Business Details
20 Years
experience
Your Trusted UK Personal Loan Provider
Since 2006, Everyday Loans has been dedicated to providing tailored financial solutions for individuals with less-than-perfect credit histories. As a direct lender operating nationwide through our branch network, we utilise Soft Search Technology to protect customer credit scores during initial applications. Our team of experienced financial professionals offers unsecured personal loans ranging from 1,000 to 15,000, with flexible repayment terms between 18 and 60 months. We prioritise responsible lending practices, ensuring all loans are assessed through comprehensive affordability checks while maintaining transparency throughout the process. Our case-by-case approach enables us to assist customers who may have been declined by mainstream lenders.With a strong focus on customer support, we provide in-person assistance at our branches while maintaining our headquarters in Slough. Our commitment to professional standards is demonstrated through our authorisation by the Financial Conduct Authority and membership of the Finance and Leasing Association. We continually strive to improve our services through technological innovation and maintain a customer-centric approach across all operations. Our experienced management team brings decades of expertise in specialist lending and financial services to ensure we deliver appropriate credit solutions to our customers.
Services
Personal Loans
Debt Consolidation
Home Improvement Loans
Wedding Loans
Car Loans
Bad Credit Loans
Unsecured Loans
Joint Loans
Emergency Loans
Flexible Term Loans
Details
- Year established: 2006
Highlights and features
- We use Soft Search Technology that doesn't impact credit scores
- We offer loans to people with bad credit histories
- We operate as a direct lender with no broker fees
- We provide in-person branch support nationwide
- We conduct comprehensive affordability assessments
Associations and certifications
- Financial Conduct Authority
What people say
Tailored support
Flexible approach
Bad credit accepted
In-person assistance
Quick decisions
Services
Personal Loans
Unsecured personal loans from 1,000 to 15,000 with fixed interest rates. Designed for UK residents with bad credit histories, these loans offer flexible repayment terms between 18 and 60 months while maintaining responsible lending practices. Applications use Soft Search Technology that doesn't impact credit scores before formal approval.
Debt Consolidation
Loan solutions for consolidating multiple debts into a single manageable payment. Designed to help customers simplify their finances while potentially reducing monthly outgoings. Requires comprehensive affordability assessment and proof of income. Available through our nationwide branch network with specialist support available.
Home Improvement Loans
Unsecured funding for residential property improvements with terms from 18 to 60 months. Designed for homeowners and tenants needing funds for repairs, renovations or extensions. Available to applicants over 18 with proof of regular income and ability to make repayments.
Wedding Loans
Specialist financing for wedding-related expenses with fixed monthly repayments. Available from 1,000 to 15,000, this option helps couples cover venue costs, catering and other wedding essentials while maintaining responsible lending standards.
Bad Credit Loans
Specialist financial products for applicants with imperfect credit histories. These loans consider individual circumstances rather than relying solely on credit scores. Require proof of UK residency, regular income verification and ability to make repayments.
People
Jono Gillespie
Chief Executive Officer
CEO since 2022 with extensive financial services experience, including senior roles at Non Standard Finance Plc and Provident Financial. Holds CIMA qualification and specialises in financial technology and digital transformation.
Asif Nadeem
Chief Transformation Officer
Joined in 2023 with 19 years' experience in finance and technology across Provident Financial and Loans at Home. Focuses on operational improvement and strategic growth initiatives through technology implementation.
Debs Green
Chief Operating Officer
Appointed in 2025 with 30+ years in financial services. Previously held senior customer operations roles at Vanquis Banking Group and Cabot Credit Management. Specialises in customer experience and team development.
Chris Cutter
Chief Risk Officer
With Everyday Loans since 2006, brings 20+ years of financial sector experience. Progressed from branch manager to risk leadership role. Responsible for regulatory compliance and innovative process improvements across the business.
Chris Pearson
Chief Financial Officer
Joined Everyday Loans in 2023 with 21 years' financial services experience. Previously held CFO roles in subprime lending and worked in renewable energy and stock broking. Focuses on financial strategy and business growth.
Questions
Do I need to be a homeowner to qualify?
No, we offer unsecured loans to tenants and those living with family.
Will applying affect my credit score?
No, our initial Soft Search doesn't impact credit scores.
Are there application fees?
No, we don't charge any fees for loan applications.
How much can I borrow?
We offer personal loans from £1,000 to £15,000 with flexible repayment terms.
What if I miss payments?
Contact us immediately to discuss payment arrangements and avoid credit score impact.
Can I make early repayments?
Yes, you can settle early with no additional fees, potentially reducing interest costs.
