Tell us what you want to borrow for. A verified finance professional who covers your postcode will get in touch to explain how loans work, what lenders look at and what to compare, so you can decide before you apply anywhere.
A verified professional will get in touch.
Not sure which fits? Describe what you want to do, and a professional can help you narrow it down.
A fixed amount repaid over a set term, not tied to anything you own.
Borrowing secured against your home or another asset. It can allow larger amounts, but your home is at risk if you can't repay.
One loan that pays off several debts. Check the total cost over the whole term.
A loan where another person promises to repay if you can't. Often high cost, and it puts the guarantor at risk.
A loan from a member-owned lender, often at a lower cost and open to people with a limited history.
Credit for something like a car or a home improvement, often arranged at the point of sale.
What you earn, and how steady it is.
Rent or mortgage, bills and other regular costs.
What you already owe and the payments you make.
How you have managed credit in the past.
Whether you are employed, self-employed or retired.
How much you want and how long you need to repay it.
Not just the representative one in the advert.
Over the whole term, including any fees.
And what you could lose if you can't repay.
And whether you can pay off the loan sooner.
Soft or hard, and what it leaves on your file.
Check the FCA Register yourself.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
A low monthly payment can hide a long term and a high total. You hear the full amount you'd repay.
Some checks don't affect your credit file and some do. You hear which is which before you apply.
You get the options explained. Whether to apply is always your decision.
An unsecured loan isn't tied to anything you own. A secured loan is secured against an asset, usually your home, so you could lose it if you can't keep up the repayments. Secured loans can allow larger amounts but carry more risk, so think carefully.
APR is the yearly cost of borrowing, including interest and compulsory fees. The advertised representative APR is the rate that at least half of the people accepted for the product get. Your own rate may be higher, so ask for the exact APR before you agree.
Your income and outgoings, your existing debts, your credit history and your employment. Lenders must check that the loan is affordable for you, which can include looking at your bank statements.
A soft search, such as an eligibility check, doesn't leave a mark visible to other lenders. A full application usually does. Many applications in a short time can look worrying to lenders, so use eligibility checks first where you can.
Options exist, but they can cost much more. Be wary of guarantor loans, high-cost short-term credit and anyone who guarantees acceptance. A credit union can be a lower-cost alternative, and free guidance is available from MoneyHelper.
It can lower your monthly payment, but spreading the debt over a longer time can mean you repay more in total, and a secured one puts your home at risk. If you are struggling with debt, speak to a free debt advice service before you take out a new loan.
Usually, yes, but a lender may charge for repaying early within limits set by law. Ask about any charge before you sign.
You generally have the right to withdraw from a loan agreement within 14 days, though you will have to repay what you borrowed with interest for the days you had it. Check the terms in your agreement.
Complain to the lender first. If you're not happy with the answer, you can usually take it to the Financial Ombudsman Service, which is free to use.
How much you want to borrow and why, roughly what you earn and owe, and your postcode. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't make credit decisions. Any offer comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
All UK finance · Purchase Mortgage · Small Business Funding
Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't give financial advice or make credit decisions. Any offer comes from the firm that contacts you. Check that a firm is authorised on the Financial Conduct Authority Register (register.fca.org.uk) before you share personal or financial details. If you are struggling with debt, free help is available from MoneyHelper, StepChange and Citizens Advice.
Send your details and a verified finance professional will get in touch. Free, with no obligation.
Talk to a finance expert
