Personal Loans


Representative APR 3.3% on loans from £7,500 to £15,000

For other loan amounts please click on our loan calculator

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Representative APR 3.3%

This rate applies for loans from £7,500 to £15,000. The rate offered will depend on the amount you wish to borrow and your individual circumstances. 

Representative example: If you borrow £10,000 over 60 months at a Representative APR of 3.3% and an annual interest rate of 3.25% (fixed) you would pay £180.80 monthly and the total amount you would repay would be £10,848.00.

Am I eligible for an Admiral loan?

Before applying, you should check that you meet the following criteria:

  • I'm a permanent resident of England, Wales or Scotland
  • I've lived in the UK for at least three years
  • I have a UK bank account in my name
  • I'm aged between 18 and 74 and will not be 75 or over at the end of the loan term
  • I'm in employment or retired, not self-employed and have a minimum annual income of £10,000
  • I've not had any County Court Judgements (CCJs) in the last three years
  • I've not been made bankrupt, had any Debt Relief Orders or gone through Individual Voluntary Arrangements procedures in the last six years

How do I apply for a loan?

When you're ready to apply for a loan with Admiral, you'll need to know:

  • your personal details
  • your financial details like annual income and monthly outgoings
  • your bank account details

Sometimes we'll need you to upload some documents e.g. proof of address, proof of income, before we can make a decision. So it's a good idea to gather all your paperwork together before you apply!

Easy to use

Nothing

Charmaine, Shropshire

Sep 2018

Staff on the phones have been excellent

A little bit more money than a few other insurers

Bethany, Bristol

Sep 2018

The phone call was easy and pleasant, easily understood and prompt.

Signal is always bad.

Jessica, Sutton Coldfield

Sep 2018

 

Do you have any questions about our loans?

Whether you're shopping for a loan or have already taken one out, we've answered the most common customer questions about Admiral personal loans.

I've taken out an Admiral loan - how long does it take to come through?

Once the loan is approved and you have signed the loan agreements, the money will go into your bank account, just after lunch time, on the third working day.

Why was the APR I was offered different to the representative APR?

The representative APR advertised is the APR that 51% of customers get offered. The actual APR offered depends on the amount you want to borrow along with your personal circumstances, financial circumstances and credit history.

How much can I borrow?

Admiral offer loans from £1,000 to £25,000. The amount you can borrow will be subject to credit checks and dependent on your, personal circumstances and affordability checks.

How long can I take a loan out for?

We offer loan terms between one and five years.

How quickly will I get a decision on my loan application?

Most people will get an instant decision online. Sometimes we will need more information from you e.g. proof of income or proof of address before we can make a decision.

If I apply for a loan, will it affect my credit rating?

Yes, when you apply for an Admiral loan we make a credit search which leaves a record on your credit file.

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A range of loans to suit your needs

As a basis for qualification, you must be a permanent resident of England, Wales or Scotland, having lived in the UK for at least 3 years, be between the ages of 18 and 75, and with no recent history of bad credit such as County Court Judgements (CCJs), IVA or bankruptcy. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You can apply for any amount between £1,000 and £25,000 for a period between 12 and 60 months.

APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you are offered may differ from the representative example displayed, this is because each loan application is assessed on an individual basis. The maximum APR we offer is 29.9%.

Admiral Loans are administered and arranged by Admiral Financial Services Limited. Admiral Financial Services Limited is registered in England and Wales at Tŷ  Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 10255225). Admiral Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register.

Admiral Financial Services Limited is a registered data controller (No. ZA257412). The data controller is Admiral Financial Services Limited. You acknowledge that by providing your personal data to us, you consent to its processing in the manners outlined in our Privacy Policy. Click here to read.

Please see our terms and conditions here.

AFSL are a member of the Finance and Leasing Association(FLA) who are an industry leader in promoting best practice within the motor finance, consumer and asset businesses in the UK. As a member we are subscribed to their Lending Code. Click here to download a copy of their Lending Code.

When you submit an application for a loan, we will conduct an application credit search which may affect your credit score, so you may wish to keep applications to a minimum to protect your credit rating.

If you have any queries about the manner in which your data is processed, please write to: Data Protection Officer, Admiral Financial Services Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.