APR FROM 5.9%● DECISIONS IN UNDER 4 HOURS● NO ORIGINATION FEES● FCA REGULATED● PERSONAL & BUSINESS● APR FROM 5.9%● DECISIONS IN UNDER 4 HOURS● NO ORIGINATION FEES● FCA REGULATED● PERSONAL & BUSINESS●
§01 — Personal & Business Lending

Borrow without the runaround .

Fixed rates. No hidden fees. A real decision from a real underwriter in under four hours — for individuals and businesses alike.

Check your rate Try the calculator

Checking your rate won't affect your credit score.

Representative APR 5.9%
Decision time <4hrs
Borrow from $5k
Up to $100k

Representative example: $10,000 over 5 years at 5.9% APR. 60 monthly payments of $192. Total repayable $11,520.

§02 — Calculator

See your numbers
before you apply.

From $5,000 to $100,000, over 1–7 years. Move the sliders to see your monthly repayment and total cost — no soft check, no sign-up.

$10,000
$5,000 $25k $50k $75k $100,000
3 years
1 yr7 yrs
5.9%
4.0%29.9%

Your actual rate depends on your credit profile, term, and amount. This is an illustration, not an offer.

Monthly repayment
$304
× 36 payments
Total interest $950
Total repayable $10,950
Apply with these numbers
§03 — Use Cases

What is your loan for?

Personal or business — pick the one that fits. Every use case gets the same rate and the same decision time.

Personal $5k – $100k · 1–7 yrs 3 of 6
P/01

Home improvements

Kitchen, extension, new roof. Fix it now, pay monthly.

Apply →
P/02

Debt consolidation

Merge credit cards and store cards into one fixed payment.

Apply →
P/03

Car or vehicle

New, used, or electric. Skip dealership finance markups.

Apply →
Business $5k – $100k · 1–7 yrs 3 of 6
B/01

Working capital

Bridge invoices, cover payroll, or smooth seasonal gaps.

Apply →
B/02

Equipment & tech

Machinery, vehicles, computers, or shop fit-outs.

Apply →
B/03

Expansion & growth

Open a second site, hire a team, or launch a new line.

Apply →
§04 — Process

Three steps. That's the whole thing.

01

Tell us what you need

Two-minute form. Amount, term, purpose. That's it — we don't ask for your life story.

02

Get a real decision

A soft credit check and a human underwriter. You'll hear back by email, usually within four hours.

03

Money in your account

Sign digitally, and funds land the same working day. No branch visits, no paperwork.

§05 — FAQ

Questions,
answered.

Can't find what you're looking for? Email hello@adlibloans.example — a real person replies.

Start your application
01 Will checking my rate affect my credit score?
No. We only run a soft search, which is visible only to you and doesn't leave a mark. A hard search — which does affect your score — happens only after you accept a formal offer.
02 How quickly will I get a decision?
Most applications get a decision within four working hours. You'll receive an email as soon as the underwriter has reviewed your file. Larger business loans may take up to one business day.
03 Are there any hidden fees?
None. No origination fee, no arrangement fee, no early repayment charge. The only cost of borrowing is the interest disclosed in your offer — no surprises on the last page.
04 Can I repay early?
Yes — anytime, in full or in part. Interest is recalculated daily on your remaining balance, so you only pay for the days you actually hold the money. There's no penalty and no paperwork.
05 What do I need to qualify?
You need to be 18+, a UK resident, and able to show a regular income. Loans run from $5,000 to $100,000 over 1 to 7 years. We don't publish a minimum credit score — we look at your full financial picture, not just a number.
06 Is my data safe?
All data is encrypted in transit and at rest, stored in UK data centres, and never sold to third parties. See our Privacy Policy for the full details of how we handle your information.
§06 — Ready?

Apply in two minutes.
Decision in four hours.

Start application