The rate you are offered will depend on your individual circumstances and all loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount.
Representative Example: Borrowing £10,000 over 60 months with monthly repayments of £209.91. The total amount repayable will be £12,594.60. Representative 9.9% APR, annual interest rate(fixed) 9.48%.
Am I eligible for an Admiral personal 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 70 and will not be over 70 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
What is an unsecured personal loan?
An Admiral Unsecured Personal Loan is a type of loan where you agree to repay money back in full, over an agreed length of time along with interest charged at an agreed APR.
An unsecured personal loan differs from our Car Finance products as the loan isn't secured against an asset. That’s one of the main differences between a secured loan and an unsecured personal loan.
It's important that you maintain repayments due under your Admiral loan, if you're struggling financially it's important that you speak to us as soon as possible.
How to get a loan with Admiral:
You can get a personalised loan quote, with no impact to your credit score. This will confirm if you are eligible for an Admiral Personal Loan, and what APR we can offer. To do this, you'll need your:
- Personal details
- Financial details like annual income and monthly outgoings
- Bank account details
If you are happy with this quote, you can submit an application which will record a hard credit search. Sometimes, we may need you to upload documents like payslips and bank statements before we can approve your loan. 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.
Just so easy to proceed with.
Quick and easy process.
easy to navigate website
could be quicker to receive funds
Do you have any questions about our unsecured 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.
How will I know what APR I can get?
By completing a quote with us, you can find out the exact APR we’ll be able to offer you. At this point, only a soft search will be made on your credit file. Only if you go on to complete an application will a hard footprint then be recorded on your credit file.
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?
Please visit our payment help page if you're having trouble paying back your loan.
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?
If you complete a quote to find out what APR we can offer you, this will be classes as a soft search and will not affect your credit rating. However, if you complete a full application, a hard footprint will be recorded on your credit file.
Admiral One, Admiral Loans and Admiral Car finance are all trading names of Admiral Financial Services Limited (AFSL). The maximum APR we offer is 29.9%. 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.