Loans We Offer

Guarantor Loans Product

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 LoansProduct
12 Month Loans Product

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.

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.

Instalment Loans


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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 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. We are a loan brokerage and we work with a carefully selected panel of lenders. For details of how we will collect and process your personal data, please see our Privacy Policy. We do not charge a fee for our service but will receive commission from those lenders who either accept an application from us, or complete a loan for you. Registered office address: Unit 7, Beech Avenue Business Park, Beech Avenue, Taverham, Norwich, NR8 6HW

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Please Read

Talk Loans, and other trading styles belonging to Butler Westbury Ltd, NEVER charge a fee at any stage of applying for or setting up a loan.

We are aware of a current scam allegedly from Talk Loans Ltd (a fake company) who are charging fees and not providing loans. We have no association with this organisation at all. We have reported this to the FCA. If you have fallen victim to this or any other fee charging scam, you can register it here -