility on loan type. i.e. Guarantor, Unsecured, Personal, Car Loans.
  • Loans from 1 to 6 years