Unsecured Homeowner Loans
£3,000 to £20,000

Homeowner Loans

✓ Borrow from £3,000 to 20,000

✓ Repay over 3 - 10 years

✓ 22.9% APR representative fixed

You must be a homeowner to apply
Please select 'Yes' or 'No' to continue.
Total repayable: £
Fixed APR: %
Annual interest rate: %
Interest payable: £

Apply by phone 9am - 6pm Mon to Fri

22.9% APR Representative (fixed) Representative Example: £17,000 over 60 months, representative 22.9% APR fixed. Monthly payment £457.98. Annual interest rate 20.8% fixed. Interest payable £10,478.80. Total repayable £27,478.80.

Minimum repayment period: 36 months. Maximum repayment period: 120 months. Maximum APR 29.9%

Who are UK Credit?

UK Credit are a direct lender of unsecured homeowner loans. Part of the Norfolk Capital Group, we have over 10 years of experience in providing loans to those who struggle to obtain credit through high street lenders, perhaps due to a poor or thin credit history. We pride ourselves on being a responsible lender, completing thorough affordability checks on each application before approval.

We’re inclusive
Unlike some other lenders, we don’t assess our loans based on a credit score. Our team manually consider each application based on its merits rather than letting a computer decide.
We’re Direct
UK Credit is a direct lender for Unsecured Loans. We’re not a broker and we do not ask for any upfront fees. Upon application, our expert team will conduct the necessary financial and background checks, and be in touch directly to complete the process.
We’re Understanding
We don’t have a ‘one size fits all’ approach when it comes to communicating with our customers. Our highly trained staff treat everyone individually based on the customer’s unique situation.


Why choose UK Credit?

Competitive Rates
Great interest rates ranging from 19.9% to 29.9% APR.
Our loans are unsecured, so your home is not at risk.
Fast payout
We aim to pay out approved loan applications within 24 hours*

No Guarantor
Our loans don’t require the support of a guarantor.
All considered
We consider all financial circumstances including poor credit, CCJs and defaults.
Fixed rate
Our fixed-rate interest means your repayments won’t change

Do I need to own a house to get a loan from UK Credit?

While our loans are unsecured, we do require our applicants to be homeowners

Most secured loans use the Borrower’s home as security against the money they borrow. This means that you must own a house or property in order to get one. Even though our loans are not secured against the property, you must be a homeowner in order to qualify. Owning a home provides lenders with more security, so they are likely to consider you as less of a financial risk and more likely to keep up with the repayments.

Who can get an unsecured homeowner loan?

To apply for a loan with UK Credit, you must meet the following criteria.

You must be 21 or older at the start of the loan, and under 71 at the end of the loan.

You must have a net annual income of at least £15,600 (take-home £1,300 per calendar month). This can be from employed work or retirement funds and also includes certain benefits.

You must have been a UK resident living in England, Scotland or Wales for at least the last two years.

You must be a homeowner, either outright or with a mortgage. This includes those with shared ownership or help to buy mortgages.

Even though we will always try our very best to help you, there are certain credit issues that we cannot overcome.

We will not be able to help anyone that currently, or has in the past twelve months been:

  • in an Individual Voluntary Arrangement (IVA)
  • in a Debt Management Plan (DMP)
  • subject to a Trust Deed

We also will not be able to help if you have been declared bankrupt or discharged from bankruptcy in the last three years

Who are Unsecured Homeowner Loans suitable for?

Our loans are designed for people that may be struggling to get an unsecured loan from a high street bank but don’t want to use their home as collateral for a secured loan.

This type of loan considers the financial circumstances of the Borrower by completing a thorough affordability assessment upon application. This means that even if you have a poor credit history, you may still be able to get your loan, as long as you meet our eligibility criteria.

What can I use my loan for?

We offer loans for many purposes for example to finance vehicles, to consolidate debt, home improvements or to pay for a wedding.

car wheel
Vehicle Finance / Repairs
cut credit card
Debt Consolidation
Home Improvements
wedding rings
Wedding Loans

How much can you borrow with an unsecured loan?

The amount you can borrow will vary from lender to lender.
At UK Credit, our loans range from £3,000 up to £20,000

The most important factor that decides how much you can borrow is the affordability of the monthly repayments. You will only be able to borrow as much as you can comfortably afford to repay each month. It may be possible to lower the monthly repayments by taking the loan over a longer term, but it is important to remember that this means you will repay more money in total.

How long can you take an unsecured loan for?

Each lender will have different repayment periods and the amount you repay with vary depending on this term.
Our repayment periods range from 3 to 10 years.

Generally the longer the term, the lower the monthly instalment. This can help make the loan affordable if larger payments are out of your budget. But repaying the loan over the shortest term you can comfortably afford will mean that you repay the lowest amount of interest.

How long does an application take?

Application times will vary depending on how quickly you complete the various stages.
We always aim to make sure that our loans are completed and paid out within 24 hours*

The initial online application can take as little as a few minutes. We’ll then need to assess your financial situation via Open Banking by examining your income and outgoings. We will also need to speak with you to discuss your circumstances, make sure you are happy with the loan, and that the monthly repayments are affordable.
You may need to send us a few supporting documents which could include:

  • Proof of address
  • Proof of income
  • Proof of identification

Naturally, you will only get your money once these steps are completed, so the sooner we can speak with you the better.

*Not including weekends and Bank Holidays

Three steps to a unsecured loan with UK Credit

Complete the secure online application form and authorise us to review your financial situation via Open Banking.

One of our team will be in touch to complete an affordability assessment with you over the phone.

With everything in order, we’ll deposit the loan funds directly into your bank account.