Personal Loans

No surprises. Get a personalised quote today

Check you're eligible for a personal loan with us and find out your actual rate by completing a quote today, with no impact on your credit score.

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

Representative example

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 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 21 and 64 and will not be 66 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?

You can get a personalised loan quote, with no impact to your credit score. This will confirm if you are eligible for an Admiral 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.


Forfar angus

Good APR and easy application process

Debra, Kilmarnock

Oct 2020

So easy to do. Money in on 3rd day


Oct 2020

Quick easy service.


Catherine, Wirral

Oct 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.

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?

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?

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.

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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

Helpful Guides

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Find out what you can do to get a better credit rating.

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What is APR?

We've all heard of it - but what does it actually mean?

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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 3834 reviews from the last 12 months