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Welcome to the official home of Cheap Loans, the UK's premier low rate loan search and save service.

Cheap Loans provides "price conscious" consumers with the facility to source a reliable, hassle free loan quotation from the UK's biggest, best and most reputable personal loan providers. We don't charge fees of any kind, run credit checks as part of our service or obligate our users to take a loan as a result of using the site.

How is Cheap Loans different?

We understand that the key to winning your custom is through an assurance that the quotation we provide... is unbeatable. For this reason, we believe we exert more effort than anyone else, in the search to obtain the cheapest loan deal for our customers. We search, compare and provide cheap loan quotations from a portfolio of more than 550 personal and secured loan plans, sourced from close to the entire of the UK's lending population.

What about bad credit?

Fear not! We do not scrutinise against applicants with a history of bad credit, in fact around 1 in 4 of our customers have had some level of bad credit registered against them. Cheap Loans assesses each of our customers on an individual basis, identifying circumstantial traits in which to help better place your request for a bad credit loan, at the cheapest possible rate.

What type of loans can I apply for?

Cheap Loans supply and process a wide and varying range of competitively priced UK loan products, for both homeowners and tenants. Essentially, our loans can be used for almost any purpose, however, a snapshot of some of our more popular products can be found below.


Cheap Debt Consolidation Loans

Debt Consolidation Loans or consolidation loans are a great way for a person with numerous different credit commitments to "roll up" all of their outgoings into one lower, more affordable monthly repayment. Sourcing a cheap rate loan is crucial for the mechanics of a debt consolidation loan to be effective, as the borrowers aim, ultimately, is to pay less. To find out more about our debt consolidation loans, please follow the link.

Cheap Personal Loans

Cheap Loans conducts an impartial search of the entire UK lending market, meaning we have fewer restrictions than many conventional online loan providers. This freedom of search allows us access to a higher percentage of cheap personal loans from a bevy of both niche and mainstream lenders. To find out more about our cheap personal loans, please follow the link.

Cheap Secured Loans

As a lending product, Secured loans form one of the most heavily competitive sectors of the UK’s financial market. This is particularly advantageous for homeowners, as fiercer competition essentially broadens choice and increases the chance of qualifying for the cheapest loan deal (which can only be a good thing). Cheap loans are particularly successful in helping applicants of secured loans obtain a market leading package, regardless of past credit conduct. To find out more about our secured loans facility, please follow the link.

Bad Credit Personal Loans

If bad credit has presented a barrier for you in the past with regards to sourcing personal loans, make sure you give us a try. Cheap loans help thousands of UK borrowers source bad credit personal loans every month, and all at surprisingly low rates.

We make applying for bad credit personal loans easy, simply fill out our express contact form and we'll source the cheapest loans available, based on your individual circumstances. To find our more about bad credit personal loans, simply follow the link.

Cheap Loans Resources

We feel that before you apply for a loan it is good practice to do a little bit of homework beforehand in order to prep your expectations. To support this ethos we have incorporated two distinct areas within cheap loans, which we would encourage you to visit.

The first area is our loan tools section. This area contains a string of useful calculators and assorted tools, which we hope will help our visitors to decide on the type of loan that they require, but more importantly to determine if it is the cheapest loan or most suitable product for their circumstance.

The second area is our UK loan and finance forum. We have incorporated this facility to allow all visitors to openly share their experiences with the rest of the community, as well as offering any useful hints and tips which may account towards qualifying for a cheap loan or managing their personal finances more effectively.

Both of these areas are open to anyone who visits the site and are free to use regardless as to whether you decide to apply for a loan with us, or not.


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Please only apply for a loan if you are confident that you are able to make the repayments. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A PAYDAY LOAN OFFERS A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.

* Most loans can be paid into your bank account within one hour! However not all of our lenders offer this service and some may not pay straight into your bank account.

Unsecured Loans - Representative APR 23% - Homeowner Loans - Representative APR 14.9% - Payday Loans - Representative APR 1734% *The actual APR will depend upon the lender, the loan amount and the borrower's credit circumstances.

Representative Example: Borrowing £4250 over 36 months, repaying £207.36 per month, total repayable £7464.96. Representative 49.9% APR (variable)


cheaploans.co.uk is a trading site of TFLI Limited. TFLI Limited is registered as a Limited Company in England and Wales with Company No 08424810. Registered Office 19 Cowlersley Lane, Cowlersley, Huddersfield, HD4 5TY. The Company is duly registered with: The Data Protection Act, 1998 Reg. No: Z3585914, the Consumer Credit Act, 1974 Licence No. 656749. This site is a consumer application system, allowing customers to make instant applications to a multiple of Loan providers via a single online form. We may receive commission from a Loan provider upon completion of one of their products.

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


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