Loan top-up


You may find yourself in a position where you need access to extra funds. Applying for a top-up to your existing UK Credit Loan could be the answer.

Who can apply?

Most customers become eligible once they have made their first twelve month’s contractual payments in full and on time. You can apply for a top-up at any time after the twelve-month qualifying period, provided you continue to meet our lending criteria. Please note, the maximum number of loans we will grant to any customer, including top-ups, is two. So if you have already had one or more top-ups previously, we will not be able to help.

Can I top up my Guarantor Loan?

We no longer offer guarantor loans, however existing guarantor loans customers may still be eligible to top-up their loan to an unsecured loan, providing they meet our borrower criteria.

To get your application started, you just need to give us a call on 01603 369 100 and one of our friendly team will be happy to guide you through the process.

As with all loans, top-up applications are still subject to credit and affordability checks. Applications are not a guaranteed payout.

How does it work?

Topping up your existing loan works by combining the remaining balance of your existing loan with the top-up amount to create a new loan with one monthly repayment.

How much could I borrow?

Our minimum top-up amount is £3,000 of ‘new money’. So, if for example, your current balance is £6,000, we would provide you with a brand new loan of £9,000 (incorporating the current balance of £6,000 plus the minimum top-up of £3,000). The original loan would be paid off, so you would only be left with one new repayment.

Top-up example

If the balance of your existing loan is £5,000, and you wanted to borrow another £3,000 you would need to apply for a new loan of £8,000. £5,000 of this would be used to settle your original loan and the other £3,000 would be paid out to your bank account.
Please be aware that if you choose a new loan term longer than the remaining term of your original loan, you may pay more interest on the original amount you borrowed.

What can I apply for a top-up for?

Top-ups can be used for many purposes, so whether you need to fund some home improvements, repair or replace a vehicle or even to consolidate some other debt – a top-up may be the solution for you. We should remind you, you should always consider if you need the loan before making a top-up application.
If you would like to top up your loan or discuss topping up your loan call our team on 01603 369 100.

Can I have another loan after I’ve paid off my existing loan?

If you’ve paid off your loan with us and find you require more funds, simply give our team a call on 01603 369 100.

Keeping in touch

We may contact you to let you know when you’re eligible to apply for a top-up. If you want to receive this information, you can update your marketing preferences in our preference centre.