Personal Loans

How can we help you today?

We've paused new loans to customers but we'll be back soon. We've made this decision to ensure we're focussing on servicing our existing customers and looking after our staff.

Find the answers to commonly asked questions about Loans.

Existing customers

If you want to make changes or need a settlement quote.

Get in touch

Payment help

If you're unable to make your usual monthly payments.

Help with your payments

New Customers

If you want to check the progress of a new application.

Check progress

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

All managed courteously and efficiently.

Deborah, East sussex

Aug 2020

Quick and effective way of borrowing money, with one of the best APR's

Martin, Conwy

Aug 2020


quicker pay in

S, sheffield

Aug 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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A range of loans to suit your needs

"Transformed my house into my home"

Read how an Admiral Loan has helped change the lives of our customers for the better.

Find out more

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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.

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. 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.

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.

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Admiral Personal Loans is rated 9.5 out of 10 based on 4931 reviews from the last 12 months