Simple finance from trusted lenders
See an estimated rate with our calculator and your personalised rate in just 2 minutes
A loan of £10,000 over 5 years will cost you £210.05 per month at a representative 9.9% APR.
The total cost after 5 years is £12,602.87, which includes £2,362.87 interest at 8.8% fixed and a £240 fee. The total amount of credit is £10,000.
The rate and fee you are offered will depend on your individual circumstances.
Unlock the potential for all home improvements
Why use Payaca?
- Get same day finance so there’s no delay getting your work started.
- Our lenders only run soft credit checks so getting a quote won’t affect your credit score.
- Get access to the best unsecured loans of £1,000 to £25,000 with rates starting at 2.9% APR.
- We take the hassle out of searching for great lenders.
Hear from our customers
“This service is fantastic. The ability to get an instant decision from a lender I know I can trust was far better than what my bank could offer. Being able to receive payment the same day was great, I would have no hesitation in recommending them to anyone.” Mike Nicholson – Homeowner
“Thank you for your help with the finance, I can’t believe how quickly it’s been dealt with. Much appreciated!” Karen – Homeowner
Our trusted lenders
We’ve done the hard work for you, searching for the most trusted lenders offering you the best rates on unsecured personal loans of up to £25,000. All of our lenders use a soft credit check, so you get an instant decision without it affecting your credit score. And it’s quick – funds can be yours the same day you apply.