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 

Freedom Finance

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.



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.

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.

To apply, please confirm that you:

Apply with Freedom Finance


Got a question?

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.

To apply, please confirm that you:

Apply with Freedom Finance


Ready to continue?


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