We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.
Proper Finance can help you to borrow £12,000, £13,000, or £14,000 today for emergencies, tax bills, home improvements or more. We provide access to competitive rates starting from 6.5% APR with thanks to our partner, Lending Expert, who has access to FCA regulated lenders across the UK.
We can connect you with the perfect lender to meet your unique requirements. With our loan options, you can enjoy flexible repayment terms ranging from 3 to 30 years, allowing you to manage repayments over a timeframe that suits your financial situation.
We understand that individuals with bad credit may also need financial support, and we have options available to accommodate your needs.
To begin your application for a £12,000, £13,000, or £14,000 loan, simply click the “Enquire” button above. Our online application process allows you to submit a request within minutes.
Please note that Proper Finance specialises in secured loans, where eligibility is based on providing security such as your property, house or flat. There is a risk of repossession if the loan is not repaid in full.
In order to apply for a secured loan of £12,000, £13,000, or £14,000, you will be required to provide personal and financial information using our quick form. Our team will assess your application and provide a loan amount, interest rate, and repayment terms upon approval.
Use our quick form for a free quote, and we will match you with a member of our partner’s trusted network of FCA regulated lenders. You will be required to use your property or home as security for the loan. The lender will evaluate your asset’s value, creditworthiness, and other factors to determine your eligibility.
Secured loans can be a suitable option for certain individuals based on their specific financial circumstances and needs. For example secured loans can often come with lower interest rates compared to unsecured loans. This is because the lender has the assurance of security which reduces their risk. Lower interest rates can result in lower monthly payments and potentially save you money over the loan term.
Secured loans typically allow borrowers to access larger loan amounts compared to unsecured loans. If you require a substantial sum of money for a major expense, such as home renovations or debt consolidation, a secured loan may be a viable option.
Secured loans often also offer longer repayment terms, allowing borrowers to spread out their payments over a more extended period. This can make the loan more manageable and affordable by reducing the monthly repayment amount.
Secured loans can be easier to obtain for individuals with lower credit scores or limited credit history. Since the collateral mitigates the lender’s risk, they may be more willing to approve the loan application even if your creditworthiness is less than perfect.
Yes! It may be more challenging to borrow £10,000 if you have bad credit, but it is far from impossible. Our network of lenders offers a variety of loan types, and our goal is to find the ideal loan match for your unique financial situation. Therefore even if you have bad credit or have had a previous loan application denied, it is worth applying today with Proper Finance.
Borrowing £12,000, £13,000, or £14,000 can have either positive or negative effects on your credit score, depending on how responsibly you manage the loan. If you make timely payments then this will reflect positively on your credit score. On the other hand, if you make late payments or default on your loan, this will lower your credit score.
£12,000, £13,000, £14,000
|Annual Percentage Rate (APR)||6.5%|
Flexible (varies by lender)
|Repayment Period||3 to 30 years|
Creditworthiness, income and security
Varies (typically quick)
Possibility of repaying the loan before the term ends
The time it takes to receive a £12,000, £13,000, or £14,000 loan can vary depending on several factors, including the lender’s processes and your individual circumstances. To speed up the loan process and receive the funds more quickly, you can:
In most cases, you can use the loan amount for various purposes, such as home improvements, debt consolidation, education expenses, or other personal needs. However, it’s advisable to check with the lender for any specific restrictions or limitations.
To start the application process of borrowing £12,000, £13,000, or £14,000 through Proper Finance, simply click the “Enquire” button at the top of the page. Our quick and comprehensive online application can be completed in just 5 minutes. Upon submission, you will receive a prompt decision on your loan request. The application form will require the following personal details:
Our online application only takes 5 minutes to complete, is free to use and our partners will come back to you as quickly as possible. Once approved, you could also receive funds within a few days.