Personal Line Of Credit

We search the entire personal line of credit market, so you don't have to, without affecting your credit score!
You can easily compare and choose the best loan for you, from £2,000 to £25,000.

At Personal Loans Now, we can be your very own personal line of credit, all you need to do is get in touch and we’ll find you a personal loan, either through us directly or from one of many lenders throughout the UK. If you need money fast and even if you have a poor credit rating, we may be able to help provide loans from between £2,000 and up to £25,000; Apply Now and we’ll work with you to find your next personal line of credit that works for you.


Apply Now!


Online Personal Line Of Credit UK – How Does It Work?

A personal line of credit typically works much like using a credit card, where a lender agrees to a loan amount, but the interest is calculated on how much of the amount you’ve used. This may seem like a good idea, however it means it’s much more difficult to track how much interest you will accrue in the long term. At Personal Loans Now, we have a better alternative from this type of online personal line of credit UK, as we will agree on the amount of interest at the time of borrowing, calculating exactly what your repayments will be and how much interest in total you will pay. This way you know from the start how much you will repay and over how long.

No Guarantor Loans UK – What Do I Need to Know?

Am I Eligible for a Personal Line of Credit through Personal Loans Now?

Yes, if you meet the following requirements then you can apply for your own personal line of credit through us:

  • You must be aged 18 and over
  • You need to be a current UK resident
  • You must have a current bank account funds can be deposited into


Can I Apply For An Online Personal Line Of Credit For Bad Credit?

If you’re currently in a difficult financial circumstance and your credit rating is not as good as it should be, at Personal Loans Now we may still be able to offer an online personal line of credit for bad credit. You don’t need to have a guarantor to apply either if you have a poor credit rating, as we can still offer up to £7,500 as long as we can see you afford the repayments. Of course, the better your credit rating health, the more options become available. If we cannot fund your personal line of credit directly as direct lenders, then we can find other lenders who may be able to.

The better your credit rating is, the more chance of getting preferential rates of interest that make repayments even more affordable. So, don’t be put off just because your credit health has seen better days; if you can show your income and outgoings leave enough disposable income to afford the loan repayments, we can look to help.

What Happens Once I Apply For A Personal Line Of Credit Through Personal Loans Now?

The process can move quickly once you hit that Apply Now button, as the 40,000 people we’ve helped previously can confirm! Once you decide on the amount you want to borrow, we’ll go through our checks and get back to you as quickly as possible. The process looks like this:

Apply Online


Apply Online

the entire lending process is online so you can either apply through the app or website without having to wait for any paperwork. Choose the amount you want over the repayment length, provide us with a few personal details, and we’ll do the rest.

Get an Instant Decision


Get an Instant Decision

You can’t always predict when you’re going to run into a problem with your home. once you submit your application, we’ll get to work and provide you with a decision within 90 seconds – leaving you plenty of time to put the new funds to good use.

Receive the funds quickly


Receive the funds quickly

once you have been approved, we’ll be able to deposit the funds directly into your bank account within the hour.


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We recommend that before deciding to submit your application, you work out your current income and expenditure. This is because we want you to feel confident that the amount of borrowing you apply for is manageable for the repayment terms. Fully laying out your outgoings against your monthly or weekly income will ensure you know your affordability.


Our Commitment To You When Applying For A Personal Line Of Credit

At Personal Loans Now, we are committed to providing you with accurate and helpful information. If we cannot lend you the money, we will work alongside Monevo’s large database of lenders to search for the most suitable terms for you. That way, you can be assured that the personal loan you receive is in your best interests. We are an FCA authorised lender and can offer you flexible loan terms to match your circumstances, whether you have a good or bad credit rating.

If you know the loan terms you want, click the Apply Now button; if you have any further questions or want to find out more, then don’t hesitate to contact us today and our helpful team will work quickly to answer your query.