Apply For A Personal Loan

To get started, simply fill in your details below:

Step 1:

As a Credit broker, we collect and process your information to establish your general suitability against a panel of lender’s product criteria in order to provide you with a loan option. A credit soft search will be conducted; however, this will not adversely affect your credit rating.

We will retain your information securely on our system for any future updates and products that we think may be of interest to you.

For detailed information please refer to our Privacy Policy and Terms & Conditions


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

Opal Loans & Mortgages is a Loan Broker and not a Lender and if you take a product from one of the Lenders on our panel, they will pay us a commission once the funds are deposited into your account.

Personal Loans From Opal Loans & Mortgages

Opal Loans helps people connect with the 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 find 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 you’re application. 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. Our team can help you find much needed money in record time, with an understanding of your credit history

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.


  • Borrow from £1000 to £25 000 over to 1-5 years.
  • Rates from 6.4% to 299% APR.
  • Friendly staff dedicated to helping you.
  • All Credit Ratings Considered.

An unsecured loan is a loan that is issued and supported only by the borrower's creditworthiness, rather than by any type of collateral.

  • 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.
Apply Today

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