How much would you like to borrow?

All loans subject to affordability.
Representative 29.5% APR.


How long for?

Loans purpose?

  • Monthly payment
  • Interest rate (p.a. fixed)
  • APR
    If your application is successful, the amount you pay and your APR may be different depending on your personal circumstances and first payment date. The maximum APR we could offer is 39.3%
  • Total amount payable

Representative Example:

£2,000 loan repayable over 24 months. 23 monthly payments of £107.96 followed by a final payment of £107.92. Rate of interest 26.1% p.a. fixed. Representative 29.5% APR. Total amount payable is £2,591.00. Example based on the first payment being made 30 days after the loan starts.

The rate of APR is dependent on your personal circumstances, the maximum APR we could offer is 39.3%

Who we are

We're a personal loans provider for the UK. Our loans are between £1,500 & £10,000 and designed for people with less than perfect credit scores. Loans are subject to affordability.

Why choose Vanquis?


Check your eligibility online.


Friendly team to answer any questions you may have.


No fees, even if you miss a payment.


We'll look at more than just your credit score, so we'll understand if it's not perfect.

All loans subject to affordability.
Representative 29.5% APR.

How it works


Complete your application and get a quote for a loan.


We'll securely check your details and expenses.


If we're sure you can afford the loan and you're happy to go ahead, we'll send you the money.

All loans subject to affordability.
Representative 29.5% APR.

This is Vanquis Bank Loans branding shapes


If you've got a question, you may just find the answer you're looking for here. If not, please visit our contact us page and get in touch.

We’re a friendly bunch and love to help customers!

Am I eligible for a Vanquis Loan?

You can apply for a Vanquis loan if you:

  • Are between the ages of 20 and 75
  • Live in the UK
  • Hold a current UK bank account
  • Have an income i.e. employed, self-employed or retired with pension
  • Are not in / do not plan to enter into a Debt Management Plan, Individual Voluntary Arrangement County Court Judgement or bankruptcy in the near future

What do I need to apply for a Vanquis loan?

You'll need:

  • An email address
  • Your current address
  • Your personal monthly income and expenses
  • Your bank details
  • Your debit card details

What are soft and hard credit searches and how do they affect my credit file if I apply for a personal loan?

A ‘soft search’ or 'soft credit check' means you or a lender can check your eligibility for credit without affecting your credit score. When you apply, our Eligibility form at the start of the application gives you an instant decision using a soft search.

At the end of the application, we’ll do a full credit check which will be recorded on your credit file as a ‘hard search’ or ‘hard credit check’. Too many hard credit checks with different lenders over a short period of time can affect your credit score, reducing your ability to get credit in the future.

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