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

Rates from 5.9% to 39.9% APR

You'll be able to:

  • 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.

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Representative example

A £4,000 personal loan over 3 years at 16.9% APR representative (fixed) with repayments of £140.07 a month. Total charge for credit will be £1,042.51. Total amount repayable is £5,042.51. Annual interest rate is 16.9% 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.

Find a loan

Loan applications are currently unavailable - we will notify you of some changes soon.

Got more questions?

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.

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.

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

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.

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.

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.

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

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.

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.


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

Not found what you're looking for?

Contact our support team