Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Your loan form

  • 100% online - there's no paperwork
  • Get an instant, no obligation quote
79.5% APR Representative

Clever Loans will provide every effort to find you a loan. If we are not able to do this, we may transfer you directly to alternative firms and services which may incur a monthly fee, such as credit building tools if you choose to use them. We need to provide our trusted panel of lenders and brokers with your personal details to do match you to check your eligibility. See our privacy policy for more information for more information

Loan details: £1000
over 12 months


Select the option closest to your needs
*All fields are compulsory
Car loan
Pay bills
Pay off
Home improvements
Short term
If you're struggling with debt see our FAQ's.


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

Did you mean:

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

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!

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

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


To confirm you have a permanent address
Living with
Less than
1 Year
1 - 2
2 - 3
3 - 4
4 - 5
More than
5 years


We need to confirm you have regular income
Full time
Part time
Student working part time
Full time student
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.

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

Construction /
Retail /
I work in
an office
Education /
Civil Service
Telecom /
Banking /
My industry
isn't listed
Less than
1 Year
1 - 2
2 - 3
3 - 4
4 - 5
More than
5 Years

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.


These can be estimates

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

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


lock icon
This is to ensure you have a valid account
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 Accounts
Finance Apps
Other lines of credit
Car Finance
products and services
. Untick this box if you don't want us to do this
tick icon
Get my personalised quotearrow button

100% no obligation

Contact us and FAQs

If you have any questions or need help with your application please contact Clever Loans using this online form.

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

Please wait while we search for the best loan for you...


This can take a few minutes, so please do not refresh this page.

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.


Thank you for choosing

clever loans logo