Get a personalised quote in simply 2 moments

Get a personalised quote in simply 2 moments

Get a personalised quote in simply 2 moments

12.9% APR Representative

Quote request will not influence your credit rating

Applying is without headaches

Ranked “Excellent” on Trustpilot

The price you may be offered varies according to your circumstances that are personal the mortgage quantity as well as the payment term, and could vary from the Representative APR. We shall verify your price whenever you get your personalised estimate.

Loans with a significant difference

A flexible, low-cost personal loan from Lending Works could be the perfect one for you whether you’re looking to buy a car, improve your home, pay for a wedding or simply take control of your finances.

We’re in a position to provide you with great prices by cutting out of the bank and enabling you to borrow cash from genuine individuals. Applying takes one or two hours moments, and when effective the income may be in your account within one day time.

You may also spend down your loan early anytime, and also at no extra expense.

12.9% APR representative. At the least 51per cent of y our clients have the rate that is representative better.

Why sign up for a unsecured loan with us?

Simple online application

Award winning solution

Our multi-award customer that is winning group had been voted ‘highly commended’ within the Many Trusted Loans Provider category during the Moneywise Customer Service Awards – when it comes to 3rd 12 months in a line.


So what can we borrow cash for?

You are able to borrow funds for some things, including:

– a vehicle or vehicle- house improvements- debt consolidation reduction- A special occasion such as for example a wedding or holiday- every other purpose that is reasonable

Will trying to get a loan impact my credit rating?

You are able to get a totally free loan that is personalised without the effect on your credit history. You have a loan with us if you are happy with your personalised loan quote and wish to accept your loan, this will leave a footprint on your credit file to let other lenders know. Having way too many present credit queries registered against your title make a difference your credit rating and power to get credit in the foreseeable future.

Exactly what does APR suggest?

APR (Annual Percentage price) is a phrase utilized to determine exactly how much a loan can cost you. It provides all charges and interest that you’ll spend the term over of one’s loan. The APR is really a way that is helpful compare exactly how much a Lending Functions loan can cost you when compared with other loan providers.

What the results are if we skip a payment?

In the event that you miss a planned repayment, we will make an effort to make contact with you as quickly as possible to go over your overall situation. We enable up to five business days without any fee for you really to result in the re payment. If you should be not able to result in the re re payment within five business days, we might use extra charges and costs, as set out in your credit contract. We are going to constantly play the role of reasonable which help you can get straight right back on the right track, therefore it is always better to speak to us to talk about your circumstances that are personal.

Whenever we’re nevertheless not able to recover the payments that are outstanding we possibly may pass your account to your business collection agencies partner. It is critical to understand that, as being a peer-to-peer financing platform, the funds you’re borrowing arises from ordinary individuals, therefore ensuring we retrieve quantities owed is essential to us.

Keep in mind: Missing repayments on your own loan can be hugely negative for the credit rating and may also result in issues in getting credit as time goes on.

Can you really cancel my loan contract?

You’ll cancel your loan contract at any right time inside the first fourteen days without charge, by calling us then repaying the funds that have been initially compensated into the account. You will intend to make this re re payment within thirty days of notifying us of one’s termination demand.

If you want to cancel your loan contract after fourteen days, you can easily request financing settlement figure from your own Lending Works account whenever you want. After you have repaid the balance that is outstanding complete, your loan should be paid back. Your settlement figure will consist of any interest accrued as your final payment.

Could I alter my repayment that is monthly date?

Yes you are able to. As soon as your loan happens to be approved you are able to replace your month-to-month payment date by following a procedure put down in your Lending Works account or by calling our customer care group on 020 7096 8512.

We are going to adjust the very first planned repayment in your brand new payment date to take into account any improvement in interest due to either shortening or extending the general term of the loan. You’ll be advised of any modifications to your planned repayments during the time of processing your demand.

Why did Lending Functions decrease my application for the loan?

Lending Works assesses all borrowers for affordability and creditworthiness, as well as verifying identities and checking fraudulence databases. Should we determine that the mortgage you’ve got sent applications for stretches your money too thinly or we discover that your credit score will not meet our standards that are minimum we are going to decrease your loan.

In this full situation, our company is struggling to show you the reason we declined your loan. Rather, we advice you finish a credit that is personal to ensure your credit score can be as strong as you possibly can.

Discover more about taking out fully a loan with us inside our Borrower assist Centre.

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