Looking to replace an old, tired living room suite that’s no longer fit for family film nights? Or perhaps you have a couple of credit card debts with eye-watering interest rates you’d like to consolidate?
A small loan might be just what you need to make it happen. With our flexible, award-winning loans you could apply to borrow £3,000-£4,999 online today.
9.9% APR representative when you borrow £3,000 - £4,999
You can pay back your loan over 1-5 years with manageable, fixed monthly instalments
No application or arrangement fee
Ready to apply?
It’s now quicker than ever to apply online. Simply start by entering your preferred amount and repayment period in our loan calculator – for example, a £3,000 loan over 3 years, or a £4,000 loan over 5 years.
You could get your money in as little as 2 hours, or the next business day, if you're accepted
It’s easy to start and manage your application online, you can sign and upload any documents we might need in just a few clicks
We’ll work out your interest rate, monthly payment, total cost and how likely you are to be accepted – without harming your credit score
All quotations are given for illustrative purposes only. Credit is subject to status.
Compare our other loan bands
Want to borrow a smaller amount, or explore a larger loan? Take a look at our loan options, ranging from £1,000 up to a maximum of £40,000*.
The rate you could get will depend on the amount you borrow and over how many years you’d like to pay it back.
£1,000 - £2,999
A small loan of £1,000 - £2,999 could be what you need to finally get round to redecorating the living room.
£5,000 - £7,499
Looking to buy a new car? A loan from £5,000 - £7,499 could help get you back on the road.
£7,500 - £25,000
Thinking about a loan to give your kitchen a complete makeover? We might be able to help with a loan from £7,500 - £25,000.
Before you apply
Ready to apply? First, make sure you understand how our loans work and check our lending criteria.
All about our loans
Explore our loan options, terms and conditions, plus the things you should think about before you apply.
Full lending criteria
Are you eligible for a loan? Check which types of income we’ll accept and things you can’t borrow for.
Got a question?
If you’re unsure of the loan process – our FAQ section is a great place to start.
Not quite ready to apply yet? It’s a good idea to do your research before taking out a small loan. We’ve got a library of tools and guides, full of tips, information and resources that you might find helpful.
Can I afford a loan?
Our guide covers different types of credit, budgeting, APR, credit scores and much more.
Confused by the financial jargon around borrowing money? Have a look at our loans glossary.
More tools and guides
Check out all our tools and guides, covering everything from planning your financial future to switching loans.
We treat all our customers and their applications on an individual basis. The APR we offer is determined by the details you supply and the loan you are applying for, along with an independent verification of your credit and repayment.
*Only Nectar members can borrow up to £40,000. Non-Nectar members can borrow up to £25,000.