Unsecured Personal Loans

Borrow between £1,500 and £7,500 with a less than perfect credit history. If your credit history is not quite as good as it could be, but you’ve been working hard to improve it over the past year you may be eligible to apply for a Sprout Loan. We're a responsible lender with no fees and we lend to many different people for lots of sustainable and life-improving purposes.

Loan Calculator

Loan term (months)

18 monthly repayments of: £107.57

Representative APR: 39.9%

Total repayable: £1936.23

Contact Us

Representative example: Borrow £2,000 over 24 months at Representative 39.9% APR and an Interest Rate of 39.9% p.a. (fixed) with monthly repayments of £116.06 and a total repayable of £2,785.50. Please contact us should you wish to borrow more than £7,500.*

Warning: Late repayment can cause you serious money problems and may make obtaining credit more difficult in the future. For free, confidential and impartial debt advice contact charitable organisations such as the Money Advice Service and Citizens Advice Bureau.

Eligibility Criteria

Over 18 and a UK resident
Have a bank or building society account
Receive a regular income
Existing Sprout customer or seeking IVA Early Settlement Loan, IVA Car Loan or consolidation loan

3 Simple Steps

Phone 033 3939 9393 to apply.
Give us some information about yourself.
Get a decision within 48 hours.
Contact us

Less than perfect credit history?

If your credit rating is not as good as you'd like it to be, due to circumstances beyond your control, you can still apply for a Sprout Consolidation Loan if you meet our eligibility criteria. Most traditional lenders simply won't consider people with a less than perfect credit history or those in an IVA.

At Sprout, it's a different story. We don't rely solely on automated credit checks. We're more interested in your credit future than your credit history.