Loans We Offer

Guarantor Loans

Guarantor Loans

Guarantor loans are becoming more popular in the UK. A lender will give you the money you’re looking for if you can get someone else to sign up with you and act as guarantor. Then if for any reason you don’t make the repayments, the guarantor steps in to make the repayment on your behalf.

This can give you access to fantastic rates even if you have a not-so-stellar credit history.

The guarantor must have a good credit history and has to be a homeowner to access the highest loan amounts, but there are other options available.

No Fee Loans

When applying for a loan in the UK it is not uncommon to come across a number of fee-charging, or even scam loan companies. At Talk Loans we are wholly against this practice, we do not believe you should ever be charged a fee to take out a loan. After all, if you are looking to take out a loan, you want to borrow money, not spend it!

We work directly with a wide range of lenders in the market, and they pay our bills, not our customers. When a customer takes out a loan through us we receive a commission from the lender, meaning absolutely no fees are passed on to our customers.

No Fee Loans
12 Month Loans

12 Month Loans

12 month loans are just that, loans taken out over a 12 month period. These loans are usually of a reasonably low value – up to £1,000. They can be a great way to ensure affordable repayments compared to shorter term loans.

As the loan is taken out over a short period of time the interest rates usually aren’t the most competitive, however, because of the short loan period, the total repayable on the loan will often not be quite as high as you think.

If you are contemplating borrowing a small amount of money, a 12 month loan could be ideal for your circumstances.

Logbook Loans

Logbook loans are similar to a normal secured loan, but instead of the loan being secured on a property, it is secured on a vehicle. The lender values the car and lends you money based on this valuation.

As the loan is secured on a vehicle, logbook lenders can be very flexible with regards to credit history and other past financial difficulties. Assuring affordability is the main focus.

If the finance goes unpaid there is a risk that your vehicle could be repossessed. So make sure you are sure you can afford repayments before taking out a logbook loan.

Logbook Loans
Instalment Loans

Instalment Loans

The term “instalment loan” is being used more and more by lenders who are looking to offer loans that are spread out over multiple instalments, be it weekly, fortnightly, monthly, or another specific time period. It simply means a loan that you can pay back in more than one payment. The term (length) of your loan can vary from 1 month up to 25 years (depending on the lender). Most loans are instalment loans of one kind or another. In fact, typically the only loans that aren’t instalment loans are Payday loans.

If you are looking to borrow over a small period of time and pay back in full, then you may want to check out a single payment loan such as a payday loan.

Car Loans

Car finance comes in all shapes and sizes. From Hire Purchase (HP), to Personal Contract Purchase (PCP), to a normal unsecured loan used to purchase a car. Which type suits you comes down to your circumstances.

A lot of car dealerships will offer finance themselves, however, this may not always be the most flexible way to get your car loan. For one you are restricted to that single garage in order to make your purchase, secondly they may not have access to the best car loan products.

Ensure you fully understand your finance terms before taking out a car loan.

Car Loans
Short Term Loans

Short Term Loans

Short term loans, similar to payday loans, are taken over a short period of time, for example 3 months. They are an expansion of the now old-fashioned payday loan, allowing for a more affordable repayment while still keeping the same level of easy access and flexibility.

A short term loan could be great for you if you are looking to fill a small gap in your finances, or have a small unexpected expenditure like a broken washing machine or car repair. By spreading the repayment over multiple months, but keeping it short, you fill the gap and ensure you are back to financial stability within a few months.

Bad Credit Loans

Bad credit loans are for people who have had credit problems in the past. This could include missed credit card payments, defaults on previous loans, county court judgments (CCJs) and even extending to people who have recently come out of an individual voluntary arrangement (IVA) or bankruptcy.

These loans are usually high interest and can improve your credit over time if all payments are made. A credit repair credit card could be perfect for this.

It is important to only take out this type of credit if you are sure it won’t get you in any more financial troubles down the line.

Bad Credit Loans
Unsecured Loans

Unsecured Loans

An unsecured loan is typically a monthly instalment loan which is not secured to anything you own – like your house or car.

Most personal loans in the UK are unsecured and this term can be applied to short term loans, instalment loans, payday loans or pretty much any other type. It’s worth noting that just because a loan is unsecured does not mean the lender cannot take action against you if you end up not paying them back.

Unsecured loans are fantastic if you do not have any valuable belongings to secure your loan against.

Payday Loans

A payday loan is designed to be borrower during the month and paid back in full the next time you get paid. They are great for filling small holes in your monthly finances, however, it’s always worth borrowing as little as possible so you are not left with a hefty repayment next time you get paid.

In some circumstances this can lead to what we call the “payday spiral”, meaning you have to continuously borrow monthly in order to maintain your bills, rent and food costs.

If you are worried about this type of situation then you may be better off with a short term instalment loan.

Payday Loans

Opening Hours

Mon - Thurs: 9:00 to 19:30
Fri: 9:00 to 17:30
Sat: 9:00 to 12:00
Sun: Closed


Phone Number

01603 391104

Please call us during our opening hours for the best service.


We aim to reply to all emails within 24 hours.


Talk Loans
Kiln House


Representative Example: Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 49.7%. Interest rate of 41% per annum. Representative APR 49.7% (fixed).

Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender, broker or 3rd party we refer you to. To apply for a loan though our website you must be a UK resident.

Talk Loans is a trading style of Butler Westbury Limited Registered in England No 9035270. Authorised and regulated by the Financial Conduct Authority Reference No. 625156. Registered with the Information Commissioner’s Office ZA090336. Registered office address: 146 Drayton High Road, Drayton, Norwich, England, NR8 6AN

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