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Apply for £5000 Loans Online

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We encourage you to consider your financial circumstances carefully before applying for a loan to ensure it's suitable for your situation.

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SECURED LOANS - Rates start at 6.7% variable. We also have a range of plans with rates up to 36.6%, giving us the flexibility to help you find a loan that suits your needs.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENT ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Representative example: if you borrow £34,480 over 10 years, initially on a fixed rate for 5 years at 7.60% and for the remaining 5 years on the lenders standard variable rate of 8.10%, you will make 60 monthly payments of £467.50 and 60 monthly payments of £473.06. The total repayable would be £56,528.60 ( This includes a lender fee of £595 and a broker fee of £4137) The overall cost for comparison is 11.3% APRC representative. The maximum APR is 36.6%.

HOMEOWNER UNSECURED LOANS - Rates from 12.9% APR. Representative example: if you borrow £12,000 over 4 years at a Representative APR of 15.4% APR (fixed) you would pay £330.33 per month. The maximum APR is 99.1%.

Please ensure you read and fully understand the specific terms and conditions provided by the lender before accepting any loan offer.

What can £5000 Loans be used for?

Long-term loans are one of the primary financial instruments that can use for various purposes, and lenders will help you choose the correct loan option that suits your cash requirement.

Debt Consolidation
Debt Consolidation

Use this loan to simplify your multiple debts into one monthly payment, where the loan tenure varies from 12 to 64 months.

Buying a Car
Buying a Car

You can now purchase your dream car that you wish to drive from our panel of lenders who offer easy finance.

Home improvements
Home improvements

These loans can use for significant improvements to your existing home. We try to find you the best deal that’s right for you.

Personal loan
Personal purposes

Get this loan type to meet your financial contingency or emergency purposes where immediate funding is needed.

Can I borrow a 5000 loan over 3 year period?

Yes absolutely! Depending on your needs and circumstances, you can borrow a £5000 loan for over 3 years, either as a secured or unsecured loan. You would offer something valuable you own, like a car or a home, as security in a secured loan.

An unsecured loan is based mainly on your credit history and income. Think of it as a trust-based loan where the lender believes in your ability to repay based on your financial track record.

The repayment period of 3 years (or 36 months) is a common term. It is long enough to keep monthly payments manageable without stretching the interest payments. So, it is a balancing act between affordable monthly payments and the total cost of the loan.

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If I have bad credit, can I still apply for a £5000 loan?

Applying for a £5000 loan is still possible even with bad credit. Lenders understand that financial situations can change, and many are willing to consider your current circumstances rather than just your credit history. These loans might come with higher interest rates or require a guarantor — someone who agrees to pay back the loan if you cannot. It is like having a safety net for the lender.

Also, consider a secured loan, where you offer an asset (like a car or property) as collateral. Borrowing with bad credit means the loan could cost more in the long run, so plan your finances accordingly. Remember, each loan you manage well is a step towards rebuilding your credit profile.

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How can I find the best direct lender for quick £5000 loans?

Choosing a credit broker like ClixCredits, instead of going directly to a lender, can be a wise choice when looking for a quick £5000 loan, especially if you value convenience, choice, and tailored advice. We might get you a better rate on your £5000 loan than you could secure solely.

Searching for and comparing loans can be time-consuming and overwhelming. We have access to a diverse range of lenders as credit brokers. Instead of you knocking on multiple doors, we bring the doors to you! Direct lenders can only offer their products, but we can sift through various options to find the best match for you.

Find a direct lender through us

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About

About Us

About Us

About

As a credit broker, we facilitate the matching of borrowers with potential lenders on our panel but are not involved in the final lending decision.

Clixcredits is an online credit broker with a large panel of lenders who offer long-term loans to the one who needs financial assistance. These long-term loans will make it easy for any individual dealing with cash crunches, as it has affordable interest rates and comfortable repayment terms.

You will be required to fill up the form and provide accurate details and proper documents for the lenders to assess and analyse your information. Once your details are submitted, our matching service will try to find the best possible financial solution according to your requirement. If approved, the loan amount gets disbursed to your bank account.

We do not charge any fees to use our website services. However, we receive a commission for introducing you to our network of lenders and brokers. If you are not approved or eligible for the requested loan amount, you will be offered an alternative solution under no obligation to accept.

How It Works

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Apply Online
Apply online

Fill out our loan application by giving your full and proper details.

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Analyse
Analyse

Our loan matching service will analyse and search for a possible suitable solution.

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Easily Accessible
Easy access

If you are accepted, you will be redirected to the lender's page with an offer and you are under no obligation to take it.

Get money disbursed
Get funded

After verifying your documents, once approved, lenders will deposit your loan amount into your bank account.

Why Choose Us

Quick acceptance
Easy to Apply

Our website is fully optimised, so; you can manage the application from anywhere.

Wide range of lenders
Wide range of lenders

We are a credit broker and we have a panel of lenders.

Safe and Secure
Safe and Secure

We respect your privacy and see that your data is safe and secure with us.

FAQ's

How can I get a £5000 loan in the UK?

When you choose a credit broker like ClixCredits, getting a £5000 loan in the UK can be straightforward. Would you prefer a secured loan, which might have lower interest rates but requires you to put up an asset like your home or car as collateral? Or an unsecured loan, which does not require collateral but might have higher interest rates?

Before applying, it is good to obtain your credit score and financial standing. It is where ClixCredits comes in, saving you the time and hassle of applying to multiple lenders individually.

If approved, the lender will finalise the loan agreement for you to sign. After everything is signed and approved, the funds are typically deposited into your account, sometimes as quickly as within 24 hours.

By using a credit broker like ClixCredits, you benefit from our expertise and access to a wide range of lenders getting a £5000 loan easier, quicker, and more tailored to your individual needs.

At ClixCredits, we proudly offer our credit brokering services free of charge. It means when seeking a £5000 loan for any term between 3 to 25 years, you would not pay any upfront fees or hidden charges for our assistance, whether secured or unsecured.

We believe in transparency. Our services include helping you find the right loan and providing no-cost guidance. Our commitment to not charging our customers ensures that we entirely focus on finding the best loan options for you. Using our services becomes a risk-free way to explore your loan options with no fees.

Yes! A credit check is typically involved when applying for a £5000 loan through ClixCredits. A credit check is a review of your credit history by lenders. Initially, we might conduct a soft credit check. It is a basic check that does not affect your credit score. However, the lender will perform a hard credit check when you proceed with a loan application.

On the other hand, a poor credit history might make it harder to get approved or result in higher interest rates. While a credit check is essential for the application process, it is not the only factor lenders consider. Note that a hard credit check can be conducted only with your permission.

Whether you can get a same-day payout for a £5000 loan depends on various factors, including the lender policies and your bank processing times. Some lenders can process loans quickly and can offer same-day payouts. The speed of your loan approval also depends on how quickly you can provide the necessary information and documentation.

Even if a lender approves your loan and releases the funds on the same day, your bank processing times play a crucial role. Some banks may process these transfers quickly, while others might take time outside the lender's control. Applications made late in the day, on weekends, or holidays may face delays.

Not all lenders offer same-day payouts, so it is vital to check this with the specific lender you are considering. At ClixCredits, we can guide you to lenders who may offer this facility but keep these variables in mind.

Eligibility Criteria

Our partnered lenders conduct thorough credit and affordability checks as part of responsible lending practices.

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Be a UK Resident
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Be over 18 years old
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Have a UK bank account
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Be in a Full-time / Part-time employment
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Meet the lenders’ criteria and credit affordability assessment

APR Disclosure

SECURED LOANS - Rates start at 6.7% variable. We also have a range of plans with rates up to 36.6%, giving us the flexibility to help you find a loan that suits your needs.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENT ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Representative example: if you borrow £34,480 over 10 years, initially on a fixed rate for 5 years at 7.60% and for the remaining 5 years on the lenders standard variable rate of 8.10%, you will make 60 monthly payments of £467.50 and 60 monthly payments of £473.06. The total repayable would be £56,528.60 ( This includes a lender fee of £595 and a broker fee of £4137) The overall cost for comparison is 11.3% APRC representative. The maximum APR is 36.6%.

HOMEOWNER UNSECURED LOANS - Rates from 12.9% APR. Representative example: if you borrow £12,000 over 4 years at a Representative APR of 15.4% APR (fixed) you would pay £330.33 per month. The maximum APR is 99.1%.

Please ensure you read and fully understand the specific terms and conditions provided by the lender before accepting any loan offer.