Unsecured Personal Loan

An Unsecured Personal Loan is a loan that's obtained without the use of property or assets as collateral. Find out instantly if you are eligible for an unsecured loan by using our online form. All our lenders only conduct soft credit checks - which only you can see on your file and other lenders can't - so applying will not adversely affect your credit rating.    

  • Unsecured Personal loans from £1,000 to £25,000
  • Repayment periods of up to 5 years.
  • No penalties if you decide to repay early.
  • You will need a good credit record to apply
  • UK residents aged 18 or over only
  • You can be employed, self-employed or retired 

Peer-to-peer (P2P) personal loans

We are also one of the first brokers in the UK to be able to offer loans from peer-to-peer lenders. Peer-to-peer lending cuts out the banks and can often mean the best rate for you. If successful, you could receive your peer-to-peer loan within 24 hours of applying. This depends if the lender approves and you can provide the information required. Few P2P loans take more than two to three days to arrange.

Once you apply on the form opposite you will instantly be told which lender we have that will be most suitable for you. If successful you can receive your money within 24 hours of applying though the exact time-frame does depend on which lender approves you, and assumes you can provide the information required; but none of them take more than 2-3 days.

Are you looking for an Unsecured Loan?

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

( * Indicates required field)

"I would recommend Choice Loans to anyone, you won't be disappointed"

Mark Robinson - Unsecured Loan

What is needed to apply

Applying for an Unsecured Personal Loan is very easy. Below are listed the things you need in order to apply.

  • Eligibility Criteria Over 18, UK resident, clean credit and sufficient earned income to make the payments (affordability)
  • Documents Required Online application form, proof of ID and proof of income (payslips or bank statements)
  • Additional Comments If approved you can be funded within 24 hours


  • Will it affect my credit score if I apply and am not accepted?

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

  • How long does it take?

     If you are accepted you will get the loan within 24-48 hours.

  • What if I don't qualify for a 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.

Choice Loans Customer Reviews

To learn more or to apply for a Unsecured Personal Loan please either fill in the call back form at the top of this page or call us on 01494 410 125 and we'll walk you through your options at no cost or obligation.