Borrow £45,000

Check Your Eligibility For a £45,000 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.

If you are looking to borrow £45,000 for an important celebration or purchase, Proper Finance is here to help you today!

You can apply for a £45,000 loan repaid over 3 to 30 years in monthly repayments.

Proper Finance is a price comparison website and we help you to compare rates across the UK market for a range of financial products. For £45,000 loans, we are partnered with Lending Expert who work with a number of FCA regulated lenders.

Our application starts online and takes just a few moments to get going. With no fees for applying and no impact to your credit score, our partner and their advisors will get in touch with you as soon as possible and we aim to help you receive funds as quick as we can.

Using security may be at risk of repossession if your loan is not repaid on time.


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Key Features of a  £45,000 Loan

Rates From 6.5% APR
Direct Lenders Yes
Security Required Yes
Bad Credit OK Yes
Free to Apply Yes
Apply Online Yes


What Can I Use a £45,000 Loan For?

  • Home improvements and renovations
  • Debt consolidation
  • New car purchase
  • To help family and friends
  • Business expenses or tax bill
  • Home repairs
  • Car repairs
  • Medical bill or vet bills
  • Funeral costs
  • Pay rent
  • Holiday
  • Childcare costs
  • Student tuition


What Are The Pros To Borrow £45,000?

Here are just some of the benefits of applying with Proper Finance:

  • Online process – the application process starts online and with some details, our partners will be touch as soon as possible. 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, we aim to complete your loan and send funds to your bank account as soon as possible.
  • 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.
  • Bad credit considered – even if you have poor credit or no credit, you can be eligible by leveraging some valuable security such as a property, flat or home.



What is The Eligibility Criteria To Borrow £45,000

  • 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
  • Provide security – your property, house or flat
  • No recent bankruptcies
  • Can afford monthly repayments


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

Yes, you can apply for a £45,000 loan with bad credit and you can still be approved.

At Proper Finance, we only offer secured loans to make it less risky for lenders and this means putting forward your property as security. It is important to understand that with a secured loan you could lose your property if you fail to make repayments long-term.

Bear in mind that if you have bad credit, you may be subject to paying higher rates of interest in order to manage risk for the lender.

Plus, the loan amount and duration may be adjusted in order to make the loan more affordable for you. However, we are proud to work with a number of quality lenders who will assess every personal situation and help you get the finance you need.


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

Proper Finance is proudly partnered with Lending Expert who work with more than 10 FCA regulated lenders across the UK. With rates from 6.5% APR, you can get the lowest rate possible based on:

  • A good credit score
  • Not too much existing debt open
  • Being a homeowner
  • Having a stable income and employment
  • No recent bankruptcy or CCJs
  • Using your property as security and it is good condition


How Fast Can I Get a £45,000 Loan?

We are able to complete on loans within 24 to 48 hours. The things that hold up an application are valuing any security used and confirming your rights as an owner of the vehicle or property. If everything is ready and prepared and you are quick to respond, you can certainly receive the funds as fast as possible.

In addition, to get a fast loan, you should:

  • Have any deeds, ownership docs and bank statements ready and available
  • Be available by email or phone for any follow up questions
  • Provide true and accurate information (or the lender will have to follow up for this)
  • Apply during working hours for extra speed (although we do fund on weekends)




What To Consider Before Applying to Borrow £45,000

  • Can I afford to repay the loan? Will I use my income to repay?
  • What happens if I do not keep up with repayments?
  • Have I considered all other options? i.e borrowing from friends or family
  • I could lose my security if I do not repay on time


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

Your £45,000 loan will be repaid over 3 to 30 years (of which first 5 years are fixed monthly instalments), with the option to repay early.

Your loan repayment date is the same each month, on a day that you agree with the lender, usually the last working day and collections are taken automatically out of your account, similar to a direct debit.

You also have the option to make an early repayment if this is convenient for you and will often save money on the overall interest accrued by doing so.


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 a decision shortly after. 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 a decision very soon. Once approved, you could get your funds the very same day or next business day.


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