Large Loans

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If you need a large loan fast, at Personal Loans now we can provide you with secured borrowing up to £250,000. All our offers are from online direct lenders who can offer the best large loans at the best rates. We’ll compare the entire secured loans market to show you a personalised table of large long term loans. These offers will match your suitability against your requirements. Click apply now and fill in our simple to use application form for the best large loans available.

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What are Large Loans?

Large loans refer to borrowing sums of money that exceed £25,000. At Personal Loans Now, we’re able to lend up to £250,000 to approved applicants. Because of the higher sums involved, most lenders supply large loans as a form of secured borrowing. This means that the amount you borrow is secured against your possessions as collateral. For example, your vehicle or property. This will help with assurances to a lender that you can settle the debt if there is a need to. Because of the higher risk involved, if any repayments are missed, they can be reclaimed through the secured property. Due to their secured aspect, large loans offer an element of risk to the borrower. You will need to consider if these are the right types of loan for your situation. If you need to borrow a lower amount than £25,000, then applying for an unsecured loan can be the best option for you.

What Are Secured Loans?

Large Loans for Bad Credit

At Personal Loans Now, you can apply for large loans even if you have bad credit. This means that we take into consideration your whole financial position before we make a decision. We appreciate that many applicants may not have a great credit score. This is why we can offer large loans for poor credit where other lenders can’t. Even if we cannot approve your large loans for poor credit directly, we will show you the lenders who can.


Please note, if you do apply for large loans for bad credit, you may find that the best large loans are out of reach. To be able to apply for the best rates and repayment terms, your credit rating will need to be good. The poorer your credit score, the more risk you present to a lender. Whilst you’re free to apply for large loans for bad credit, you’ll need to consider a few things first. Your credit rating and affordability needs to be aligned. This is so you can meet eligibility requirements. You may find that if approved for large loans for poor credit, the interest rates may be higher and repayments much shorter. This means you could end up paying a higher amount each month as well as more interest in the long-term.

What Do I Need to be Eligible for Large Loans?

To be eligible to apply for large long term loans, you’ll need to meet eligibility requirements:

  • Are aged 18 years or over
  • Are a UK resident
  • Have a UK bank account
  • Have a regular source of income

The above is a minimum requirement and will not guarantee you’ll be approved for the large loans you apply for. Because of the large sums involved, some lenders may have additional requirements depending on your situation. For example, you may have to offer a guarantor as part of your application to co-sign the agreement. You may need to offer something of specific value as collateral. These are all methods to not only protect the lender, but also you. Especially if you fall into financial difficulty during the loan term.


Why Should I Choose Personal Loans Now for Large Loans?

As an authorised direct lender of large loans, we have helped 50,000 applicants get the lending they need. Applying through us will give you an overview of the large loans available. This will provide you with a personalised table of offers that require no credit search to see. All you have to do is fill in one simple application form, and you’ll have access to all the eligible lenders. Some benefits of using us include:

Secure Online Borrowing

Secure Online Borrowing – We are an FCA approved lender. This means you can safely apply online using our secure website. We take the security of your personal details very seriously. We ensure that your information is only shared with the direct lender you want to apply through. Our support team are on hand to offer you all the help and advice you could need. We always put your safety and security at the forefront of what we do.

High Rate of Acceptance

High Rate of Acceptance – With over 50,000 approved and happy applicants already, we are eager to help more people. As responsible lenders, we ensure that whoever we approve for large loans can afford the repayment terms they want. This is because they do not want you to get into any financial difficulty during the loan term. Even if we can’t approve your application as direct lenders, we’ll show you 40+ companies who are best placed to help.

One Simple Online Application

One Simple Online Application – You’ll have a full view of direct lenders, including us, with just one application. This is designed with your convenience in mind. This will also mean your credit file is not checked until you proceed with a chosen lender. Your details will remain secure so that no unnecessary checks are made to your credit report until they have to.

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Large Loans FAQs

How Can I Get The Best Large Loans Available?

Depending on what you need the borrowing for, the terms of the large loan that you want can differ between lenders. For example, you may want a loan for Christmas expenditure or a new car. To stand the best chance of getting the most preferential rates, your credit score will need to be good to great. This is because the risk of borrowing to you will be low. This will present trust between you and the lender that there will be no problems with repayments. If your credit score is poor to bad, then you may find lenders will have to take more of a risk lending to you. If your credit score is low, then you may find only the highest rates of interest are available. You can most likely get the borrowing you want but may have to pay more back in the long term.

Is a Large Loan Safe to Apply For?

Absolutely, we use a secure website to ensure your personal details are kept private and only seen by us. Your details will only be passed onto direct lenders you choose to proceed an application with. This way, you can have complete peace of mind when using our efficient and convenient online service.

What Happens if I Miss Repayments on a Large Loan?

If you miss a payment on your secured large loan, you’ll need to contact the lender at the earliest opportunity. They may be able to agree a suitable time frame for you to pay any missed payments. However, this may involve you receiving penalty charges which will be made clear in your credit agreement. If you miss regular repayments, you put yourself at risk of having to use the secured part of your loan. This will be used to settle any outstanding arrears using assets such as your vehicle or property. It’s always best to speak to the lender before any missed repayments begin to mount up.

I’m in Financial Difficulty, Can I Still Apply for Large Loans?

Whilst there is nothing stopping you from applying for large loans online, you’ll need to consider if you can afford repayments. If you’ve completed an income and expenditure form, you’ll be able to see how much disposable income you have. Use our secured loan calculator to see how much the amount you can borrow will cost each month, as well as interest. If you’re currently in financial difficulty, we advise that you seek impartial advice. One of the many free to use organisations available, such as the Money Advice Service, can help you.

Can I Get a Large Loan over a Shorter Repayment Period?

Secured large loans are designed to give you a large loan with manageable repayments. You can request to borrow a large loan, such as £40,000, over a short period. Bear in mind that repayments will be much higher. A benefit of taking out a large loan over a shorter period is the smaller amount of interest. Some direct lenders may have a minimum term attached to the loan, so please check carefully what can be offered. For example, you may want to repay over 3 months. But after a credit search, the lender may only be able to offer 6 months as a minimum.

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