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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.

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%.

What can long-term 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 get a long-term loan with a guarantor?

The answer is yes. We help you navigate the diverse loan options in the UK, including long-term loans with a guarantor as credit brokers. While we don't lend money directly, we can connect you with lenders who offer such loans.

While your credit score may not need to be perfect, some level of creditworthiness is often required. Your guarantor should have a good credit history and stable income. Most lenders prefer a close relationship between the borrower and the guarantor.

Guarantor loans can offer access to considerable loan amounts than might be possible based solely on your credit history. Having a guarantor might result in more favourable interest rates than other forms of credit available to those with poor credit histories.

Your guarantor will be legally responsible for the loan if you default, which can affect your credit score and financial health. We recommend discussing your financial situation with a qualified advisor to understand the implications of a long-term guarantor loan.

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Can I apply for a long-term loan without a guarantor?

Yes, it is possible to secure a long-term loan without a guarantor. We are credit brokers who help you explore lending solutions that fit your demands and situation.

Long-term loans are suitable options if you have a good credit history or sufficient income to reassure lenders of your ability to repay the loan. Lenders will conduct a thorough credit check and assess your financial situation.

Interest rates may be higher for non-guarantor loans, reflecting the increased risk for the lender. Before agreeing to the loan, understand the loan terms, including the interest rate and repayment schedule.

It's crucial to borrow responsibly. Consider the loan amount you need, your ability to repay, and whether you have a stable income source.

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How can I find a direct lender for long-term loans?

While you might be considering finding a direct lender for long-term loans in the UK, it's worth exploring the benefits of applying through a credit broker instead. Unlike some direct lenders who may charge application or processing fees, we are credit brokers who do not charge fees for our lender-matching services.

We have access to a broad network of lenders. Searching for the right lender can be time-consuming, so we streamline this process by doing the legwork for you. We are skilled in matching your profile with lenders most likely to approve your application. This can increase your chances of approval compared to applying directly to a single lender, especially if you have a unique financial situation or credit history.

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About

About Us

About Us

About

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 | No Guarantor Loans

What is a long-term loan?

A long-term loan in the UK refers to a type of borrowing arrangement where the repayment period extends over several years, typically ranging from 3 years to 25 years or more. Fixed rates remain the same throughout the loan term, offering predictability in repayments.

We are credit brokers who help you in lender matching for a long-term loan which can be secured or unsecured. Secured loans require collateral, like a house or car, which the lender can claim if you fail to repay. Unsecured loans do not require collateral but might have higher interest rates due to increased lender risk.

Repayments are usually made monthly and consist of a portion of the principal amount plus interest. Your handling of the loan (timely or missed payments) will impact your credit score. Consistent, on-time payments can improve your credit score, while defaults or late payments can harm it.

The speed at which funds are transferred after approval can vary widely between lenders. Some lenders in our network may aim to transfer funds within the same day of approval, but this isn't guaranteed. Banking policies also play a part in the transfer of funds and may vary from one bank to another. Always carefully review the terms the lender applies before agreeing to a loan.

As credit brokers, we operate transparently. We do not charge any fees for using our website services. However, the fees associated with the loan as interest or late payment fees, are determined by the lender. Always read and understand your loan agreement before accepting any terms.

At ClixCredits, we offer a user-friendly platform that connects applicants with a wide range of lenders and brokers. Thus, you do not have to go to multiple lenders or broker’s websites to find the loan. We aim to help you explore the best potential loan options, even if you've struggled with credit in the past. We adhere to ensure that our practices are fair and transparent. Please note that the approval of loans is not guaranteed and is at the discretion of the individual lenders within our network.

Eligibility Criteria

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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.

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%.