Debit Card Loans

Using your debit card to apply for £100 to £50,000

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

A debit card loan is a type of loan that requires you to have an active debit card in order to apply and then receive and repay your loan.

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In partnership with Smart Loans




Debit card loans are often preferable to cash loans or loans that are delivered by cheque, given that most outlets are now card-payment-centric. For some, it is easier to keep track of transactions when using one’s card (with bank statements, etc) than when paying with cash. With a debit card loan, you are not subject to the risk and confusion of carrying multiple credit cards, all of which could seriously harm your credit score.

How do I make repayments?

With a debit card loan, your repayments (usually monthly) will come out of your debit account – the same account that the loan is paid into. The benefit of this is that all of the financial transactions are happening in one place; there is no need for you to be transferring funds between accounts, and there is no risk that repayments will be taken unexpectedly.

With a debit card loan, your repayments are generally on a monthly basis, unless you have agreed otherwise with your lender of choice.

Is a debit card loan right for me?

If you are in need of a quick loan to boost your debit card balance, and you can expect to be able to make your monthly repayments (with interest added) from your debit card, then a debit card loan may be the right loans product for you. If you receive your salary into your debit account, this is probably the easiest loan to receive in terms of organising your funds. Of course, your debit card loan can still be taken out at an ATM or at your local bank if you should need cash-in-hand.

How does our site work?

Firstly, use our free and simple comparison table to compare rates from our list of featured lenders. You can click through and apply on their website directly. Alternatively, you can provide us with a few of your details and one of our partners will get back to you as soon as possible to discuss your options.

Because we have partnered with multiple lenders, we are able to offer you choice you deserve when it comes to finding the right loan for you. With us, you are free of the restrictions and set-rates involved in looking at a single lender.

At Proper Finance, we allow you to borrow from £50 up to £50,000 from one of our many lenders.


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In partnership with Smart Loans



The main benefits of using our website include:

  • No upfront fees
  • We will not pass on your details to third parties without your permission
  • Our site is on a secured server (https) to protect your details
  • Compare rates from several competitive lenders
  • Choose from over 50 different unsecured loan products

The criteria for applying:

Whilst the criteria may vary between lenders, the eligibility factors include:

  • Must be a UK Resident;
  • Must be over 18 years of age;
  • Must have a working debit account, email address & phone number;
  • Must be employed, earning at least £500 per month and able to afford monthly repayments;
  • Must have an active debit card;
  • Must have no history of bankruptcy, CCJs or IVAs.

What happens if you cannot repay your debit card loan?

Failing to repay your loan may result in your credit rating being negatively impacted, which could harm your ability to access other financial products in the future. If you take out a loan that is secured against an asset, such as your home or your car, defaulting on your repayment could lead to the repossession of that asset.

Please ensure that you choose a realistic repayment term when applying for a loan with any one of our providers such that you are able to make your monthly payments. If you expect that you will not be able to make a monthly repayment, ensure to let your chosen lender know in advance. Most lenders have sympathetic policies which allow for a grace period of a couple of days if you ensure to notify them of your situation.


Apply Now


In partnership with Smart Loans