We currently don't have that product, but here are others to consider:
How we picked theseTo make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyPlease note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
How do Admiral loans compare against the competition?
See today's rates from across the personal loan market.
The Admiral Personal Loan charges 12.9% APR representative on loans between £1,000 and £40,000. Admiral offers the unsecured personal loan with repayment terms between 1 year and 8 years, and applicants can apply to borrow from £1,000 to £40,000.
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000 to £40,000 |
| Loan terms | 1 year to 8 years |
| Loan rate type | fixed |
| Fee | 0% |
| Same-day funding available | |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct debit |
It’s important to note that the rate you are ultimately offered by Admiral can depend on factors like your credit rating, income and expenditure. It may differ from the advertised “Representative APR”, because each loan application is assessed on an individual basis.
The Annual Percentage Rate (APR) is a summary of the yearly cost of a loan. It takes into account both interest and any unavoidable charges you'll need to pay (for example an arrangement/product fee) over the duration of a loan. Because Admiral doesn't charge an arrangement fee, its APR comprises just the interest rate – and so they're one and the same.
However, the vast majority of lenders tailor rates (and therefore APRs) to the individual applicant. If they think you're a riskier bet, they'll offset that by offering you a higher APR. The "representative APR" (as defined by the Financial Conduct Authority) is what Admiral gives to at least 51% of those who take out the loan. The other 49% could pay more. Admiral must calculate APR in the same way as other lenders, and must tell you your personal APR before you sign a loan agreement.
Admiral advertises a representative APR of 12.9% on loans between £1,000 and £40,000 on the Admiral Personal Loan.
Admiral is a UK-based insurance company, established in 1993 and specialising in car insurance. Having introduced innovative and popular products such as multi-car insurance to the UK market, Admiral also began offering personal loans in 2017.
Personal loans from Admiral are based on your individual circumstances, repayable over terms from one to five years and available in amounts up to £25,000. You can usually get an immediate decision when you apply online, and there are no “set up” or “arrangement” fees.
You should only apply for an Admiral loan if you meet the following criteria:
Unfortunately, you won’t be eligible for an Admiral personal loan if you:
Admiral typically offers loans to applicants with high credit scores. It's important to note that your credit record is just one factor that Admiral considers. However, if you don't have a high credit score, you're very unlikely to get approved for an Admiral loan.
A "Good" or "Excellent" credit rating would require a score of 881 or higher if you're referring to Experian's scale, 531 or higher if you're referring to Equifax's scale and 604 or higher if you're referring to TransUnion's scale.
No. Currently, decisions aren't instant. However, you can use the soft-search eligibility checker to instantly find out your chances of getting approved. (This won't affect your credit score.)
Yes, Admiral allows you to have more than one loan running at the same time. Each application for credit will be considered on its own merit. Alternatively, Admiral also allows you to effectively "top up" your loan by closing your current loan and starting a new, larger loan.
First, you can use this eligibility checker to find out if you'd be likely to get approved for the Admiral Personal Loan. This won't impact your credit score.
There are six steps to the application process:
In our independent 2025 customer satisfaction survey, 80% of Admiral’s users said they’d recommend the brand to a friend. Many customers praised the customer service and easy application process. Here’s what some of those Admiral customers had to say:
“It was a quick and easy process and managing the loan online is straightfoward.”
“They talked through everything with me making sure I understood.”
Admiral has received positive reviews from customers overall, according to review platform Trustpilot. It currently has a rating of 4.4 out of 5, based on more than 1,300 reviews (updated January 2024).
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
You can borrow from £1,000 to £35,000 with a Virgin Money personal loan over up to 7 years.
Capital One may not offer personal loans in the UK, but here are alternative options for those with less than perfect credit.
If your credit score isn’t spotless, you still have options when it comes to borrowing.
Everything you need to know about personal loans that charge no fees.
Hoping to buy a caravan, but worried about what it’ll do to your wallet? We’ve got the guide to ease those worries, so you can look forward to making lasting memories.
In need of a new computer but not sure how you can afford it? Whether your computer is broken beyond repair or you need one with more storage, we’ve put together a guide to help you find the best laptop loan for you.
Find out if a Norwich Trust homeowner loan is right for you. We walk you through the key features, eligibility and how to apply in this handy guide.
Need a new boiler but can’t afford it? We’ve got the guide to help, with everything you need to know about loans, boiler finance schemes and other ways that you can afford a new boiler.
Got a patchy credit record? All’s not lost – there are lenders who will consider you for a personal loan. Find out which ones, learn how to compare them and read about alternative options.
See which online lenders offer personal loans with low interest rates and learn how to get a loan with minimum interest.