Unsecured Personal Loan

Personal unsecured loans up to £25,000

Considering an unsecured loan? Complete this form to explore your options.

Unsecured Personal Loans

What are the criteria?

  • Personal unsecured loans of up to £25,000 (two year minimum term) are available to UK residents (min 2 years' residency) over 18 years of age.    
  • Affordability is paramount: Applicants must have sufficient disposable income to afford the loan.    
  • Unsecured loan applicants must have a clean credit history (no defaults or CCJs).
  • Employed, self-employed and retired applicants are all accepted with a sufficient, provable income.

Are you looking for an Unsecured Loan?

We just need a few simple questions answered to set-up your application form.

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Frequently Asked Questions


Does it affect my credit score to apply?    

No. All our lenders use ‘soft’ credit checks which do not affect your credit score.

How long is the online application?    

It’s quite short. We just need contact details, 3 years’ address history, 3 years’ work history, income details and what you want the loan for. It all takes about 5-6 minutes to complete.

How long does it take before the loan is paid out?    

Depending on the lender you are approved with it can be same day but most likely 24-48 hours.

What if I'm not approved for an unsecured personal loan?    

We have other options: you could look at a Secured Loan if you are a homeowner or a Guarantor Loan if you are not.

What do I need in order to apply for an unsecured loan? 

Applying for a personal unsecured loan is fairly straight-forward, especially with the support of our expert team. Here's what you will need:

  • Eligibility Criteria You must be an 18+ UK resident with a clean credit report and sufficient earned income to pass affordability checks in order to apply for an unsecured loan.
  • Documents Required Online application form, proof of ID and proof of income (payslips or bank statements) will be required. You will also need to have a valid email address. 
  • Additional Comments If approved for an unsecured loan you can be funded within 24 hours, though some providers' processes will take slightly longer. 

The personal unsecured loans market is competitive and crowded. With many, many potential lenders out there, it can be difficult for individuals to identify their best options and avoid lenders with questionable reputations.

At Choice Loans, we help you explore your options, quickly, conveniently and expertly. With links to major lenders, we can deliver almost instant responses to your applications, bringing you the best quotes from trusted providers – fast. 

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