Banner for Home

Loans Up To £35,000

Personal loans that get your plans off the ground

Voted UK’s Best Personal Loan Provider for the last 9 years running

Low rate loans from

7.4 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

Low APR loans of up to £35,000 for life’s next step

Whatever you’re planning, a loan from Novuna Personal Finance can help you make it happen. Our low-interest loans are tailor-made to suit you, with an online application that makes everything quick and easy. It’s why we’ve been named the UK’s Best Personal Loan Provider by for the last 9 years running.

A loan is a great way for you to get access to the money you need sooner. Make big purchases, create memories and enjoy once-in-a-lifetime moments without worrying about paying for it all upfront. Spread the cost over a series of fixed-rate monthly repayments instead.

Choose a loan provider you can trust

You can count on Novuna Personal Finance to help you find the loan you’re looking for. Here are just some of the reasons our customers choose Novuna

  • Loans from just 7.4% APR Representative (£7,500-£25,000)

  • Borrow between £1,000 and £35,000

  • Repayment terms from 2 to 7 years - whatever suits you

  • Simple online loan application that takes minutes to complete, giving you an instant decision

  • If your application is accepted, once complete the money could be yours within 48 hours

  • Fixed-rate monthly payments to help you manage your outgoings

  • No application or arrangement fees

  • We make it easy to settle your loan or make overpayments

  • Manage your account online, via our app, or speak to our award-winning team

  • Borrow from one of the UK’s most reputable lenders with over 40 years of experience

Find the right loan for you

Our loans have helped people travel the world, transform their home and take off in a brand-new car, boat or campervan. So, how can we help you?

Personal Loans

Make it today, not one day. Whatever you need a personal loan for, with us you could borrow between £1,000 and £35,000 over 2 to 7 years.

Car Loans

Make it the car that’s made for your life journey. With our car loans, the money could be in your bank within two working days.

Home Improvement Loans

Low interest home renovation loans can help you to transform your property into a place to love, not just to live.

Small Loans

Our small loans are big on value. Borrow between £5,000 and £7,499, with one of the best rates on the market.

Loan calculator

Choose how to calculate your loan repayments

Our price promise

Representative Example:

Monthly repayment


Interest rate

{value}% APR

Total amount payable


Loan amount


Loan Term

{value} months

Apply Now

Our price promise

Remember, the rate you are offered may vary due to personal circumstances and loan amount, the majority of our customers receive the advertised rate. However, if you complete an application directly via the Novuna Personal Finance website and are given a higher APR, we guarantee that you'll never pay more than £236.39 per month with our maximum 32.7% APR Representative when you borrow £7,500 over 5 years*.

The maximum APR you could be offered when you borrow other loan values is 36.4%*. All loans are subject to status.

*Only for applications carried out directly via the Novuna Personal Finance website

Am I eligible for a loan?

It’s simple to apply online. You’ll need to have your employment details (including annual income), bank account details and address history for the last three years to hand before getting started.

To apply for a Novuna Personal Finance loan, you must:

  • Be aged 21 or over
  • Have a bank or building society account
  • Be a permanent UK resident (and have been living in the UK for at least 3 years)
  • Be in permanent paid employment, self-employed or retired with a pension
  • Have an income greater than £10,000
  • Have a good credit history

How to apply for a loan

Forget reams of paperwork and a lengthy decision-making process. A Novuna loan is just a few clicks away…

  1. Use our loan calculator to get a quote
  2. Fill out our quick online application form
  3. Get an instant decision on your application, so there’s no waiting around
  4. If your application is accepted, read and e-sign your credit agreement
  5. Look out for the money being deposited into your account within two working days
  6. No paperwork, no hassle – all important documents will be emailed over to you and you can manage most aspects of your account online or via our app

We also offer the option to open a new application by telephone. Please contact 0343 351 9112 to speak to our team.

Personal loans with a personal touch

Borrow between £1,000 and £35,000 at competitive personal loan rates from just 7.4% APR Representative (£7,500 to £25,000). Your rate will be fixed throughout the full term of your agreement, helping you to manage your monthly outgoings.

We work hard to keep our rates as low as possible. While the majority of customers are given the advertised rate of 7.4% APR Representative, the rate that you receive will be based on your credit history, personal and financial circumstances, loan amount and term.

If you didn't get the rate you wanted, you could extend the term of the loan which could help lower your monthly repayments. You won't need to reapply to do this, simply change the term when you e-sign. Do be aware, though, that you could end up paying more interest in total if you borrow money for a longer period.


Each of our tailormade personal loan products are available to apply for online. Whether you need to borrow £5,000 for a once-in-a-lifetime holiday, £10,000 to renovate your home or take out a £25,000 loan so you can drive away in your dream car, we can help to make it happen.

We like to keep things straightforward. Our online application form will just take a few minutes to complete, and you could receive an instant decision. If accepted, simply e-sign your credit agreement. The funds will be yours within two working days, and all documentation emailed over. A paperless process, loved for its simplicity.


We know that every customer is different, and we’ll treat you that way. That’s why you’re in control of almost every aspect of your account:

  • Make overpayments whenever you like
  • Settle your loan early
  • Choose the date your payment goes out on (from your second payment onwards)
  • View your remaining balance
  • Update your personal information
  • Change Direct Debit or payment details
  • Exchange messages with our Customer Support team

If managing your finances online isn’t your thing, our friendly loans team are here to help too – simply contact us on 0343 351 9112 to get help completing a new application or on 0344 375 5500 for general enquiries.


Our unsecured personal loans don’t require you to put up collateral when you borrow money from us. As you’re not putting up an asset as collateral — such as a house or car — an unsecured loan is often considered less risky.

An unsecured option allows you to take out a loan between £1,000 and £35,000 and pay it back between 2 and 7 years (depending on your agreed terms) at a fixed APR and monthly repayment cost without direct risk of losing any assets if you fail to make your repayments.

Find out more about the difference between secured and unsecured loans here.


Borrowing money directly from us cuts out the need for a broker or comparison site to act as the middleman. From start to finish, you know exactly who you’re dealing with.

No upfront fees, hidden costs or surprise charges.

Just a transparent and seamless experience.


We’ve been voted the UK’s Best Personal Loan Provider for the last nine years for a reason: we always put our customers first.

Our personal loan products are tailor-made to suit you, with our offering constantly evolving and advancing to enhance customer experience. Take our app, for example — manage almost every aspect of your loan on-the-go, with our experts on hand to help if you need them.

Our team has achieved an average satisfaction score of 4.9/5 stars from customers just like you. Why not join our growing group of happy customers by taking out a personal loan with us?

We are proud to be an official Feefo Platinum Trusted Service for 2023. Read all reviews.

Named The Best Personal Loan Provider by, for the last nine years.

We won Best Personal Loans Lender at the recent Personal Finance Awards.


Already have a Novuna loan?

Manage your account online

Existing customers can register for an account within minutes. Check your balance, make payments, get a settlement quote, change your payment date, update your personal information, review your payment details and much more.

Download our app

All the benefits of an online account at your fingertips. Once registered, simply use biometrics to sign in. Why not opt in to notifications to get the latest updates on your account too? Download our app via the App Store or Google Play.

Talk to our team

Manage your account over the phone by speaking to our award-winning Customer Experience team. They’re available 9am to 6pm, Monday to Friday (excluding bank holidays). Call 0344 375 5500 or email us.

Visit our FAQs

Can’t find what you’re looking for? Our FAQs cover everything you need to know about managing your account, from how to make payments to resetting your online login details. Visit our FAQs page to search for your question.

Real customer reviews

We’ve helped millions of people just like you get to their goals sooner. Hear about their 5-star experience taking out a loan with us. Read our real-time reviews or explore our customer case studies

Our recent awards

Learn more about loans with our handy guides