Apply For A Unsecured 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.

Unsecured Loans From Opal & Mortgages

At Opal we help you by securing you access to finance through loans, even if you have bad credit history. We may have options which help you find the money you need to get by, when you need it.

Even better, we don’t charge you anything for our service regarding unsecured loans. That’s because Opal is a broker of loans and not a lender. What does that mean to you? It means we manually look through our network of connections with loan lenders to see what matches your current situation and credit history best, with an eye towards accepting your bad credit history. We receive a commission from the lender if you take up the loan offer so what this means is that no charge is applied to you when you use Opal Loans for unsecured loans.

Access Your Finance Now

We won’t let bad credit get in the way when you use Opal. We know that you need finance and we’re here to help. At Opal we know how difficult or frustrating it can be at times when you need finance for an urgent situation.

As a broker we receive commissions from loan companies for every loan secured through the use of Opal. You receive a helpful service that gets you the finance you need, without having to pay any extra fee whatsoever. Can’t argue with that!

Who Can We Help?

We try to help just about everybody. We have a process for evaluating every single application. By taking your individual circumstances into consideration, Opal may be able to help you find the finance even if you have bad credit. Opal may be able to use our connections with lenders to secure you what you need, when you need it.

What we are clear on is our encouragement on improving your credit score. We inform our customers to review their full credit history using the many free services available. This is a beneficial practice, helping you grow in financial maturity as well as offering the opportunity to identify bad trends and habits in your spending that are holding you back from a good credit rating in the future.

Sometimes you need a helping hand. We know that at Opal; we embrace it. It’s our job to help you find the finance needed to continue with your life. Enquire now.


  • 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

It seems that your Javascript is turned off : Click here to continue.

Our website uses Javascript, to use our application forms you can either turn on your Javascript or use click here to use a non Javascript application form.