Secure UK Site

Thousands Of Happy Homeowners
Find A Loan With Us Everyday

  • Borrow From £10,000 to £250,000
  • Terms from 3 to 25 years
  • CCJ's, Arrears & Defaults Welcome
  • Secured loan rates from 2.6% APRC
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Representative APRC 8.6%

Representative Example: Based on borrowing £10,000 over 10 years at an Annual Interest Rate of 5.14% (variable) you would make 120 payments of £122.71 per month. Total amount repayable will be £14725.20 The overall cost for comparison is 8.6% APRC representative. (This includes a lender fee of £495 and a broker fee of £1000 which have been added to the loan.)

THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
IF YOU ARE THINKING OF CONSOLIDATION EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT TO REPAY

2.6% APRC to 65.2% APRC

Why use Cheap Loans?

  • All Credit Types Welcome
  • Loans From £10,000 to £250,000
  • Simple Online Application
  • Used by 1000's of People Daily
  • Rates from 2.6% APRC to 65.2% APRC
  • Totally Confidential
  • We Don't Charge Any Upfront Fees

To Give You Total Peace Of Mind

If you are applying for a loan online, it is important that you choose a reputable company. Before you apply, here's a little bit of information to put your mind at ease.

We are fully authorised by the FCA

TFLI Limited is fully authorised by the Financial Conduct Authority (FCA) as a credit broker under registration number 723630.

We are registered with the ICO

We are registered with the Information Commissioner (ICO) under number Z3585914.

We are registered with the CCTA

We are registered with the Consumer Credit Trade Association (CCTA) under number CCTA1200.

We are GDPR compliant

We fully comply with UK data protection laws and specifically our responsibility to our customers under GDPR. We are always clear and transparent with regards to how your data will be processed.

We are based within the UK

Cheap Loans are a UK company based in the beautiful rural village of Bollington, Cheshire. Our full address is Adelphi Mill, Grimshaw Lane, Bollington, SK10 5JB.

Looking for a Homeowner Loan? Get a decision in principle today.

Loans From £10,000 - £250,000

Cheap Loan Rates From 2.6% APRC

All Credit Types Welcome

Cheap Loans is one of the UK's best-known online homeowner loan and secured loan brokers. Working alongside some of the best known secured loan lenders and brokers in the UK, we simplify the loan search process by accessing multiple different cheap homeowner loan providers with one application; searching a panel of direct lenders and brokers in real time, to return a quick secured loan decision in principle.

If you need a homeowner loan for any legal purpose then we could help. Looking to consolidate your debts, or perhaps you would like a home improvement loan? Whatever your requirements, simply complete our short form and if accepted, you could receive your loan faster than you think, with options to pay from 3 to 25 years dependant on the direct lenders requirements.

Once you submit your secured loan application, our smart homeowner loan sourcing engine instantly searches 100's of loan products and puts you in touch with a suitable direct lender / broker.

Cheap Loans is a trading style of TFLI Limited who is a licensed credit broker and not a lender.

Note: No one from Cheap Loans or any financial partner will ever contact you and request you to send money or ask you to buy any products prior to receiving your loan.

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What is a Homeowner Loan?

As the name suggests, a homeowner loan is a type of loan that is only available to UK residents who own their own home.

Homeowner loans (or secured loans as they are more commonly known) are secured against the borrower's home to alleviate risk for the lender. As a result of this additional security, borrowers are typically able to borrow larger amounts than with an unsecured personal loan, with amounts ranging from £10,000 up to £250,000

Homeowner loans can also be a cheaper loan option for those with bad credit for the simple reason that lenders have added security, meaning that they are able to lend at cheaper loan rates with more confidence.

Should you have any questions, we recommend that you take a moment to read our Key Information. Refer to our Privacy Policy for important information on the use of cookies. By continuing to use this website, you agree to this.

THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.

IF YOU ARE THINKING OF CONSOLIDATION EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT TO REPAY.

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

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Applicants must be homeowners and over the age of 18 to apply.

All applications will be subject to a hard credit search which will result in the search being recorded on your credit file. The credit check process could potentially have damaging influences on your credit file. All affordability assessments will be carried out in line with the individual direct lenders lending criteria.

Our cheapest loan rates are available to applicants with a good history of credit.

THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.

IF YOU ARE THINKING OF CONSOLIDATION EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT TO REPAY.

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TFLI acts as a credit broker and is not a lender. We use a consumer application system to allow our customers to make applications to a number of loan providers and brokers using a single online application form.

We work exclusively with a selected group of lenders and credit brokers to offer you a range of credit and loan products. We may receive a percentage of the loan amount as a commission from a loan provider or broker if you take out one of their products and/or we may receive a fee for introducing you to them.

You can request details of these commissions or fees, by emailing us at fees@tfli.co.uk. We will then provide you with the precise amount of the commission or fee or, where that amount is not known, the likely amount.

When you apply for a loan through us the lender will disclose directly to you all of the relevant information relating to interest and charges associated with the loan.

TFLI Ltd is authorised and regulated by the Financial Conduct Authority, number FRN 723630. Licenced by the Information Commissioners Office, (Registration Number Z3585914).

Registered in the UK, number 08424810. Registered Office Address: Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB