Borrow £25,000

Apply For a £25,000 Loan Today!

Our Lenders

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

Borrow £25,000 with Proper Finance today with the option to repay over 3 to 30 years in monthly payments.

We are a price comparison website and we help you to compare rates across the UK market for a range of financial products. For £25,000 loans, we are partnered with Lending Expert who work with a number of FCA regulated lenders.

We offer secured loans, whereby you can use security such as your home to maximise your borrowing potential. With affordable rates from 6.5% APR, you can start your application today with no impact to your credit score.

Please note that the asset you use as security may be at risk of repossession if your loan is not repaid on time.


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How Can I Borrow £25,000 Today?

Homeowner Loans – If you own a home, flat, bungalow or other kind of property, you can use this as leverage to borrow £25,000. It is perfectly acceptable if you do not own the property outright and only through a mortgage. Based on its value, condition and how much equity you have in the property, you can borrow the amount you need or even more such as £30,000 or £45,000.

Secured Loans – Use your property as security and borrow a portion of its value upfront. This may be ideal for people with bad credit who have been turned down for more mainstream finance since owning a property can be deemed valuable in the eyes of the lender and help you access much needed funds.  Your security is at risk of repossession if your debt is not cleared.

Debt Consolidation Loans – Pay off your outstanding personal loan or credit cards by putting all debts into one more manageable repayable loan. This will also be secured, using something valuable you own as security.



What Would You Use a £25,000 Loan For?

It is always important to consider the reasons for taking out a loan in the first place.

Reasons for a £25,000 loan include:

  • Business purposes such as setting up a new company, managing cashflow, tax bills
  • Purchasing a new car
  • Home improvements or renovations
  • Buying a property
  • Weddings
  • Holidays
  • Funeral expenses
  • Debt consolidation


How Do I Apply To Borrow £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 more than 5 minutes to complete and our partners and their advisors will be in touch as fast as possible. 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 you are fully approved for your loan, you can get the funds directly into your account as fast as possible. You can always speed up your application by providing accurate information and having any additional details on hand just in case the lender asks for it including bank statements, payslips, proof of vehicle and property ownership.


Key Features of a £25,000 Loan

Loan Duration 3 to 30 years
Rates From 6.5 %APR
Direct Lenders Yes
Security Required Yes
Bad Credit Accepted Yes
Free to Apply Yes


What is The Criteria For a £25,000 loan with Proper Finance?

  • Requires security or property
  • A stable regular income and employment, usually over £15,000 per annum.
  • A UK resident
  • Bad credit considered
  • You may need to be over 18 years old
  • No recent bankruptcy


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Can I Apply For a £25,000 Loan With Bad Credit?

If you have bad credit, it is still possible to apply for a loan with Proper Finance and get the funds you need.

You will typically need to secure the loan against your home, flat or other property – this acts as security for the lender and makes the loan less risky for them. It is important to understand that with a secured loan you could lose your security if you fail to make repayments.

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. See also bad credit loans.


How Do I Repay My £25,000 Loan?

  • Repay over 3 to 30 years
  • Equal instalments fixed for first 5 years
  • Select your repayment date each month
  • Automatic collections by the lender
  • Option to repay early at any time