Do You Need to Borrow Money?
Proper Finance Can Help

How much do you want to borrow?

How long do you want it for?

Are you a homeowner?

We found a great deal for you:

£126 per month 2.9% APR (representative) Check elegibility

Do You Need to Borrow Money? Proper Finance is Here to Help

If you need to borrow money for an emergency or personal expense, Proper Finance can offer a number of viable options, comparing more than 50 different lenders in the UK. When you are looking for ways to borrow money, you want to do it properly and that is is actually what Proper Finance is here to achieve!

We are an independent and impartial price comparison website, with access to a range of products including unsecured, secured, credit cards, guarantor and more!

Whether it is £500 for an emergency or looking to borrow £50,000 for home improvements or wedding, we can help find the right product for you, with the best rates and highest approval possible.

We do not charge any fees for using our service and never will. Applying will not have any impact to your credit score and depending on the product, you can receive your loan within a few hours or few days of applying! And that’s proper!

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Can I Borrow Money with Bad Credit?

Yes, we offer a number of ways to borrow money with bad credit scores or histories. Whilst you may have missed the odd payment in the past, we have a number of lenders who are willing to take a view on poor credit, just make sure that you have a stable income and are committed to paying your loan on time.

Our loans for people with poor credit can allow you to leverage any assets such as your car, home or other property – so that you can borrow the money you need at the lowest rates and most flexible terms possible!

Why Should I Use Proper Finance to Borrow Money?

We understand the headache of trying to find the best loan at the best rates possible – and if you are applying on website after website, it can feel like a never-ending soap opera.

Our goal is provide a number of highly competitive quotes in one place, or use a specialist broker who can assist you. So with Proper Finance, we have spent years bringing the best UK lenders under one roof so that you can access a number of competitive quotes and find the best way to borrow money today.

We have products for everyone, whether you are looking for loans with good credit scores from 3% APR, or if you are looking for a product which is secured or guarantor. We are here to help you today.

What is The Eligibility Criteria?

  • Over 18 years of age
  • Full-time UK resident
  • Stable employment and regular income (full-time or part-time)
  • Good or fair credit score (for personal or unsecured loans)
  • Valuable asset that you own (secured or logbook)
  • No recent bankruptcy
  • Valid UK bank account and mobile phone account
  • Bad credit and CCJs considered
Property Finance

How Much Can I Borrow with Proper Finance?

Customers can apply to borrow £100 to £25 million depending on our range of products that include secured, unsecured and guarantor. For small amounts, these products are usually unsecured and you just require a regular income and good or fair credit score to be eligible. For larger amounts, these are often secured against properties that you own, either residential or commercial – so it is important to have valuable assets to borrow large amounts.

How Can I Borrow Money at The Best Rates?

The best rates to borrow money are usually available to those with very good credit scores, highlighting a consistent repayment of other loans and credit cards over time. This will give you access to personal and unsecured loans from 3% APR.

However, if you have bad credit, you can still borrow money at low rates. With a secured loan, you can borrow money against your home, car or property – as long as you are up to date with payments, have good equity in the asset and can afford to repay on time, products are available from around 3.34% APR.


What Happens if I Cannot Repay My Loan?

Failing to keep up with loan repayments will often result in follow-up emails, calls and messages from your creditors. Over time, this will incur late fees and negatively impact your credit score, making it harder to access finance and credit in the future.

Does Applying to Borrow Money Impact My Credit Score?

No, making a loan application through our website will not affect your credit rating. There may be a soft search on your credit file and this is a way of checking your credit score and finding the loan most suitable for you. A soft search disappears from your credit file shortly after applying.

Can I Borrow Money Without a Guarantor?

Yes, you do not require a guarantor to be eligible, we have a number of unsecured options which you can apply for directly, or you can use a secured product, borrowed against your home or vehicle.

Will I Be Charged Any Fees for Applying?

No, there are no upfront fees for the customer or any fees for just making an application. The Proper Finance website is free to use and always will be. We may receive a commission from the lender if your application is successfully funded or approved, but this will not incur a charge to you. Naturally, you as the borrower will incur interest for your loan, but this will be directly with the lender and rates will be agreed before you proceed.

Is Proper Finance a Direct Lender?

Proper Finance is a comparison site that is registered and authorised by the Financial Conduct Authority. We work with over 100 lenders so that you can compare products and by clicking on the lender of your choice, you can apply directly on their website. If we have an application form, this will be sent to one of our partners who is best suited to your requirements including loan amount, duration and credit status.