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79.5% APR Representative

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Get an instant, no obligation quote

79.5% APR Representative

Loan details: £1000
over 12 months

*All fields are compulsory

Loan amount* *

£1000

We offer loans from £100 to £5,000 – available in increments of £50

Over a period of* *

3 Months

6 Months

12 Months

18 Months

24 Months

36 Months

12 months

We offer loans terms from 3 to 36 months in 3 month increments

What’s the reason for your loan?* *

Car loan

Pay bills

Pay off
debts

Home improvements

Short term
cash

Other

Please choose the option closest to your circumstances, or if none are applicable, choose "Other"

If you're struggling with debt see our FAQ's.

About you

Your personal details are needed to match you to the best loan rates or, in some circumstances, alternative products and services available. We will provide our panel of lenders and brokers with these details to check your eligibility and carry out a soft search. If we can\'t match you to a loan, we will also share your details with firms who provide alternative products and services which we believe may be suitable. This will not affect your credit rating. See our privacy policy for more information.

Title* *

Miss

Mrs

First Name* *

Surname* *

Date of Birth* *

Lenders use eligibility criteria to assess credit applications which can include your age, for more information please see our FAQ's.

Email Address* *

Did you mean:

Your contact details are needed so that you can be contacted with information about your quote.

Mobile Phone Number* *

Have you applied with us before?

If your details haven’t changed since the last time you applied, you can use our quick application service instead! This means we’ll reuse your details from last time and you can get your loan without needing to fill in the entire form!

Quick form

No thanks, I’ll continue with a new application

Home Phone Number* *

Daytime Phone Number* *

This can be a mobile number if you do not have a landline. We will never inform your employer

Marital Status* *

Single

Married

Divorced

Other

Number of Dependants* *

None

This includes children under 18 or any person who you are responsible for

Do you have a Debit Card?* *

Visa

Mastercard

I don't have a
debit card

This is just for confirmation – you need to have a valid UK debit card to be eligible for a loan with us

Home Status* *

Home
owner

Private
tenant

Council
tenant

Living with
family

We just need to check you have a permanent address.

YearsTime at Address* *

Less than
1 Year

1 - 2

2 - 3

3 - 4

4 - 5

More than
5 years

Postcode* *

Find your address

Employment Status* *

Full time

Part time

Temporary
employment

Self
employed

Student working part time

Full time student

Retired

On
benefits

Unemployed

Don’t worry, your loan quote is private - nobody will be informed. We just need to ensure you have regular income

Lenders are unlikely to accept customer's who are on benefits. If you're struggling with debt see our FAQ's.

Lenders are unlikely to accept customer's who are unemployed. If you're struggling with debt see our FAQ's.

Lenders are less likely to accept customers who are students without regular income from employment, please see our FAQ's.

Employers Name* *

This process is 100% confidential – we will never inform your employer

Your Employment Industry* *

Construction /
Manufacturing

Retail /
Hospitality

Healthcare

I work in
an office

Education /
Civil Service

Telecom /
Utilities

Banking /
Insurance

Military

My industry
isn't listed

If your industry is not shown here, please select ‘’My industry isn't listed‘

Job Title* *

Time in Current Job* How long have you been on benefits?* How long have you been retired?* How long have you been unemployed?* How long have you been self employed?* How long have you been a student?* *

Less than
1 Year

1 - 2

2 - 3

3 - 4

4 - 5

More than
5 Years

Please select how long you have continuously been employed by your current employer

Please select the total period you have been self employed – if this includes multiple short contracts, include the time from your first self-employed contract

Please select the total time you have been in full time education, not including any time spent in education before you turned 18 years of age

Please specify how often you receive benefits. If you receive more than one type of benefits, please include all of them

How often are you paid?* How often do you receive benefits?* How often do you receive benefits?* How often do you receive your pension?* How often do you get paid?* How often do you receive income?* *

Next Pay Date* Next Benefit Payment Date* Next Benefit Payment Date* Next Pension Date* *

We need to know this to verify you have income

Following Pay Date* Following Benefit Payment Date* Following Benefit Payment Date* Following Pension Date* *

Monthly Take Home Pay* Monthly Benefit Income* Monthly Benefit Income* Monthly Take Home Pension Income* Monthly Take Home Income* *

This is how much you are paid after deductions such as tax, national insurance etc.

Please specify your total benefit income. If you receive more than one type of benefits, please include all of them

Are you sure this is correct? Remember, this is your monthly take home income, not annual income.

The loan amount you're looking to borrow is high when you take into consideration your age and total annual income. More info.

Monthly Mortgage / Rent* *

Please specify your share of your monthly mortgage or rent payments – an estimate is ok. Remember, if you split your bills, include only your portion here

Are you sure this is correct? Remember, you should only include your share of outgoings here – if you split your mortgage repayment, only include your portion here

Monthly Loan Repayments* *

Please specify your share of your monthly loan or credit repayments – an estimate is ok. If you do not have any loan repayments, please leave this blank or enter £0

Monthly Utility Bills* *

Please specify your share of your monthly utility bill costs – an estimate is ok. This includes electricity, gas, water etc. Remember, if you split your bills, include only your portion here

Monthly Transport Costs* *

Please specify your monthly transport costs, including commuting to work and any personal travelling costs – an estimate is ok

Monthly Food Costs* *

Please specify your personal monthly food costs – an estimate is ok. Remember, if you split your bills, include only your portion here

Other Monthly Expenses* *

Please specify any other monthly expenses you have, e.g. any TV bills, gym costs etc. If this is not applicable, please enter £0

This is 100% secure and cannot be used to take any repayments from you. Your repayment details are taken after you receive your NO OBLIGATION quote and proceed.

Bank Sort Code* *

This is 100% secure and cannot be used to take any repayments from you. Your repayment details are taken after you receive your no obligation quote and proceed.

Bank Account Number* *

By submitting your application form, you are agreeing with our terms and conditions and confirming that you have read our privacy policy. You understand that we will carry out a soft search on your credit file to match you with the most suitable lender(s) or broker(s) on our panel, and that they may also carry out a soft search to assess your eligibility for the product you are applying for. These searches will only be visible to you and they will not affect your credit rating. If we cannot find you a loan, we may transfer you directly to alternative firms and services, such as credit builder tools, (these could incur a monthly fee if you choose to use them) or alternatively firms who provide debt advice.

We’d like to stay in contact with you using the details you have provided to make sure you find the product or service you’ve requested and to tell you about our related Credit cards
Guarantor Loans
Secured Loans
Debt Solutions
Credit Reporting
Home Credit
Bank Accountsproducts and services. Untick this box if you don't want us to do this

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View FAQs

Will I be accepted for an unsecured loan?

Clever Loans can check whether you are likely to be accepted for a loan by the lenders on our panel. If we match you with a lender, there is a good chance you will be accepted for the loan provided the details you have provided to us are accurate. Lenders will typically review your credit report and look at your income, employment, and debt-to-income ratio to determine your ability to repay the loan.

What is a soft search?

A soft search is a way for lenders and brokers to check your creditworthiness without making an entry on your credit report. It does not affect your credit score and can give you an idea of your chances of getting approved for a loan or credit card. It is only visible to you on your credit report and can not be seen by other lenders on any future hard searches that are conducted.

What is a Representative APR?

Representative APR is the annual percentage rate that 51% of customers have been offered for the financial product that is being advertised. It gives you an idea of the overall cost of the loan including interest and any additional fees. Representative APR is often used to compare different credit products and their costs.

How much money can I borrow?

Clever Loans can search for loans between £100 and £5,000. You can choose to apply for any amount you wish, however you could find it harder to get approved for a greater loan amount – particularly if you have a low income in comparison to the monthly repayments or have ongoing credit obligations.

I’m worried about my finances, what can I do?

If you are worried about debt or your personal finances, you can take the first step towards getting back in control with free, impartial advice from moneyhelper.org.uk or take StepChange’s Money Health Check at stepchange.org.

I am on benefits; can I get a loan?

If benefit payments are your only source of income, you may find it difficult to be approved for a loan. Most lenders will not accept applicants who are unemployed. However, if you are in receipt of benefits in addition to a regular income from part or full-time employment, you may still be eligible for a loan.

I am a student; can I get a loan?

If you are a student in full-time education, you are unlikely to be eligible for a loan unless you have a reliable source of income from employment.

I am unemployed; can I get a loan?

If you are unemployed, it is unlikely that you will be approved for a loan. Most lenders will not consider loan applications where the applicant does not have a source of regular income to make repayments.

Can I get a loan to consolidate my existing debt?

Clever Loans may be able to help you find a loan to consolidate existing lines of credit. When looking to do so, you should consider whether the APR of the loan you are matched with is less than the APR of your existing debt. If it is lower, a debt consolidation loan could help to make your debt repayments more manageable. If you wish to get advice on any outstanding debts please visit StepChange.

What will happen if I am unsuccessful in my application?

If your application with Clever Loans does not return a match with any of our loan providers, we may show you alternative credit products which may be suitable for you. This might include credit card products, credit builder tools and debt management solutions. Clever Loans only soft searches your credit file, so your credit score will not be impacted regardless of the outcome of your application.

Checking your eligibility

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You are leaving Clever Loans and are being re-directed to our partner's site to complete your application. Be sure to read their privacy policy to understand how they will process your information.

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Checking your eligibility

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You are leaving Clever Loans and are being re-directed to our partner's site to complete your application. Be sure to read their privacy policy to understand how they will process your information.

After checking 30 lenders a loan wasn't possible on this occasion - but don't worry, we are passing you to our partner Money Wellness to look at alternatives.

Good news, You’ve been matched with a loan through our panel. We’ll redirect you now to complete your application.