Personal loans
Get a personal loan decision in minutes
We want to help you access the personal loan you need, whether it's for grand plans or little projects, renovating your home or managing debt.
- Borrow £1,000 to £25,000, over 1 to 7 years
- Check your eligibility for a loan before you apply
- Choose from a carefully selected panel of lenders and get a decision in minutes - The Co-operative Bank is acting as a broker and will not be the lender for this product
- Rates range from 3.1% to 39.9% APR
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
Who is Freedom Finance?
Freedom Finance is a credit broker. We've worked with them to carefully select a panel of lenders that we'll regularly review.
Representative example
A £4,000 personal loan over 3 years at 9.9% APR representative (fixed) with repayments of £128.09 a month. Total charge for credit will be £611.22. Total amount repayable is £4,611.22. Annual interest rate is 9.9% 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 apply
- 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.
- Our Ethical Policy is unique to us as a bank and not shared by Freedom Finance or the panel of lenders. We will continue to monitor how customers are treated.
Got a question?
How you could use a personal loan
Home improvements
Debt consolidation
Holidays
Weddings
Car purchase
Other
APR (Annual Percentage Rate)
APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.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
An overdraft
If you have a current account, you may be able to apply for an overdraft, or an increase to your existing overdraft
Important information about our call charges
If you’re calling from the UK, calls to 0800 and 0808 numbers are free from landlines and mobiles; calls to 03 numbers cost the same as calls to numbers starting with 01 and 02; calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge; calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Charges for calls made outside of the UK will be determined by your local provider.
Calls may be monitored or recorded for security and training purposes.
Contact us
If you'd like more help & information, you can:
