Loans 

Get a loans decision online in minutes

We've worked with Freedom Finance to carefully select a panel of lenders with competitive rate loans.

  • Get a decision in minutes 
  • Borrow £1,000 to £25,000, over 1 to 7 years
  • Check your eligibility for a loan before you apply without affecting your credit score
  • Rates range from 3.4% to 39.9% APR 
The Co-operative Bank and Freedom Finance act as brokers not lenders. We both receive commission if your application is successful - this varies depending on the lender but it won't affect the cost of any loan.

Freedom Finance

Representative example

A £4,000 personal loan over 3 years at 14.9% APR representative (fixed) with repayments of £136.65 a month. Total charge for credit will be £919.47. Total amount repayable is £4,919.47. Annual interest rate is 14.9% fixed.

The rate you may be offered will depend on your personal circumstances, the loan amount and the repayment term. Credit is subject to status and application.



Before you get started

  • Credit is subject to affordability checks and eligibility checks by Freedom Finance and any lenders you might apply with.

  • If you're paying off existing debt with a loan, you might extend the terms of the debt and increase the total amount you pay back.

  • If you find a loan you'd like to apply for, your chosen lender might carry out a full credit check.

To continue, please confirm that you:

Get a quote with Freedom Finance


Search and apply for a loan

  • You’ll complete one quick and simple application to get a decision in minutes (subject to status and eligibility).
  • Freedom Finance will carry out a soft credit check when searching for your loan quote - this won’t affect your credit rating.
  • You can then choose from the panel of lenders we’ve carefully selected
  • The Co-operative Bank and Freedom Finance receive commission if your application is successful - this varies depending on the lender but it won’t add to the cost of any loan you might get
  • If you find a loan you'd like to apply for, your chosen lender might carry out a full credit check

How a loan works

We want to help you access the loan you need, whether it's for grand plans or little projects, renovating your home or managing debt. 

A loan lets you borrow money for a set period of time. In return, the lender charges interest. The lenders on our panel all offer only fixed rate loans, it means that the rate you're charged will not change during the fixed term. 

At the end of the fixed term, you'll have paid back the money you borrowed, plus the interest charged by the lender.

Learn more about Personal Loans or Car Loans

Got more questions?

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Not the right borrowing option for you?

It's important to consider other borrowing options depending on how much you want to borrow and how long for. We have other borrowing options that might better meet your needs. Whether or not these borrowing options are available to you will depend on your circumstances.

A credit card

We have three different credit cards available to apply for online that may meet your borrowing needs

See our credit cards

An overdraft

If you have a current account, you may be able to apply for an overdraft, or an increase to your existing overdraft

See our overdraft