Flexible hassle-free loans

Can you afford the repayment? Our quick loan calculator can help

Before you take out a personal loan, you can try to work out how much you can afford to repay each month and how much it’s going to cost you overall. Try out our handy loan calculator and we’ll give you an idea.

36 months
15.5% £193.07 £4633.57
APR: Monthly repayment: Total repaid:

Why borrow through us?

We've teamed up with RateSetter, the UK's leading peer-to-peer lenders, to provide you with a personal loan that suits your needs. Benefits of peer-to-peer lending include:

  • No nasty charges or fees
  • You decide the repayment plan that suits you best

Want to find out more? Check out our video

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Borrow between £750 and £7,500 and repay over 1 to 5 years, with free early repayment.

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See the total cost of your loan upfront, no hidden charges. What you see is what you get.

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Apply for your loan online and, in most cases, you'll get an answer within minutes.

The application process

Quick and easy

Apply for a personal loan quote in 2 minutes.

Speedy response

Most loan applications will get an answer immediately.

In your account

Once approved get your funds within 24 hours.

Before you apply

Please make sure you meet the following criteria

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Are 18 or over

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Hold a UK bank or building society account

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Have been a UK resident for the last 3 years

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Have a regular source of income

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Have a good credit history

Our guide to APRs

Loan speak can get a bit confusing, with all those percentages, decimal points and long lists of numbers. We therefore wanted to talk to you a little bit about APRs (Annual Percentage Rates).

A 'representative APR' is the rate that all credit cards and loan companies use to allow you to compare different loans. So it's basically the average loan rate that they offer to 51% successful applicants, meaning 49% of successful applicants may well get offered a different rate for their loan.

At giffgaff we want to make it simple. We want you to know exactly what you'll be getting. So, when you apply you'll get a quote that's personalised to your application clearly showing your loan amount and the APR that will apply to you. To do this RateSetter do what's called a 'soft credit search', which means they check some of your credit details without impacting your credit score.

Just for the record, our current APR is 15.5%.

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Copyright ©2017 giffgaff

Representative example for a loan of £4,000 for 24 months at an interest rate of 15.5% APR fixed. In this example the total amount payable (including interest and fees) would be £4633.57 and your monthly repayments would be £193.07.

giffgaff receives a fee for introducing personal loans to Retail Money Markets Ltd trading as Ratesetter.

giffgaff money is a trading style of giffgaff Limited, we are a credit broker and not a lender and introduce loan applications to its selected provider of loans Retail Money Market Limited trading as Ratesetter. Terms and conditions apply. Finance subject to status. 18s and over. Credit is provided by Retail Money Market Limited trading as Ratesetter, 6th Floor, 55 Bishopsgate, London EC2N 3AS Ratesetter is authorised and regulated by the Financial Conduct Authority – Firm Reference Number 633741

giffgaff Limited is authorised and regulated by the Financial Conduct Authority, Firm Reference Number - 680957. Registered address – giffgaff Ltd, 260 Bath Road, Slough SL1 4DX. Company Number - 04196996.

Posts on this site reflect the opinion of the members posting only, and not necessarily giffgaff’s opinions or views. There’s a lot of information here that can help you, however, you must remember that we operate an open forum and sometimes messages that are posted are misleading, deceptive, or inaccurate. If you follow these tips, you do so at your own risk. Always do your research and check the terms.