Self Cert Loans are suitable for self employed people or where income is not regular. By using our loan finder service we can help you find a self cert loan if you are self-employed and/or you cannot provide proof of income. You can apply online using our 60 second application form for either a secured or unsecured self cert loan.

You can use your self cert loan for any purpose and our loan brokers will search through 100's of loan plans to find you a self cert loan with the most competitive rate. Loans are available from £1,000 to £100,000 - within criteria.

Self Cert Loan Application

Submitting Details...

Step 1 of 3

About your loan

How much would you like to borrow? Over how many years?   Please select1 year2 years3 years4 years5 years6 years7 years8 years9 years10 years11 years12 years13 years14 years15 years16 years17 years18 years19 years20 years21 years22 years23 years24 years25 years   Purpose of loan? Current residential status? Please selectDebt ConsolidationHome ImprovementCarHolidayWeddingOther   Please selectHome Owner - With a mortgageHome Owner - No mortgagePrivate Tenant - FurnishedPrivate Tenant - UnfurnishedLiving with parentsOther   What is your monthly income? (including any benefits) Your employment status?   Please selectEmployedSelf-employedUnemployedHome-makerStudentRetiredOther   Proceed to step 2.

Step 2 of 3

About your loan

You qualify for two types of loan. Select either: Homeowner Loan Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible. Unsecured Loan Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.   Estimated value of your property?   Your current mortgage balance?       Where will you buy your car? Please selectA DealerPrivate SaleI'm Undecided   What is the total value of money you owe to companies?   Do you owe money to 3 or more companies?     YesNo   What is your monthly rent/mortgage payment?   Your living arrangements?     Please selectSingleLiving with PartnerSingle & 1 ChildSingle & 2 ChildrenSingle & 3 ChildrenSingle & 4+ ChildrenWith Partner & 1 ChildWith Partner & 2 ChildrenWith Partner & 3 ChildrenWith Partner & 4+ Children   Your date of birth?   Do you have adverse credit? (if yes, we can still help) --12345678910111213141516171819202122232425262728293031--JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember----1991199019891988198719861985198419831982198119801979197819771976197519741973197219711970196919681967196619651964196319621961196019591958195719561955195419531952195119501949194819471946194519441943194219411940     YesNo   Proceed to step 3.

Step 2 of 3	About your loan
Based on your information we recommend you speak to a personal debt adviser. They will offer you advice on: Whether a loan is your best option Consolidating your debts Reducing the amount you owe How to freeze your interest payments Protecting you from creditors Proceed to step 3.

Step 3 of 3	Your details
First name: Last name:     Phone number: Alternate phone number:     E-mail address:   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

Finished

Thank you for your enquiry. Your adviser will be in touch with you shortly.

Self-cert loans can be a huge help to self-employed borrowers or anyone who needs to stretch their finances so they can purchase whatever they need. The range of UK self cert loans has increased dramatically over the past decade. Most banks and building societies have a specialist arm dedicated to providing loans for the self employed (among others). And an increasing number of specialists exist, so it is worth shopping around. Bear in mind that the size of the loan and the interest rates offered to you may be influenced by the type of work you do.

Self Cert loans represents a higher risk for lenders so interest rates will tend to be higher than conventional loans. 100% loans and bad credit loans are still available, but the market is extremly limited. However, self-certification loans tend to be expensive, you'll typically need to use a broker to find a suitable lender and it'strue that self cert loans are not ideal for everyone.

To get your hands on a self cert loan all you have to do is complete the short application above. Simple!