Personal Loans From
£200 – £3,000
No upfront fees. No guarantor. A real decision in minutes.
Representative example: Amount of credit: £1,250 for 12 months at £125.32 per month. Total amount repayable: £1,503.84. Interest: £253.84. Annual interest rate: 35.6% (fixed). Representative 42.0% APR. The rate you're offered depends on your circumstances. Credit broker, not a lender. Soft searches only.
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
What Yes Loans offer
A straightforward loan, without the runaround
Good or Bad Credit
The rate you're offered reflects your circumstances. Lenders look at whether a loan is affordable - not just your credit history.
No Guarantor Needed
None of the loans we introduce ask you to provide a guarantor. It's just about you.
A Real Decision, Fast
Apply online and you'll usually get a genuine decision in minutes - a real yes or no, not a "decision in principle."
Terms To Suit You
Most lenders we work with do not charge a penalty for repaying early, so you may be able to clear your loan sooner and reduce the interest you pay.
Small Changes Equal Savings
A couple of tiny changes to how you borrow can add up to real savings - money that stays in your pocket instead of the lender's.
There are now substantial safeguards in place to help those in problematic debt. Read our debt guide to learn how to avoid 'kicking the financial can down the road'
Pay off early to cut your interest
Overpaying or clearing your loan ahead of schedule means you pay interest for less time - so less of your money goes to the lender. Most lenders we work with won't charge a penalty for settling early, though on loans over 12 months a small early-settlement charge (around 1%) can apply, so check your agreement first.
Borrow only what you need
It's sometimes tempting to round up "just in case," but every extra pound is borrowed at interest. Use the calculator to pick the amount that genuinely covers what you need, over the shortest term you can comfortably afford, and you'll pay less overall.
Set up a Direct Debit and never miss a payment
Late or missed payments can mean charges from the lender and damage to your credit file, which makes future borrowing more expensive. Paying on time by Direct Debit avoids those costs and helps build a stronger credit record.
Avoid borrowing to repay other loans
We urge people strongly to not borrow more money to pay back other lenders. There are better alternatives such as debt charities who can offer real long-term solutions.
Complete Our Online Application
A short form that only asks what we need to. No paperwork, no phone calls.
Receive An Immediate Decision
Because we work with over 35 lenders, more applicants find a match than they would with a single lender.
Receive Your Money
If your application is approved, you will typically have the money in your UK bank account within 20-30 minutes.
Pay off your loan early — usually with no penalty
Found yourself with a little extra at the end of the month? You're free to make overpayments or clear your personal loan early. Most of the lenders we work with won't charge you a penalty for settling ahead of schedule, and paying off a loan early reduces the total interest you'll pay - so if you're able to, it's usually money well spent.
It's worth a quick check of your own agreement first: on loans running longer than 12 months, a lender is allowed to apply a small early-settlement charge (typically no more than around 1% of the amount you repay early). Your loan agreement will spell out exactly what, if anything, applies — so you'll always know where you stand before you commit.
Common questions
The things people ask us most
If you don't find the answer you're looking for here, please check out our more in-depth Frequently Asked Questions page.
Are there really no fees?
There are no upfront fees of any kind. We never ask for your card details during the application process, so it is impossible for us to take payment from you. Furthermore, no legitimate UK lender requires upfront fees; it is a practice that has not been standard in the industry for over a decade.
Yes Loans Team
Will I be accepted?
We can't promise - it depends on the lender's affordability assessment. Applying doesn't guarantee a loan, and it's not a commitment by you to borrow the money if you are approved. You are free to walk away if the terms don't fit your needs.
Yes Loans Team
Are you on the high street?
No. The only way to apply with Yes Loans is through this website.
Yes Loans Team
I've been cold-called by "Yes Loans" - is that you?
No. We never cold-call or ask for a payment to release a loan. If someone does, hang up - it's a scam. Never pay a fee upfront for a loan.
Yes Loans Team