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Loans from £5,000 to £1 million
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Secured Loans

Looking for a secured loan?

The Personal Finance Centre have a team of fully qualified and very experienced loan advisors, who are each an expert in all aspects of the secured loan market.

We have years of experience in finding the best solutions for thousands of our customers.

We offer a range of secured loans to suit most circumstances.

Rates from 6.2% pa

Large number of competitively priced plans that allow for:

We can provide you with a secured loan that has the most competitive interest rate available in the market, based on your personal circumstances.

Please try our easy to use secured loan calculator to see how much a secured loan might cost per month.

Secured loans can offer advantages over other types of loans:

A secured loan offers flexibility and can be used for almost any purpose:

Applying for a secured loan with The Personal Finance Centre is very easy.

We will take the time to fully understand your requirements and circumstances, before finding the best loan deal for you.

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Combine all your monthly outgoings into one lower and more convenient monthly repayment!

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What is a secured loan?

A secured loan or homeowner loan can be a great option if you are looking to borrow a larger sum (upwards of £10,000). Secured loans use your property as security against the loan amount you are looking to receive.

Therefore, it is important to have a realistic payment plan and we can help you with this.

Keeping up payments is very important as your property could be at risk should you fail to meet the terms of your agreement.

What if I have bad credit?

It can be even easier to get a secured loan over a traditional loan if you have previous credit issues. Having an adverse credit history does not mean you would be unable to apply for a secured loan.

If you are concerned about you credit history, please call one of our expert loan advisers on 01482 968600. They will be happy to talk you through your available options.

What do I need to apply?

If you feel like you are ready to apply for a secured loan you can use our quick and easy online application form, or alternatively you can call one of our friendly advisers who will discuss your options 01482 968 600.

When you apply to us, we will discuss your options. There is no obligation or pressure sales. We are finance specialists, not salespeople.

calculating a secured loan

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Frequently Asked Questions

Can I apply for a secured if I have credit problems?

Yes, there are lots of secured loan plans that allow for credit problems. Many also offer very favourable interest rates.

When underwriting loans, lenders look at the potential risk. A poor credit history is considered a risk, but the fact that the loan is secured against a property helps to offset this risk.

How much can I borrow using a secured loan?

Our loans start from £5,000 and go up to £1 million.

The maximum loan available will depend on the loan to value and available equity in the security property, the cost of the monthly repayment when compared to available income, and credit history.

How long can I have a secured loan over?

Our repayment periods start from 3 years and go up to 30 years. Many lenders have a maximum loan term of 25 years, but there are some options for 30 years.

The loan can be repaid in full or in part at anytime.

Our Reviews

Great Company!

"Really helpful staff. Very friendly and efficient. If I could give more stars I would."

Adelle H
Outstanding People

"Always kept in touch during the process to let me know what was goiung on."

Lee D
5 Star

"If I ever need a service they offer in the future I will not hesitate to use them again."

Excellent Service

"Looked after me well and went above and beyond, would recommend."

Alan R
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Our Memberships

FIBA Member
Association of Finance Brokers
Association of Mortgage Intermediaries

The Personal Finance Centre is a Finance broker and not a lender.



Initial Borrowing Rates from 6.2% pa. We also have a range of plans with rates up to 17.9% pa (variable), allowing us to help customers with a range of credit problems.

Secured Loan Representative Example: If you borrow £15,000 over 10 years at an annual interest rate of 8.83% you would make 120 payments of £213.72 per month. The total amount repayable will be £25,647.00 (This includes a lender fee of £595 and a broker fee of £1,500 which have been added to the loan). Total charge for credit will be £10,647.00.

Overall cost for comparison is 11.83% APRC representative.

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