Representative example: If you borrow £1,500 over 24 months at a flat rate of 36.00% per annum (fixed) with a representative 77.3% APR you will make 24 monthly payments of £107.50, repaying £2,580.00 in total.
An unsecured personal loan in the UK allows you to borrow money without using an asset, such as a property or vehicle, as security. Lenders determine how much you can borrow based on several factors, including your credit score, income, and information from your credit report.
A secured loan, on the other hand, is backed by an asset you own, such as your home or car. As with any loan, the amount you can borrow and the repayment term depend on your individual circumstances. Unlike secured loans, unsecured loans are not tied to any asset, meaning you do not need to be a home or car owner to apply.
But Munzee can offer unsecured loans even if your credit score is less than perfect. As long as the loan is affordable for you, we will consider your application. So if you are looking at unsecured loans, check out how Munzee can help.
Safe & Secure
No Hidden Fees
Free Eligibility Checker
Direct UK Lender
Funds In Your Account Same Day
With a Munzee loan, there are no strings attached. Our eligibility checker will even tell you if you’re likely to be accepted and won’t impact your credit score. If eligible you can then complete your application.
As a direct lender, we make our own lending decisions without having to refer to anyone else. So when we receive applications for unsecured loans we are able to make an instant lending decision and, if the loan is approved, the money can be in your account the very same day*.
We also believe in being open and transparent about what you have to pay and when. There is no set up fee and no hidden charges. The normal repayment period for unsecured loans is 24 months.
Representative example: If you borrow £1,500 over 24 months at a flat rate of 36.00% per annum (fixed) with a representative 77.3% APR you will make 24 monthly payments of £107.50, repaying £2,580.00 in total.
Our eligibility checker will see if you’re likely to be approved before you apply. It’s easy to use, won’t impact your credit score and you’ll get an instant decision. If successful you can apply directly to us online 24/7, from the comfort of your own home. No interview, no paperwork, no hassle.
To qualify for one of our loans you need to be:
Everyone’s circumstances are different, so it’s fine with us if you prefer to pay us weekly, fortnightly or monthly.
No. There are no set up fees or hidden costs.
You are welcome to repay your loan early. Just get in touch with us and we will confirm how much there is left to pay. There is no penalty for settling your loan early, and you will pay no further interest once your balance is paid off.
The most frequent feedback from our customers is how quick and straightforward it is to apply for a loan with us. Many also add that our staff are friendly and polite. Reviews like this make us proud because our main priority is to give every single one of our customers the best service that we possibly can. Munzee Loans is all about you, the customer, and we’re only happy when you’re happy.