Instalment loans, without the runaround.

InstalmentLoans.co.uk is a free instalment-loan education site. Compare offers calmly, run the numbers first, and borrow only when the repayment fits — no pressure, no rush.

Check your instalment loan options Check the repayment first

We may receive a commission from lenders or brokers if you take out a loan through a link on this site. This does not affect the amount you repay.

WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

What is an instalment loan?

An instalment loan is a fixed sum you borrow once and repay in regular instalments, usually monthly, over an agreed term. Because the term is fixed, so is the number of payments, which makes budgeting simpler than a revolving credit card.

What is an instalment loan? — how the product works
APR vs interest rate — why the headline rate is not the full cost
How the term changes what you repay

Check the rules where you live

Credit rules differ across the UK. Our regional reference explains the basics and links every figure to its publisher and date.

UK regional credit reference — the regulator to check
Town pages — sourced population and local context
Guides — how instalment loans work and how to compare them

Compare the cost, not just the headline rate

The interest rate is only one part of the cost. A longer term lowers the monthly payment but usually increases the total interest. Use the free calculators to see both before you apply.

Representative example: £1,000 borrowed over 18 months, repayable in 18 monthly payments of £89.22. Total amount repayable £1,605.96. Interest £605.96. Annual interest rate 59.97% (fixed). Representative APR 79.5% (variable).

Rates from 48.1% APR to 1,721% APR. Minimum term 1 month; maximum term 36 months.

Run the numbers with our free calculators

How InstalmentLoans works

We are an independent publisher, not a lender. We do not process applications and we do not run a credit check on this site. Every calculator runs entirely in your browser, and every factual claim links to a primary source. When we cannot verify a figure, we link to the source instead of guessing.

Check your instalment loan options Check the repayment first

We may receive a commission from lenders or brokers if you take out a loan through a link on this site. This does not affect the amount you repay.

WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Frequently asked questions

How does InstalmentLoans.co.uk make money?

InstalmentLoans.co.uk is an independent publisher. When you click through to a lender or broker and take out a loan, we may receive a commission. That does not affect the amount you repay, and it never changes what we publish — see our affiliate disclosure.

Does InstalmentLoans.co.uk lend money?

No. InstalmentLoans.co.uk is not a lender and does not make credit decisions. We publish calculators, guides and sourced reference data so you can compare offers from FCA-authorised lenders and brokers you choose yourself.

Does applying through InstalmentLoans.co.uk affect my credit score?

We do not pull your credit and we do not process applications. Any credit search happens at the lender you choose. Many lenders and brokers use a soft search for eligibility checks, which does not affect your credit score.

What is a realistic APR for an instalment loan?

APRs vary widely with your credit history, the amount and the term. Rather than quote a number we cannot stand behind, we show you how APR works and link to the FCA and MoneyHelper so you can see the rules that set what lenders must disclose.