Borrow £45,000

Borrow £45,000 with one of Proper Finance's reputable lenders

Are you looking to borrow £45,000? Proper Finance can help! We work with a wide range of lenders across the country offering a huge selection of different loan types. This means that we can help to match you with the right lender at the right price to suit your personal circumstances.

To borrow a loan of £45,000, simply click the “Find a loan” button below which will take you directly to our online application form. The application can be done in a matter of minutes and is 100% online.

Before deciding to take out a loan, make sure you have weighed up all your options and that you are making the right decision for your personal financial situation.


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What can I use a £45,000 loan for?

There are many different options available for how to best use a £45,000 loan. You may be looking to pay for a wedding, fund a large-scale home renovation, buy a new car, or maybe start a small business. Whatever your needs, Proper Finance has a lender for you.

One of the best options for a £45,000 loan would be a homeowner loan for which you can borrow anything from £5,000 to £2,500,000.

If you would like to read about the different loan options available, including how they function, and their specific eligibility criteria, visit our knowledge hub to find out more.


What are the benefits of borrowing £45,000?

Borrowing £45,000 through Proper Finance is likely to make a huge difference to your financial situation. We work to find you a trustworthy lender who understands your specific loan needs and can offer you the best rates on the market, from competitive interest rates to flexible loan terms.

Here are just some of the benefits of borrowing through Proper Finance:

  • 100% online process – the application process is completely online and you will receive an instant decision once completed. This means that it is more time-efficient than applying for a loan with your bank.
  • Free to apply – you can fill in an application with no upfront charges.
  • Fast access to funds – once your application has been accepted, you can receive funds within the same day and, in some cases, in less than an hour.
  • Adjustable and flexible – you can adjust the amount of money you want to borrow and the period of time you would like to borrow for.


What is the criteria for borrowing £45,000?

There is usually a great deal of variability between lenders when it comes to the eligibility criteria for borrowing £45,000. Also, it is largely dependent on the type of loan you choose. However, across the majority of loans, some eligibility criteria will be the same, including the following:

  • You must be a UK resident
  • You must be over 18 years old
  • You must have an active debit account
  • You must have a working phone number and email address

Certain lenders may have extra criteria so you should always check the terms and conditions of the loan before entering into any agreements.


Can I Borrow £45,000 If I Have Bad Credit?

If you have bad credit, it might still be possible to be approved for a loan; however, due to the large value of the loan, there may be much stricter lending criteria to which you will need to adhere.

It is probable that you will be asked to secure the loan with collateral in order to make the loan less of a risk for the lenders – this could mean putting forward your property, car or other valuable item as collateral. Also, those with bad credit will usually have to pay higher interest rates.

We work with a range of lenders across the country and will endeavour to find a lender who can suit your needs. However, if you have bad credit, you may want to explore other options before applying to take out £45,000.




Where Can I Find The Best Rates to Borrow £45,000?

Proper Finance works with hundreds of lenders across the UK to find the best possible loan match for you. Not only can we find you the perfect lender, we work to get you the best rates and save you the time and effort of shopping around and comparing loans.


How Quickly Can I Receive the £45,000?

Once you are approved for the loan, you can receive the funds on the very same day with the money arriving direct into your account within 24 hours.


What To Consider Before Applying to Borrow £45,000

To borrow a large amount of money, such as £45,000, there are usually certain factors to take into account. With larger amounts, lenders typically need to be more careful about who they lend money to. This may mean stricter affordability checks and the need for collateral. For example, lenders may specify that borrowers need a specific credit score in order to borrow money or that they have a certain minimum monthly income.


How Does Repayment Work for a £45,000 Loan?

You can work together with your lender to agree on a repayment plan that works for you. Most typically for a loan of £45,000 this will be paying off equal monthly instalments. The instalments will be a mix of the principal amount (the £45,000 initially borrowed) and interest rate. You can pay back the loan in monthly instalments until you have paid off the full amount or you always have the option to make an early repayment if this is convenient for you.


How Can I Borrow £45,000 With Proper Finance?

Applying for a loan through Proper Finance is simple – just click the button below! The button will take you directly to our online application which you can complete in just a few minutes. Once completed, you will receive an instant decision. As part of the application, you will need to share the following personal details:

  • Your name
  • Your date of birth
  • Your address
  • Contact details
  • How long you want to borrow money for
  • How much you want to borrow

To Find a loan, click on the button below. Simply fill in the form, providing the information specified above, and we will get back to you with an instant decision. Once approved, you could get your funds the very same day.

At Proper Finance, we care about privacy and will handle all of your personal details with complete care. Read more about our privacy policy at the following page.


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