Personal Loans Calculator

Loan amount

Loan duration


Representative APR:

60 Monthly payments of:

Total payable:

Individual rates may differ from the Representative APR

Got a question? Read the FAQs

Representative example

If you borrow £10,000 over 60 months at a Representative 3.0% APR and an annual interest rate of 2.96% (fixed) you would pay £179.51 monthly and the total amount you would repay would be £10,770.60.

At least 51% of people who take out a loan between will be given the advertised representative APR. The rate you’re offered will depend on the amount you wish to borrow along with your personal circumstances, financial circumstances and credit history.

Am I eligible for an Admiral loan?

Before applying, check 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 and 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 and have a minimum annual income of £10,000

I do not currently have any County Court Judgements (CCJs), any Debt Relief Orders or an Individual Voluntary Arrangement (IVA) and I am not currently Bankrupt

How do I apply for a loan?

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

  • Personal details
  • Financial details like annual income and monthly outgoings
  • Bank account details

Sometimes we'll need you to upload documents like proof of address and income before we can decide. It's a good idea to gather all your paperwork before you apply!

A really simple application process and quick decision.



Very quick and very good rate. No extra hidden costs.



Admiral have got excellent customer service and made the whole process very easy for me.


Forfar angus

Easy to apply and hit my account


Mar 2020

Very easy to apply

Waiting time for funds to be credited to account


Mar 2020

Great service


Mar 2020

Admiral Thinking

Do you have any questions about our loans?

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 the agreements signed, the money will go into your bank account between 12:00 and 17:00 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 offers loans from £1,000 to £25,000. The amount you can borrow is subject to credit checks and dependent on your personal circumstances and affordability checks.

I’m struggling to pay my Admiral loan – what shall I do?

Give us a call as soon as you can on 0333 234 6009 or visit our payment help page for more information.

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

Most people will get an instant decision online. Sometimes we'll need more information such as proof of income or address before we can decide.

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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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 is a trading name of Admiral Financial Services Limited (AFSL). Admiral Financial Services Limited (AFSL) is registered in England and Wales at Tŷ  Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 10255225). Admiral Financial Services Limited (AFSL) is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). These details can be confirmed by visiting the Financial Services Register,

Admiral Financial Services Limited (AFSL) 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.

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Admiral Personal Loans is rated 9.5 out of 10 based on 7131 reviews from the last 12 months