Borrow from £100 to £25,000

    We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender.unsecuredloans4u Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd. for the purposes of obtaining a loan. unsecuredloans4u does not provide any loan or consumer credit products directly.

    • Apply For £ 50 - £ 1,000
    • Fast Payout
    • No Fees
    • Secure Application
    • Available 24/7
    • Bad Credit




    N Whole of Market panel
    N Trusted panel of lenders
    N From £1,000 to £25,000
    N Rates from 5.7% APR to 278% APR*
    N 3-36 month repayment




    N Online decision
    N Responsible lenders
    N Borrow up to £3,000
    N Rates from 278% APR to 1576% APR*
    N 3-12 month repayment

    Short term – Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly installments of £187.31. Interest charged is £161.92, interest rate 161.9% pa (variable)

    Personal – Representative Example: A loan of £5,000 over 36 months will cost you £284.42 per month at Representative 43.5% APR. The total cost after 36 months is £10,239.15, which includes £5,239.15 interest at 34.9% APR variable. 

    What is a Long Term Loan

    In contrast to short-term loans, Long Term loans generally offer larger amounts and are paid back over a longer period of time. They are repaid in increments, or Instalment, according to a repayment schedule established between you and your lender.

    Long Term Loans


    FAQs on Long-Term Loans

    What is length of a long-term loan?

    Answer: While “long-term loan” refers to long time, it’s not for a specific amount. The category of long-term loans encompasses a large variety of loan lengths, from months to years.This will vary from lender to lender but typically a longer term loan or personal loan spans 12 months to 5 years.

    Are long-term loans also installment loans?

    Answer:Yes, an instalment loan lets the borrower repay the loan in a series of repayments. The loan isn’t repaid in one lump sum, the loan duration is longer than a short-term loan. Due to their longer terms, long-term loans are also considered installment loans. An installment loan lets the borrower repay the loan in a series of repayments. The loan isn’t repaid in one lump sum, the loan duration is longer than a short-term loan.

    That said, there can be instances of long-term loans that aren’t repaid in installments. While this is rare, some lenders choose to lend larger amounts over a longer term, while allowing the borrower to repay the full loan amount all at once at the term’s end.

    Do I have to pay more for a long-term loan?

    Answer: When taking out a loan, the repayment amount depends on a number of variables. Obviously the amount being borrowed is a huge factor for the final repayment, but other factors can contribute, like the fees charged by the lender for their services. The overall cost and term will largely depend on your credit worthiness and ability to repay your loan. When taking out a loan, the repayment amount depends on a number of variables. Obviously the amount being borrowed is a huge factor for the final repayment, but other factors can contribute, like the fees charged by the lender for their services.

    Another important clarification is, “more than what?” When comparing a short-term loan to a long-term loan, it’s likely you will pay more for the latter than for the former, but that’s because longer-term loans are for larger amounts than short-term loans.

    Does Unsecured Loans 4 U offer long-term loans? and Can I apply for longer term loans through your website?

    Yes! Monevo’s panel of lenders have loan lengths between 1 to 5 years. These are personal unsecured loans. Monevo’s lenders cater to a wide variety of customers, from prime to subprime.


    What To Know About Long Term Loans Before You Apply

    A long term loan is a form of credit that is advanced to you when you are short of funds. It is typically repaid in multiple installments over months, hence the term “long term loan”. They are also called installment loans, bad credit or advance loans. Loans come with fixed fees, and are regulated by the government. This includes a loan establishment fee with a monthly loan fee – and calculated based on principal.
    A long term loan usually refers to a personal loan. It is typically repaid in multiple instalments over months, hence the term “long term loan”. They are also called instalment loans or unsecured loans. These loans usually come with fixed fees and fixed interest rates

    Long term Loan



    They are a type of personal loan wherein the borrower is provided funding with a longer repayment period. Unsecuredloans4u.co.uk offers repayment terms of 1 – 5 years, depending on loan amount. We are experienced in finding the right solution for all our borrowers our application process takes 90 seconds from start to finish.They are a type of personal loan wherein the borrower is provided funding with a longer repayment period. Monevo’s lenders offer repayment terms of 1 – 5 years, depending on loan amount



    More About Installment Loans and Will having a guarantor help my chances?

    The average facts – On average spread over 3-5 years the average amount for a long term loan is £3500 you are welcome to use a guarantor to guarantee your monthly installment but this is necessary especially if you have a average to good credit score. Have a look at our long term options today.You are welcome to use a guarantor especially if you have an average to low credit score. A guarantor personal loan may be your best option if you have been refused for personal loans due to lacking a credit history for lenders to refer to.


     What if I have bad credit, can I still get a long term loan?

    You are probably aware of  long term loans for bad credit, but if you are not, they can vary in amount and repayment terms, on average a loan can be taken over 3 to 5 years. But should you be borrowing a lot more money than the normal £3,000 to £5,000, If you looking for closer to the £15,000-£20,000 mark you may expect to pay over a much longer period to keep your monthly installments at a manageable level. You may also need a higher credit score to be accepted for the higher amounts but this isn’t always the case this will vary greatly between each and every financial institute. Additionally you can avoid the check by using no credit checks loans to make sure you get the financial plan your hoping for.Luckily, Monevo work with a large number of lenders that cater for all kinds of customers, prime to subprime, so yes, you should still apply. All loans are subject to lender requirements and approval and all lender will have their own approval criteria.

    Are you concerned about your personal credit history? It may be a good idea to check to see what your credit report and score say but as a general rule of thumb – if you pay your bills on time and haven’t had previous credit issues, you should be fine. Applying is very simple and won’t take you any longer that 2-4 minutes from start to finish, simply click on the apply now button and fill out the straightforward form.


    Where can I find information about default charges?

    Each moneylender will need to provide you with details of how much you expect to pay and what your what default charges you get will receive and what interest rate you are paying across the term of your agreement this is sent out to you in your agreement for each application. This is part of the financial service authority guidelines that each finance establishment must follow should you not receive this in your welcome pack please contact your lender straight away and advise you have received the relevant information and they will send them straight out to.
    Each lender will need to provide you with details of how much you expect to pay and what your default charges are. They should disclose all relevant information to you so that you can make an informed decision. If you are unsure about any of the terms relating to your loan contact your lender directly.

    What Fees Will I Have To Pay?

    This varies from lender to lender. All lenders will charge interest, which may be variable or may be fixed, depending on the type of lender and type of loan you have applied for, and some may charge an administration or acceptance fee, again this will depend on the lender you are accepted by. Some companies will charge an administration fee but this isn’t not be an upfront fee this fee will be a fee that is included within your total amount payable. Please note that if anyone ever asked you for an upfront fee to “approve” your application or “guarantee”your application this isn’t something that we would do. If you do come across this please notify us straightaway. More often than not you will find this is actually a broker you’re dealing with and this is how they make their money as well as a commission for referring the application.

    What I Do If I Move House?

    You have an obligation with the lender to always keep your details up to date, so should you move house, change your telephone number or change your banking details you must let your lender know.

    Can The Interest Rate Be Variable?

    The interest rate will depend on your lender and the type of product you’re applying for, as well as your personal circumstances and credit file. Typically an interest rate on a personal loan will be fixed meaning your payments are fixed and will not fluctuate – go up or down. For example, interest rates on credit cards are typically variableThis again is very much down to the each individual companies requirements some moneylenders will allow you to vary your interest rate depending on your busy periods within your year some lenders will even allow you to have one or two month payment breaks over the term of your agreement please note that if they do allow you to do this they will still charge you the interest rate on a monthly basis this will mean the overturning agreement you will pay back extra money.

    What Happens If I Do Default?

    There are many options for the lender should you fail to make your monthly payment and default on the agreement. Your loan could be passed on to a debt collection agency who would contact you for the debts. Your lender could also take you to court. Please bear in mind you should always contact your lender should you have any problems with keeping up to your repayments.

    Will The Payout Be Fast?

    This has to be the most popular question! Obviously, applicants do not want to be waiting days or weeks, especially when the funds are needed for an emergency or if there is a limited time period on the required usage of the finances.
    You will normally receive a very quick decision and your loan could be sent to you on the same day as approval or the next working day. How fast you receive your funds may also depend on your bank and if they accept faster payments.

    What If I Have Bad Credit?

    Having ‘bad’ credit isn’t the end of the world when it comes to making any kind of finance application, one thing to remember is when it comes to having a poor history you may see that you end up paying a higher interest rate than others. There are other option out there as well for example you can use a guarantor. This will mean the lender is much more likely to lend to you as they have the peace of mind that your guarantor is there to cover payments should you struggle.
    Do not let a poor score stop your application. The worst that can happen is a lender may offer you a rate that you do not want! You are not obligated to take up any offer you are presented with.

    How Much Should I Borrow?

    This is a very tricky question but the rule of thumb is don’t borrow more than you need, as this will cost you more on your monthly payments and will cost you interest, you should never over stretch yourself. For example you don’t need a little bit extra to have fun with as this will cost you more on your monthly payments and will cost you interest, never ever over stretch yourself! Your income will be checked against your outgoings but you can speed this process up by not overstretching yourself in the beginning.

    Will Searching For My Loan Affect My Credit?

    You should remember if you go to twenty different lenders and make twenty different applications you will receive 20 different searches on your file, we would suggest this wouldn’t be the best thing. This can drop your score for the short term so remember when you are making your application apply to one place.

    By using our online application, Monevo’s technology will assess which lender’s offers may be suitable for you depending on what you have entered into the application form. We and Monevo will not perform a search on your file, so you’re safe applying through us. Please bear in mind that the lender will perform a search on your credit file before finalising your loan offer.

    Should I borrow from my bank?

    There is no reason why you should not borrow directly from your bank. The problem most people tend to find with their local bank is the lending criteria that they follow may be strict. Banks may be less likely to lend to subprime customers for example so if you have a credit profile that is less than perfect you may need to search for alternatives.

    Can I have a payment holiday?

    This varies between individual lenders. Before you take out a loan, please consider whether you can afford each and every repayment as not all lenders may offer payment holidays.

    What is peer to peer lending?

    Im sure like most people your starting to hear this term pop up all the time now. Peer-to-Peer lending is one of the biggest growth products in the finance industry over the last few years. The only real difference is this method allows you to borrow money from private lenders or groups of lenders through recognised Peer to Peer websites. How does this compare to a loans well there very similar in how they work. Like an long term loan uk you will find they have the same principles the only real difference is this method allows you to borrow money from private lenders or groups of lenders through recognised P2P sites.

    Don't all loan providers charge the same?

    No, they don’t as they all have different criteria, and their loan and credit products will be aimed at different types of customers, for example prime or sub-prime. One of the other reasons rates vary is they are based on your credit score and creditworthiness. This basically tells the lender of your past history and if they can expect to get the money back in a timely manner, if they feel it’s going to be a problem they will reflect this in the amount of interest they will charge you for the loan.

    What sort of personal information do you need?

    Our form just asks for some basic information such as personal information, address, employment details and the amount you intend to borrow, this is enough for Monevo to find you the most suitable loan provider for your needs, based on the information you have entered into your application form. Once you are matched with a lender you may be required to submit additional information and/or produce proof of income depending on the amount you are looking to borrow.

    Can I use a Guarantor?

    Guarantors can be used for long term loans. These type of financial products are referred to as guarantor loans.. The guarantor themselves will stay on the agreement for the whole duration and cover any payments you can’t make. This method is mainly used for people with poor credit and will often be the only way to receive a long term loan if you have really poor credit.

    Can I buy a car with my long term loan?

    You can use the funds you receive to purchase a vehicle if that’s what you wish to do, once the money has been transmitted to you account. Sometimes you will find getting the funds from a different source to the ones you receive on the forecourt will suit you better and can provide better rates or term periods. Very often people take out a long term loan to keep the monthly car payments at one affordable monthly installment to help make sure they are manageable and affordable for their individual financial capabilities. With a wide range of amounts and term periods available you can get the right finance and plan to suit whatever standard of vehicle you might be looking for.Personal loans can be used for a variety of purposes, to pay for home improvements or a house extension, for debt consolidation, a wedding or holiday.

    How do I know when I've been accepted?

    At UL4U we understand that there are many times when a quick cash turnaround is very important to the process and you may need the funds for emergency situations or in circumstances where a time limit is in effect. You will be informed as soon as the application is successful, most people also send out a text message to confirm that you have been accepted and you should expect the payout shortly after. Most companies underwriting departments are very officiant, they understand the importance of processing the application in a timely manner and do their best to make it happen.Often you will receive confirmation on the same day that you apply. Sometimes it may take longer and the lender may require more information or documentation from you.

    Can I apply for a top up?

    This is another very common question when it comes to people applying for finance. Before applying for your initial loan, it may be a good idea to think about whether a loan is a good idea, if you are struggling financially. If you are struggling with repayments, you may be better off seeking advice or help from the Citizens Advice Bureau or a debt charity.
    If you cannot afford to repay the original loan and that is why you are looking for a top up, please speak to your lender directly.
    Many costumers don’t want to be tied in to paying back a monthly fee without any opportunity of increasing the amount of their agreement. This is a very good point, and one most lenders out there recognise as an important factor. Lets be honest here, if your paying the installments on time each and every month and if you can afford your payments it makes sense that the lender would want to give you more funds as it’s a win win for both parties. Some lenders do not allow for this however, so if you think you may need it check over the details before you sign the contract.

    What is a secured loan?

    A secured loan is a very different thing to a normal unsecured loan. The difference is that it is secured against your property. This does come with some added benefits, normally this will result in a better interest rate as the lender can feel secure in the knowledge that they are going to get their money back.
    The major downside of a secured loan is that the loan is secured on your home, so you could lose your home if you cannot keep up your repayments. Some loans can also have variable interest rates, meaning your repayments could increase. Make sure you know if the rate is fixed or variable before applying for a secured loan.

    Is a Logbook Loan the same as a secured loan?

    People tend to get confused about what one actually is! No, a logbook loan is when you secure the value of the loan against your vehicle thus reducing the lender’s risk. You need to be the legal owner of the vehicle, usually with a value over £500 and with no finance outstanding on it.
    Please note; failure to pay the instalments as agreed in your contract will result in the loss of your vehicle.
    It is a very different product to the unsecured versions, a logbook loan is when you secure the value of the loan against your vehicle thus reducing the lenders risk and in turn the interest rates. Please note; failure to pay the installments as agreed in your contract will result in the lose your vehicle. This is simply an agreement that is placed over a longer period than the typical short term products you see like payday loans helping to make the repayments a manageable level.

    What if I cant pay back on time?

    You will normally get charged a late payment fee as well as have additional interest to pay for but you should always consult your lender directly as each lender may have slightly different processes in regards to late or missed payments.The rules do vary from lender to lender, they all have different views on this subject. For some you must always pay back the full balance by the due date, to others they really don’t mind if the contract runs over as they simply charge you interest for the extra months so in the long term they make more money. The second approach tends to be the normal approach for most of the major financial institutes, if you do think you will over run your term of your agreement its best to contact the customer service of you finance company directly and confirm there stance on that. Do not just leave things unspoken, issues will not go away on their own and you can end up in a state of financial difficulty

    What if I'm Unemployed?

    To apply for a loan with any lender there is normally minimum criteria. Usually you will need to be a UK resident, at least 18 years of age, be in regular receipt of income and have a valid UK bank account.
    Being unemployed isn’t necessarily the end of the world when it comes to your application, some lenders happily lend to unemployed or low earning costumers. There are many options for people without employment, you can still find the finance plan that suits you best. One thing you should probably note they normally have slightly higher interest amounts which might not be approved by lenders as this will put you in financial strain. Lenders will not accept candidates that they believe will be unable to make the repayments safely.

    What can I do if I wish to complain?

    Information about complaints can be found in our complaints policy.

    What if I can’t keep up my loan repayments?

    If you can’t keep up with your loan repayments you must contact your lender immediately and advise that you are struggling with the monthly instalments.

    If you’re struggling and you’re finding it difficult to deal with your lender, contact one of these free, confidential debt advice services: (include hyperlinks or add link to website)
    StepChange Debt Charity
    National Debtline
    Citizens Advice – England and Wales
    Citizens Advice – Scotland
    Citizens Advice – Northern Ireland

    Is it best to apply direct with a lender or through your website? What do i do next?

    Next is the fun bit you need to click on the apply button and fill out our simple online form designed to make sure the whole application as smooth and pain free as possible. The whole application process from start to finished shouldnt take you longer that 3 minutes its as simple as you can get.
    It is entirely up to you how you wish to apply however if you apply through our site, Monevo’s technology scans their lender’s offers for ones that are suitable for you, this may be a better option for you than you blindly applying on a lender’s website when you do not know what their approval criteria may be. Please also note, if you make many applications across different websites, these may all get recorded on your credit file, which may make getting a loan more difficult, as lenders will see lots of applications, so they may think that you are desperate for money.
    To apply through Monevo and www.unsecuredloans4u.co.uk please scroll to the top on the page and click on the Apply Now button.

    LenderLoan AmountsTerm PeriodsRepresentative APR
    Payday Loans Now £50-£1000 1 - 5 months 180.5%
    Representative Example: Loan amount £400 for 30 days. Total amount repayable £459.36. Interest 180.5% p.a. (variable). Representative 728.9% APR
    Loan Load £50-£1000 1 - 5 months 161.9%
    Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable)
    Peachy £50-£1000 1 - 5 months 292%
    Representative example: Borrow £250 for 3 months. Total repayment: £379.44 in 3 monthly payments of £126.48. Interest p.a: 292.25% (fixed). Representative 1255.66%APR.
    Wonga £50-£1000 1 - 5 months 292%
    Representative Example: Borrow £400 over 3 months Interest rate 292% pa (fixed)
    Wage Me £50-£1000 1 - 5 months 728%
    Representative Example: Loan amount £400 for 30 days. Total amount repayable £459.36. Interest 180.5% p.a. (variable). Representative 728.9% APR

    *Subject to lender approval and requirements.