Step 1:

  • Borrow from £500 to £25,000 over 1 to 5 years.
  • Rates from 6.4% to 299% APR.
  • Designed to suit all credit types.
  • Fast Application Process
  • Decision in minutes.
  • Friendly staff dedicated to helping you.


Representative Example: Annual Interest Rate (fixed) is 35.7% p.a. with a Representative APR of 35.7% based on borrowing £12,500 and repaying over 60 monthly repayments. Monthly repayments £411.50 with the total amount repayable £24,690. and the total interest payable will be £12,190.

Personal Loans From Opal

Opal Loans is an expert in helping people connect with the best Personal Loan lenders in the market, whether you have perfect credit or have suffered from bad credit in the past we may be able to help.

We excel in finding Personal Loans for people with any credit type or situation. Once you apply with us we’ll get in touch to help you within minutes to finalise your loan. You could even receive your finances on the same day of your application subject to further checks. Not bad at all!

So, how does Opal work? We’re a little different and for a great reason; we’re not loan lenders. We instead act as brokers for loans and the difference is significant. As a broker, Opal receives a commission for every loan we successfully help arrange with our lender partners that you accept. This means we can offer those with a bad credit history the chance at the finance they need, when they need it, without having to charge them anything extra whatsoever.

This is a fantastic match, as you can imagine. Our expert team can help you find much needed money in record time, with an understanding of your credit history. We’ll help you be accepted where others would turn you down. It’s what we do; Opal understands that bad credit happens and believes it shouldn’t get in the way of helping you when help is needed. Responsible adults all across the United Kingdom can find themselves with a poor credit rating for a variety of reasons and it’s exactly those people that Opal loves to help.

What Will Taking a Loan Do to my Credit?

This is a tricky question to provide an exact answer to. The potential for an improvement or decline in your credit score is there, and the result will depend on your reliability in repayment as well as varying from lender to lender.

There is, however, one principle that will remain the same in any situation: if you take a loan out and repay it within (or before) the agreed terms, you will receive a boost to your credit rating. This simple fact won’t change. As a result, if you are confident in your ability to repay your obligations in time, and do so consistently, you can always expect to receive a benefit in terms of credit rating when a loan is taken out.

If you are unsure about the specifics of your loan, we always recommend getting in touch with your lender to discuss the details. A loan is a responsibility, and being proactive about managing your finances and obligations is a commendable principle that will see you well on your way to a restored credit rating in adult life.

  • You must be 18 or over to apply with us.
  • You must be earning £800 per month or more.
  • You must be a UK Resident.
  • You must be employed.