Rates from 5.9% to 39.9% APR

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 before you apply without affecting your credit score

  • rates range from 5.9% 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.

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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 £888.69. Total amount repayable is £4,919.47. Annual interest rate is 14.4% fixed. What is APR?

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 will carry out a full credit check.

To continue, confirm that you:

Confirm your eligibility to continue
are a UK resident
are over 18 years old
have a gross annual income of over £10,000
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You'll now leave the Co-operative Bank website and go to Freedom Finance

Any personal data you supply from now is given to Freedom Finance and they will be responsible for protecting it. The Co-operative Bank will not collect, receive or process any of this data.

Read Freedom Finance's privacy policy to learn how and why they will use your personal data.

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 ensure that we collectively offer a high standard of customer service.

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 only offer 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.

Got more questions?

Who are Freedom Finance?

Freedom Finance are a credit broker. If we introduce you to Freedom Finance they may refer you to one or more lenders from a panel of lenders depending on your circumstances.

Why won’t the search affect my credit score?

Freedom Finance carry out a soft search when they look for your quotes. Although it is recorded on your credit file, lenders can’t see it. This means it doesn’t affect your credit score, or your chances of receiving finance in the future.

How do I know if I earn a Gross Annual Income of £10,000?

Gross Annual Income is the amount of money you earn each year before tax and any other deductions.

What rate can I get?

We can’t specify which rate you’ll actually get - it’s up to the panel of lenders to decide after you’ve applied. The rate you get depends on:

  • if you are accepted for a loan
  • which provider offers you a loan.

However, it’s quick to check if you’re eligible for a loan and you’ll get a decision in minutes without affecting your credit score.

When you’ve got your decision, you can choose to apply for a loan with any of the lenders that show up. They will then carry out a full credit check to decide which rate they can actually offer you.

What does the representative example mean?

The representative example shows how much you might pay back based on a specific interest rate and loan amount. Representative examples are there to help you compare different products and give a guide on how much taking out a loan could cost. If your application is accepted, the rate you actually get will take factors such as your personal circumstances into account.

What is APR?

APR (Annual Percentage Rate) is an illustration of the cost of borrowing over a year taking into account the interest rate and any additional fees. You can use the APR to compare the cost of similar products.

What happens if I don't receive any loan offers?

If you don’t receive any loan offers through your online search, the experts at Freedom Finance might still be able to help. Give them a call on:

+44(0)333 555 1112

to make sure you have completed the application correctly. Please see UK call charges

Who is responsible for protecting my personal information?

Freedom Finance will be responsible for your data. Freedom Finance complies with Data Protection laws in the United Kingdom and the EU General Data Protection Regulation (GDPR). This Privacy Policy details how they process your personal data.

What if I need to make a complaint with Freedom Finance?

There are a number of ways to make a complaint to Freedom Finance. You can speak to a member of their customer service team on: +44(0)161 498 7739 (call charges) or send an email to Freedom Finance. (For security reasons, please do not include any account details in your email).

Alternatively you can also contact them by post at:

Freedom Finance Complaints
Atlantic House
Atlas Business Park
M22 5PR

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. Whether or not these options are available to you will depend on your circumstances.

Credit cards

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

View credit cards


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

Find out more about overdrafts

Not found what you're looking for?

Contact our support team