Self Cert Loans

Compare self sert loan deals…

If you want a loan, but are self employed or unable to prove your income, you will need to look at the range of self cert loans on offer.

With a self cert loan you will generally be asked to:

declare your own income
provide an accountant certificate stating that your income is sufficient to service the certification loan
provide bank statements covering a certain period, so the lender can get an idea of your gross income

If you are a home owner, your mortgage repayment history will be useful as proof of punctual payment. Due to the potential risk to the lender, self cert loans generally carry a higher rate of APR, but many lenders offers deals where the rates drop after an initial period because you have then proved that you are able to keep up payments.

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Loans - Home Owner

Loans - Small Loans Under £10,000

Lender	Min - Max Loan	Credit History	Representative APR	Term	Apply
Zuto Car Loans	£1,500 - £50,000	Good to Poor Credit	19.1%	2 to 5 Years	Get Quotes >
Zuto Car Loans	Take charge of your car finance with Zuto. Loans of £1,500 - £50,000 for 2-5 years. Representative Example: The Representative APR is 19.1% (fixed) so if you borrow £7,500 over 49 months at a rate of 19.1% p.a. (fixed) you will repay £218.78 per month and repay £10,501.26 in total. b>				Get Quotes >

Provider	Loan Amount	Credit History	Rates From	Term
Zopa Loans »	£1,000 to £25,000	Good Credit Only	3.0% APR Representative (£7,500-£15,000)	1 year to 5 years	Get Quotes >
Zopa Loans »	Loans from £1,000 to £25,000. Fixed monthly payments and no set-up charges. 3.0% APR Representative. A loan of £10,000 over 5 years will cost you £179.68 per month at a representative 3.0% APR. The total cost after 5 years is £10,780, which includes £780.80 interest at 3.0% fixed and a £0 fee. The total amount of credit is £10,000. The rate and fee you are offered will depend on your individual circumstances				Get Quotes >
Santander Loans »	£1,000 to £20,000	Good Credit Only	3.00% APR Representative (£7,500-£15,000)	1 to 5 years	Get Quotes >
Santander Loans »	Loans from £1,000 to £20,000. Instant online decision. Representative 3.0% APR. Based on a loan amount of £10,000 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment of £179.51. Total amount repayable £10,770.60.				Get Quotes >
Hitachi Personal Finance Loans »	£2,500 to £25,000	Good Credit Only	3.3% APR Representative (£5,000-£25,000)	2 to 5 years	Get Quotes >
Hitachi Personal Finance Loans »	Loans from £2,500 to £25,000. Fixed monthly payments and no set-up charges. 3.3% APR Representative. A loan of £5,000 over 3 years will cost you £135.61 per month at a representative 3.3 APR. The total cost after 5 years is £8,136.60. The rate and fee you are offered will depend on your individual circumstances				Get Quotes >
AvantCredit Loans »	£1,000 to £20,000	All Credit Histories Considered	42.5% APR Representative	1 to 6 Years	Get Quotes >
AvantCredit Loans »	Rebuild Your Credit. Instant Online Decision using 'soft' credit searches (Won't affect your credit score). Funds as soon as same day. No early repayment fees. Dedicated Customer Support Team. Representative Example: If you borrow £3,000 over 3 years at a rate of 31.9% per annum (fixed) you will repay £137.31 per month & £4,943.25 in total.				Get Quotes >
118 118 Loans »	£1,000 to £20,000	All Credit Histories Considered	99.90% APR Representative	1 to 2 Years	Get Quotes >
118 118 Loans »	Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application. Fixed monthly repayments. Instant Online Decision. Representative Example: The Representative APR is 99.9% - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.				Get Quotes >

Lender	Min - Max Loan	Credit History	Representative APR	Term	Apply
Nationwide Loans	£7,500 - £14,999	Excellent Credit Only	3.90%	1 to 5 Years	Get Quotes >
Nationwide Loans	3.90% APR for new customers. 3.60% APR for existing customers. Loans of £7,500 - £15,000 for 1-5 years. Representative Example:If you borrow £10,000 over 5 years at a Representative rate of 3.9% APR fixed and an interest rate of 3.90% you would pay £183.41 per month. Total charge for credit will be £1,004.48. Total amount repayable is £11,004.60. b>				Get Quotes >
Santander Loans	£7,500 - £20,000	Excellent Credit Only	4.44%	1 to 5 Years	Get Quotes >
Santander Loans	All				Get Quotes >
RateSetter Loans (Excellent Credit History Only)	£1,000 - £25,000	Excellent Credit Only	7.00%	6 Months to 5 Years	Get Quotes >
RateSetter Loans (Excellent Credit History Only)	Loans from £1,000 to £25,000. Fixed monthly payments and no set-up charges. 7.0% APR Representative. Based on an assumed loan amount of £5,000 over 24 months at an interest rate of 7.0% p.a. (fixed). Monthly repayment £223.86. Total amount payable £5,372.64				Get Quotes >
AvantCredit Loans	£1,000 - £20,000	Poor Credit	48.50%	1 to 3 Years	Get Quotes >

Provider	Loan Amount	Credit History	Rates From	Term
Prestige Finance Loans »	£10,000 to £250,000	Good Credit Only	4.45%	3 to 25 Years	Get Quotes >
Precise Loans »	£20,000 to £100,000	All Credit Histories Considered	4.45% APR	3 to 30 Years	Get Quotes >
Shawbrook Loans »	£15,000 to £200,000	All Credit Histories Considered	4.49% APR	3 to 25 Years	Get Quotes >
Precise Loans »	£20,000 to £100,000	Fair Credit	6.74%	3 to 30 Years	Get Quotes >
Central Loans »	£10,000 to £50,000	All Credit Histories Considered	9.0% APR	5 to 25 Years	Get Quotes >
Central Loans »	http://www.fairinvestment.co.uk/images/Logos/Tables/central trust.gif				Get Quotes >

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

Provider	Min - Max Loan	Credit History	APR	Term	Max LTV	Apply
Masthaven Loans	£5,000 - £80,000	Fair Credit	9.95%	3 to 25 Years	60%	Get Quotes >
	£10,001 to £50,000	Poor Credit	15.00%	5 years to 25 years	70%	Get Quotes >
The Loans Engine »	£10,000 - £500,000	All Credit Profiles Considered	15.10% Typical (Variable)	3 Years - 25 Years	Up to 90%	Get Quotes >
The Loans Engine »	The Loans Engine are a broker, not a Lender. The Loans Engine will connect you with a Lender suitable for your needs. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.					Get Quotes >
Evolution Loans »	£3,000 to £10,000	Fair Credit	19.60%	3 to 10 Years	90%	Get Quotes >
Evolution Loans »	£5,000 to £10,000	Poor Credit	30.60%	3 to 10 Years	120%	Get Quotes >

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

Lender	Min - Max Loan	Credit History	Representative APR	Term	Apply
RateSetter Loans	£1,000 - £25,000	Excellent	7.90%	6 Months to 5 Years	Get Quotes >
RateSetter Loans	Loans from £1,000 to £25,000. Fixed monthly payments and no set-up charges. 7% APR Representative. Based on an assumed loan amount of £5,000 over 24 months at an interest rate of 7.0% p.a. (fixed). Monthly repayment £223.86. Total amount payable £5,372.64				Get Quotes >
Nationwide Loans	£1,000 - £2,999	Good Credit Only	13.70%	1 to 5 Years	Get Quotes >
Nationwide Loans	3.90% APR for new customers. 3.60% APR for existing customers. Loans of £7,500 - £15,000 for 1-5 years. Representative Example: 3.90% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.90% p.a. (fixed). Monthly repayment £183.41. Total amount payable £11,004.60. b>				Get Quotes >
Santander Loans	£1,000 - £2,999	Good Credit	21.14% for loans up to £2,999	1 to 5 Years	Get Quotes >
Santander Loans	All				Get Quotes >
AvantCredit Loans	£1,000 - £20,000	Poor Credit	48.50%	1 to 3 Years	Get Quotes >
UK Credit (Guarantor Loan)	£1,000 - £5,000 (Guarantor Loan)	All Bad Credit Considered	53.80%	1 to 5 Years	Get Quotes >

Fair Investment Company is independent and provides a selection of some of the leading loan deals available. Our service does not compare or contrast all of the loan deals currently available in the market. If you would like to arrange any of the products shown in the table please click on the “Apply” link which will take you to the provider’s website where you will be able to view further details of the product and apply online.

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

Self Cert Loans

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