Unsecured Personal Loans

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• Loan guides
• Personal loans £3,000 to £5,000
• Personal loans £5,500 to £7,500
• Personal loans £8,000 to £10,000
• Personal loans £10,500 to £12,500
• Personal loans £13,000 to £15,000
• Personal loans £15,500 to £17,500
• Personal loans £18,000 to £20,000
• Personal loans £22,500 to £22,500
• Personal loans £23,000 to £25,000

Get an unsecured personal loan

Unsecured personal loans have been a popular means of raising additional funds for many years and unlike secured loans, which will normally require you to have something to 'secure' the funds against (such as a house or car) an unsecured personal loan will be based on your credit rating, affordability and individual circumstances.

How does the credit rating work for unsecured loans?

An unsecured lenders credit rating will be based mainly on two aspects, your credit file and the lender application form.

The lender will do a credit check and based on the information on your credit file and the information given on the application form they will allot you a credit score. Whilst there are similarities in the way lenders score applications each personal loan lender will have slightly different ways of working out your credit score as different lenders will allot different values to different aspects of your credit file and the information you provide on the loan application.

Lenders have different loan options available for most circumstances ranging from employed to self employed.

Will a loan application with Baker Financial harm my credit file?

No. When you apply for any type of finance the lender will normally do a search with one of the credit reference agencies which will be noted on your file but this will not harm your credit rating unless you apply for lots of different loans at once with different lenders at once.

I have bad credit, can I still apply for an unsecured personal loan?

Possibly. There are loans available for people with bad credit but exactly how much you can borrow and what interest rate you will be eligible for will depend on your individual circumstances.

If you have bad credit, rather than applying to one lender it's normally better to use a broker such as Baker Financial who has access to many lenders giving more choice and more borrowing options can only benefit the borrower!

People often apply for loans to consolidate bad debts such as credit cards, overdrafts and even other unsecured personal loans.

If you want to apply for a personal loan and other debts you can still find out if you are eligible without it costing you a penny.

I want to apply for a loan today

Simply complete the form at the top of this page and one of our advisors will call you back as soon as possible.