Borrow £25,000

If you are currently in a situation where you are looking to apply for a loan, you may potentially be unsure as to what your plan of action should be. After all, with so many options available on the high-street and online, how do you know which lender to choose, and how can you compare them all without it turning into a long, time-consuming process? This is where Proper Finance.

Proper Finance offers you the possibility to borrow £25,000 through a variety of loan types, enabling you to get the financial support you need, safely and efficiently. The Proper Finance team only works with the most reputable lenders in the industry, giving you peace of mind that you will be in safe hands.


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What kinds of loans allow you to borrow £25,000?

If you are looking to borrow £25,000, you may be wondering what kinds of loans offer you this possibility. Below are the main categories of loans that you can choose from through Proper Finance that allow you to borrow £25,000 and over

  • Personal loan (From £1,000 to £35,000)
  • Peer to peer loan (£1,000 to £35,000)
  • Unsecured loan (£50 to £25,000)
  • Business loan (£25,000 and over)
  • Homeowner loan (£5,000 to £2,500,000)


What would you use £25,000 for?

Before deciding to pick a loan and apply through one of our associated lenders, it is vital that you have established the reasons why you have chosen to take out a loan in the first place. Taking a loan out with any lender is a big financial commitment, and it is a decision that should always be carefully considered beforehand, and clarifying what you want to use the loan for will also inform your choice as to what kind of loan you choose.

Commonly cited reasons to use a £25,000 loan include:

  • Business purposes: setting up a new company, managing cashflow, etc,
  • Purchasing a new car
  • Home improvements or renovations
  • Buying a property


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How do I apply for £25,000 with Proper Finance?

The Proper Finance team has made every effort to try and make sure that the application process to apply for a loan is as simple as it can possibly be. To apply, all you need to do is click on the button at the bottom of this page. You will then be required to fill out our online application form, which should take you no less than 10 minutes to complete, and it forms an essential part of the process in order to determine not only your eligibility but also what loans would be best suited to you in your situation.

We would also like to make clear that Proper Finance will always handle your personal details with the utmost of care.




How Quickly Can I Get The Funds?

Once approved for your loan, you can get the funds directly into your account within 24 hours!


What are the criteria for a £25,000 loan with Proper Finance?

Have you made a decision in terms of the kind of loan you would like to apply for, but are unsure as to what the eligibility criteria for a £25,000 will be through one of Proper Finances lenders? In terms of criteria, it can vary depending on the loan type you have chosen, and this is why it is important to check the terms and conditions before making an application, to ensure you meet the criteria. Typical criteria for borrowing includes:

  • You may be asked to provide collateral for the loan (such as a car or property)
  • A stable regular income, usually over £15,000 per annum.
  • A UK resident
  • You may need a strong credit score to benefit from the best rates for loans of £25,000.
  • You may need to be over 18 years old or in some cases at least 24 years old (such as personal loans) to apply.


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Do I Need To Have Good Credit To Apply For a £25,000 Loan?

If you have bad credit, it is still possible to apply for a loan with Proper Finance however the lending criteria may be stricter. For example, your lender may ask you to secure the loan with collateral meaning that you will need to secure the loan against your home, car or other item of value – this acts as a guarantee for the lender and makes the loan less risky for them. You also may be subject to higher interest rates for your loan. If you have poor or bad credit, a £25,000 loan may not be your best option and it might be worth seeking financial advice before applying.


How Do I Repay My £25,000 Loan?

Your exact repayment plan will depend on what agreement you make with your lender. Repayments will always involve paying off the principal amount (in this case the £25,000 that you borrowed) and interest. Depending on what you agree with your lender, you could repay back the loan within the month or you could arrange for equal monthly repayment instalments. There is also always the option to repay the loan earlier if you choose to do so.