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Late repayment can cause you serious money problems.
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Representative APR for Lenders charging an interest rate of less than 100%

Representative 33.6% APR. Representative Example: £2200 borrowed for 36 Months. Total Amount Repayable is £4172.37. Interest Charged is £1972.37, Interest Rate 29.9% (Variable).

Representative APR for Lenders charging an interest rate of more than 100%

Representative 728.9% APR. Representative example: £400 borrowed for 30 days. Total amount repayable is £459.36. Interest charged is £59.36, interest rate 180.5% (variable).

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Representative APR for Lenders charging an interest rate of less than 100%

Representative 33.6% APR. Representative Example: £2200 borrowed for 36 Months. Total Amount Repayable is £4172.37. Interest Charged is £1972.37, Interest Rate 29.9% (Variable).

Representative APR for Lenders charging an interest rate of more than 100%

Representative 728.9% APR. Representative example: £400 borrowed for 30 days. Total amount repayable is £459.36. Interest charged is £59.36, interest rate 180.5% (variable).

Independence Loans

...because convenience matters!

The greatest advantage of the flexible loans search is not the money you receive but the peace of mind you get thanks to our application process which only takes minutes. Whenever you need cash, Independence Loans can help you to get the loan you need without any hassle. You just fill in the application form and we search the whole panel of lenders to find you a loan that is adjusted to your needs and your present circumstances. The procedure is fast, secure and totally free!

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Representative APR for Lenders charging an interest rate of less than 100%

Representative 33.6% APR. Representative Example: £2200 borrowed for 36 Months. Total Amount Repayable is £4172.37. Interest Charged is £1972.37, Interest Rate 29.9% (Variable).

Representative APR for Lenders charging an interest rate of more than 100%

Representative 728.9% APR. Representative example: £400 borrowed for 30 days. Total amount repayable is £459.36. Interest charged is £59.36, interest rate 180.5% (variable).

  • Quick and secure application online

    Our loan finding technology and the application process were designed to save you time.

  • We find you a suitable
    loan for your circumstances

    Based on your criteria we search our panel of lenders to find you a suitable deal!

  • £100 to £1000 loans

    These loans are designed to suit your requirements.

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    Our loan searching service is free and does not oblige you to finalise the transaction.

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Important Information

  • For Lenders charging an interest rate of less than 100%.

    Representative 33.6% APR. Representative Example: £2200 borrowed for 36 Months. Total Amount Repayable is £4172.37. Interest Charged is £1972.37, Interest Rate 29.9% (Variable). Read more

    Please note, Independence Loans is not a lender and the rates calculated above are based on a calculation of the average of the representative rates provided by the lenders on our panel.

  • For Lenders defined as high cost and charging an interest rate of more than 100%.

    Representative 728.9% APR. Representative example: £400 borrowed for 30 days. Total amount repayable is £459.36. Interest charged is £59.36, interest rate 180.5% (variable). Read more

    Please note, Independence Loans is not a lender and the rates calculated above are based on a calculation of the average of the representative rates provided by the lenders on our panel.

  • Implications of Non Payment

    If at any point during your loan term you find yourself unable to repay the loan on time, you need to contact your lender immediately in order to discuss the possible repayment options. You may incur extra fees and interest as a result. Read more

    Also, some lenders may take a legal action if the non-payment is repeated. However, the majority of lenders, before taking action, will contact you by phone or in writing in order to discuss the matter and rearrange the payment. You need to be aware of the fact that if you fail to repay your loan on time, this might lead to extra charges and affect your credit score. Therefore, before signing your loan agreement it is important that you carefully read the charges section on the lender’s website. Remember that non-payment or late repayment can cause you serious problems.

  • Debt Collection

    Most lenders will contact you by phone, letter and/or email in order to discuss the matter and rearrange the payment. You need to remember, however, that non-payment may lead to some extra charges and/or increased interest and it may also seriously affect your credit score. Read more

    If you do not contact your lender or repeatedly fail to repay your loan, your debt may be passed to a collection agency, which would take further action. Also, if you do not contact your lender regarding your non-payment, then you could risk the details being included within your credit report.

  • Implications of Late Payment

    If at any point during your loan term you feel that you will be late with your payment, please contact your lender as soon as possible in order to try to rearrange your payment date. Read more

    However, again, you need to know that this might mean extra charges. Also, in the event of late payment, some lenders charge a late payment free whose amount differs from lender to lender. In order to find out more about late payment, please refer to the terms and conditions section of your loan agreement.

  • Loan Renewal

    Independence Loans do not recommend the renewal of your loan. Read more

    However, if you wish to renew your loan, you need to contact your lender before your repayment date. The majority of lenders will charge the same interest rate and fees for another month but this will be based on the total amount that you owe and not just the original amount that you borrowed. However, in the case of non-payment, a loan renewal or extension might be automatic and you might incur extra interest and/or charges.

Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk