Long Term Loans With UnsecuredLoans4u

Apply To Borrow from £100 to £25,000

We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

  • 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 Apply to Borrow up to £3,000
N Rates from 278% APR to 1576% APR*
N 3-12 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 236.1% pa (variable). Representative 481.6% APR.

Long Term Loans 

Long term loans can offer greater breathing space and flexibility to repay your loan over 12, 24 or 36 months.

Moving away from traditional payday loans, many customers can avoid being caught up in a debt spiral by simply choosing to borrow for longer terms, and repaying early if they have the means to do so.

UnsecuredLoans4U offers long term loans from £100 to £25,000 repaid over 3 to 36 months – and anywhere in between. We work over 50 direct lenders in the UK who allow you to choose how much you wish to borrow and how long for.

Our online loan application takes less than 5 minutes to be completed and will give you an instant decision with a provisional loan quote. You can proceed and if successful, you will receive funds within 1 hour or on the same day. 

What Are The Main Benefits? 

Borrow more – You can usually borrow more with a long term loan because you have more time to pay it off. This is perfect for larger expenses such as buying a new car, home improvements, debt consolidation or planning a holiday. Customers can apply to borrow up to £25,000 repaid over 36 months, depending on their affordability.

More flexibility – 24 month loans and 36 month loans offer more flexibility because you are usually paying a fixed monthly instalment and can budget and organise your finances more effectively. If you want to repay early or make overpayments, you can often do so by contacting the lender directly.

Repay early – You may find that you do not need the loan for the entire duration and all the lenders working with UnsecuredLoans4u allow you to clear your debts early. In fact, paying off your loan early will usually save you money, since you are accumulating less interest overall.

Can I Borrow More with a Long Term Loan? 

Yes, since you have more time to pay off the loan, you can typically borrow for longer. Lenders will also give you a large borrowing facility because it gives you more time to earn income and help pay off the loan.

The highest loan amounts are typically available to people with the highest monthly income, best credit scores and lowest amount of debt outstanding.

However, note that the longer your loan term, the more interest you will pay overall, since you are accruing more interest.

Can I Get Long Term Loans for Bad Credit? 

Yes, there are several long term loans for bad credit histories available and we work with lenders that specialise in bad credit loans and are able to provide different options for recent defaults, arrears and CCJs.

Companies that specialise in loans for very bad credit require you to have a regular income through work (minimum £500 per month) and are able to make your repayments each month.

If you have bad credit, you can add some form of collateral or extra security, such as securing your loan against your car through a logbook loan or adding a guarantor.

If you have a very high value collateral or good quality guarantor this will maximise your chances of approval and the amount you wish to borrow.

How to Apply for Long Term Loans with No Credit Check 

If you apply for an unsecured long term loan, this will usually involve a credit check since the best unsecured loans are based on your income and credit status.

If you are looking for long term loans without credit checks, you can look at logbook loans and loans with a guarantor, since some lenders do not use credit checking as part of their application criteria. Instead, your eligibility is based more on the value of your vehicle or the credit rating of your guarantor.

Apply for Long Term Loans with Direct Lenders 

At UnsecuredLoans4U, we work with direct lenders only so you can be rest assured that your information will be sent to a lender who is actively and readily looking to fund your loan.

We are passionate about responsible lending and can confirm that your details will be held safely and securely and not passed onto multiple third parties.

We proudly match your loan requirements with the direct lender mostly likely to accept your loan. If you wish to proceed, all correspondence thereafter including contact, funding, repayments and more will be handled with the direct lender and there are no other middlemen involved.

It also means that there are no upfront, broker or administration fees involved and the only charges you will see are the ones for your loan.

Our loan application is fully online and can be completed 24 hours a day, 7 days a week using your desktop, phone or tablet. We offer long term loans with instant decisions and successful customers can usually receive funds on the same day or within the same week if borrowing larger amounts.

*Subject to lender approval and requirements.