Do You Need to Borrow Money?
Do It The Proper Way

Our Lenders

We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.

If You Need to Borrow Money, Proper Finance Can Help

If you need to borrow money for life’s important moments, whether it is to pay for home improvements, weddings or even for your business, Proper Finance is here to help you to do things proper.

We understand that in today’s climate, finding the right type of finance and affordable rates can be tricky. So if you are going to borrow money today, we are here to make sure you do it right and do it proper!

Proper Finance is a trading style of Lending Expert Limited and we help you to compare rates across the UK market for a range of financial products. If you are looking to borrow money, we can help.

Our loans range from £1,000 to £500,000 and can be used for any purpose, including debt consolidation, buying a car or just to free up some cash for your business or your family.

With rates starting from around 6.5% depending on your circumstances, you have the option spread repayment over 3 to 30 years in monthly payments, with the option of early repayment into.

By clicking on apply now, you will be able to enter a few details and either receive an online loan offer, or one of our broker partners will call you back to discuss your loan requirements as soon as possible. We have a number of loan options available for people with good, fair and bad credit and everything else including for those who are self-employed or over 60.

Our lending and broker partners will review your individual requirements and place you with the best secured lender from their panel across the UK. You will be required to use property as security for your loan and we always aim to complete and fund your loan as quickly as we can, within a few working days. 

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Property Finance

Can I Borrow Money with Bad Credit?

Yes, we offer a number of ways to borrow money with bad credit scores or histories. At Proper Finance, we mostly specialise in secured loans, so by using your home or property as collateral, this gives the lender more security than a typical loan.

Therefore, the eligibility criteria is usually less strict than other traditional products and you may be able to access lower rates than other bad credit or personal loans too.

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 security your can use, a stable income and are committed to paying your loan on time.

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What is The Eligibility Criteria?

  • Over 18 years of age
  • Full-time UK resident
  • Stable employment and regular income (full-time or part-time)
  • Options for both homeowners and tenants
  • Must be able to afford repayments
  • No recent bankruptcy
  • Valid UK bank account and mobile phone account
  • Bad credit and CCJs considered

Why Should I Use Proper Finance to Borrow Money?

We are delighted to work with a wide range of FCA authorised lenders and brokers. Our aim is to help you get the most affordable rates across the whole of the UK market.

We are pleased to offer no fees for applying, with no impact to your credit score or obligation to proceed.


Our belief is that being able to borrow £1,000 or £500,000 can make a huge difference to your life, your business and your loved ones. So if you are going to search the market and make a big life decision, we want you to do it proper.

Starting by clicking on the ‘apply now’ button where you will be able get an online result in just a few short minutes.

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Property Finance

How Much Can I Borrow with Proper Finance?

Customers can apply to borrow £1,000 to £500,000 repaid over 1 to 30 years in monthly repayments.

Our loans are both unsecured (personal loans) and secured against properties that you own – so it is important to have valuable assets to borrow larger amounts.

You do not need to own the property outright, since you could own the property with an existing mortgage.

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 rates starting from 6.5% APR, but this may vary depending on the product and your personal circumstances.

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 or property – as long as you are up to date with payments, have good equity in the asset, the property is in good condition and you can afford to repay on time, our loans are available from around 6.5% APR.

Every application will be assessed on an individual basis and rates may vary between providers, the type of property you have and your personal credit history.

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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.

For mortgages or others loans secured against your property, your house or property may be repossessed if you do not keep up repayments. However, this is a last resort and the lender will take a number of measures in line with FCA regulation to recover their funds.

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. Soft searches are not visible to companies – so they have no impact on your credit score or any future credit applications you might make.

Can I Borrow Money Without a Guarantor?

Yes, you do not require a guarantor to be eligible, we have a number of secured loan options which you can apply for directly and you do not require any co-signers or other parties involved.

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.

The only fees to be aware of are lender fees which will be the interest you are charged each month and any broker or arrangement fees which will be clearly presented to you before you proceed.

Is Proper Finance a Direct Lender?

Proper Finance is not a direct lender, we are a price comparison website working with one of the UK’s best brokers. We have access to more than 100 regulated lenders across the UK for secured loans, mortgages, equity release and more.

By working with a whole of market broker, you are saving huge amounts of time and effort. We save you the energy of having to go to each lender one-by-one and face possible rejection and we always aim to do what is best for you to help you get your loan and secure the most affordable rates.