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Personal Loans

Have you found something you really like?

Low rate loans from

7.4 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

Low interest personal loans for life’s next step

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

Boost your budget by up to £35,000

Low rates, low cost

Fixed-rate loans with no surprises

Quick and simple application

Manage your loan your way

We lend over £2 billion a year

Want a FREE tastecard with your loan?

Apply directly and you could claim a free 12-month tastecard membership, which now also includes 'Coffee Club' discounts too.

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Novuna customers could save over £1,000

Apply before midnight 31 July 2024, and get the power of tastecard in your pocket. You can save big on meals out, pizza delivery, top family attractions, cinema trips and even your daily coffee fix. There's thousands of deals at the UK's most popular places.

Personal Loan Calculator

Find out how much our loan could cost each month and in total based on our representative APR. Simply change the amount you wish to borrow or the loan amount to get an instant result.

Choose how to calculate your loan repayments

Representative Example:

Monthly repayment


Interest rate

{value}% APR

Total amount payable


Loan amount


Loan Term

{value} months

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A loan of £7,500 over 5 years: rate of interest 7.4% (fixed), 7.4% APR Representative, monthly repayment of £149.09, total repayment of £8945.40

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

How much are people borrowing from Novuna?

Over the last 6 months we've asked all our customers what they were borrowing money for and here's the results. So whatever it is you're dreaming of, big or small, our loans of £1,000 to £35,000 are helping thousands make their important thing happen.

Average loan figures valid as of 14/06/24.

Make your important thing happen

Ready to get started?

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

  1. Use our online loan calculator to get a quote, providing you with an estimated monthly repayment figure
  2. Fill out our quick online application form – it’ll take less than ten minutes to fill out and you’ll get an instant decision
  3. If your application is accepted, read and e-sign your credit agreement
  4. Look out for the money arriving in your account within two working days
  5. Start managing your account online or via our app

As part of your personal loan application, we’ll ask you to tell us your employment details (including annual income), your bank account details and your address history from the last three years. Please have this information to hand to speed things up.

You can also open a new application by telephone if you’d prefer to speak to one of our loan experts. Just give our team a call on 0343 351 9112.

Check your eligibility

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

  • 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
  • Be aged 21 or over
  • Have a bank or building society account
  • Have an annual income of at least £10,000
  • Have a good credit history

Remember, we’re not a bank so you don’t have to be an existing customer or have any kind of membership to apply with us!

Get in touch with us

Speak to our team

Manage your account over the phone by speaking to our award-winning Customer Experience team. They’re available 9am to 5pm, Monday to Friday (excluding bank holidays).

Call 0344 375 5500

Get help and support

If you have questions about your repayments, please talk to us as soon as possible. We’re here to support you and will work with you to discuss your options.

Get help and support

Report fraud

If you think you may have fallen victim to fraud, report it immediately by contacting 0344 375 5500 and selecting option 2 or email our fraud team here. Remember, we will NEVER ask for an upfront payment at any stage.

Visit our fraud & security centre

Already have a Novuna loan?

Manage your account online or via the Novuna Personal Finance app. Check your balance, make payments, change your payment date, update your information, review your payment details and much more.

Advice for existing customers

Your frequently asked questions

Read thousands of real customer reviews

Our team has achieved an average satisfaction score of 4.9/5 stars from customers just like you. Let’s find out why…

Award-winning customer support

Of course we think the service we provide is top notch. But don’t just take our word for it. Our personal loans are consistently recognised for excellence by our customers and industry peers too

Feefo Platinum Trusted Service

Feefo Platinum Trusted Service

We are proud to be an official Feefo Platinum Trusted Service for 2024 - Read all reviews

Best Personal Loan Provider

Best Personal Loan Provider

Named The Best Personal Loan Provider by for the last 10 years

Best Personal Loans Lender Personal Finance Awards

Best Personal Loans Lender

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

Our most popular personal loan guides

FREE tastecard

Get a FREE 12-month tastecard
Apply for your loan directly with Novuna before midnight 31 July to qualify.
Excludes applications via comparison websites

FREE 12-month tastecard
Apply directly with us to qualify.
Excludes price comparison sites