How to Get a Personal Loan in the UK Even with Debts – 5 Lenders 2025

In the UK, over 9 million adults struggle with problem debt, according to Money Advice Service 2025 figures. Getting a personal loan can feel out of reach, but options exist for those with poor credit history. The consumer lending market exceeds £200 billion annually, with focus on quick applications and personal loans near me. This guide highlights 5 lenders that may approve loans even with debts, based on current offers and FCA regulations. All loans fall under Financial Conduct Authority oversight, with annual rates up to 49.9 %.

Why Loans Remain Possible with Debts in the UK

The FCA regulates lending to protect consumers, allowing lenders to assess risk through guarantors, collateral, or alternative income. Instant loans no credit check rely on assets, lowering lender risk. Getting personal loan from £500 to £50,000 is common, with terms 6-60 months. Get a loan instantly grows popular due to approvals in hours.

1. HSBC – Flexible Loans with Security

HSBC offers personal loans up to £30,000 even for customers with issues, if security (home equity or guarantor) exists. Where can i get a personal loan applications approve in 2 days, rates 6-15 %.

2. Barclays – Options without Strict Checks

Barclays provides loans for smaller amounts (up to £20,000), focused on current affordability or guarantor. Instant loan no credit check possible with collateral.

3. Lloyds Bank – Fast Loans for Urgent Needs

Lloyds specializes in get a loan instantly situations, with approvals in 15 minutes for amounts up to £10,000. Rates 8-20 %, suitable for those with debts.

4. NatWest – Microloans for Poor History

NatWest offers 50 loan instant no credit check style loans for customers with problems, up to £50,000 with guarantor or collateral. Quick applications are the main advantage.

5. Santander – Loans with Alternative Proofs

Santander approves online personal loans for bad credit up to £25,000, accepting alternative income proofs (benefits or rental). Get a loan instantly payout in 24 hours.

Tips for Responsible Borrowing

FCA license checks are essential. Calculate total costs including rates. Avoid multiple loans simultaneously to prevent debt cycles. Use comparators like MoneySuperMarket for offer reviews.

Conclusion

Even with debts, in the UK 2025, 5 lenders offer personal loans. Responsible approach is key for financial stability – choose carefully and plan repayment.