Use our Bamboo loan calculator to get an idea of how much you'd pay back on a fixed-rate, unsecured Bamboo personal loan as a new or existing customer. Loan amounts between £2,000 and £15,000 with rates starting from 26.9%.
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Our calculator lets you pick how much you want to borrow over a time frame that suits you, so you can estimate how much you would pay back each month and pay back overall. We base our calculations on Bamboo’s representative APR, but it’s important to note that your circumstances can affect the rate you’re offered. Bamboo’s APR is relatively high, because it typically serves borrowers with lower credit scores – that’s its niche.
Please 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 Bamboo loans compare against the competition?
See today's rates from across the personal loan market.
For applications approved and completed prior to 3pm.
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
Continuous payment authorisation
APR and Representative APR explained
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 Bamboo 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 Bamboo gives to at least 51% of those who take out the loan. The other 49% could pay more. Bamboo must calculate APR in the same way as other lenders, and must tell you your personal APR before you sign a loan agreement.
Bamboo advertises a representative APR of 26.9% on loans between £0 and £0 on the Bamboo Personal Loan.
What is Bamboo?
Bamboo is a direct lender, based in the UK and lending to around 20,000 people each year. It used to offer two main types of loans: unsecured personal loans, for borrowers who want to borrow up to £8,000; and guarantor loans, for borrowers who have a poor credit score or who need larger sums, but now only offers unsecured personal loans. Suitable for pretty much any responsible purpose, a Bamboo loan might help you to buy a car, make home improvements, consolidate debts or even get married.
Are Bamboo loans any good?
Bamboo is a direct lender providing loans to borrowers with fair and poor credit ratings.
When it comes to customer reviews, Bamboo currently has an “excellent” customer rating according to review platform TrustPilot, based on over 19,000 reviews. Many customers praised Bamboo Loans’ customer service and application process.
What is a guarantor loan?
A guarantor loan is an unsecured personal loan which is “guaranteed” by somebody who trusts the borrower – typically a friend or relative. They agree to pay back the loan should you struggle to meet the loan repayments. This type of loan generally comes with a higher interest rate, as it represents greater risk to a lender, but it is available to people who might struggle to get finance through the regular channels. Generally, where an individual with bad credit is seeking a guarantor loan, the guarantor will need to have good credit. Guarantor loans are available from specialist lenders such as Bamboo.
If you want to borrow more or if you have a poor credit score, you may need a guarantor loan, where the following additional features will apply:
Loan amounts of £1,000-£8,000.
Backed by your guarantor. You will need a friend or relative who promises to step in if you miss repayments on your loan.
Low credit score accepted. You can be accepted for a Bamboo guarantor loan if you have a low credit score or do not own your own home.
The rate you are offered by Bamboo will depend on factors like the loan value, the term of the loan, your credit rating and your income. It may differ from the advertised “Representative APR”, because each loan application is assessed on an individual basis.
Bamboo Loans customer reviews
Bamboo currently has favourable reviews from customers, according to review platform Trustpilot. It has a rating of 4.9 out of 5 on Trustpilot, based on more than 31,000 reviews, which gives it an “excellent” overall review rating (updated June 2025).
Many customers applauded the customer service and quick and easy loans process, with over 90% of customers on Trustpilot giving Bamboo an “excellent” rating.
Customer support
For any queries, you can call Bamboo on 0330 159 6010. Lines are open Monday-Friday from 9am-5pm.
Am I eligible for a Bamboo personal loan?
You can apply for a Bamboo loan if you meet the following basic criteria:
You must be at least 18 years of age
You must be a UK resident (not including the Isle of Man and Channel Islands)
You must have a UK bank account and a valid UK debit card
You must be able to afford the monthly payments
You must not be bankrupt
Who can be a guarantor?
A guarantor for a Bamboo loan should be someone who is willing and able to make the payments for you if things go wrong. A guarantor for a Bamboo personal loan must also meet the following criteria:
A guarantor must be aged between 21 and 72 at the start of the loan
A guarantor must be a UK resident (not including the Isle of Man and the Channel Islands)
A guarantor must hold a UK bank account and valid UK debit card
A guarantor must not hold a Bamboo loan in their own name or already be a Bamboo guarantor for someone else
How do I apply?
If you think that a Bamboo loan is right for you, here’s how the application process works:
Complete the online application form – as well as the usual personal and contact info you’ll need to provide some details on your employment and your regular outgoings.
After you have submitted the form, Bamboo will send you details of the best available personal loan or guarantor loan for your circumstances.
If you are applying for a guarantor loan, you will also need to provide contact details for your guarantor.
Bamboo will send an email to the proposed guarantor so that they can complete their part of the application.
Bamboo will then ask you for some documents to prove your identity. If all documents are received by 3pm, Bamboo will aim to pay out the loan the same working day.
Pros and Cons of Bamboo personal loans
Pros
Loans available from £1,000 up to £8,000
No charges for early repayments
Fixed monthly payments
Available to those with a poor credit score
Cons
Higher interest rates
Missing a payment could negatively impact your credit rating
Do bamboo loans do top ups?
Yes, you can top up or increase your Bamboo loan if you’re an existing Bamboo customer. The most you can borrow on a Bamboo unsecured loan is £8,000, which is the maximum amount you’ll be able to top your loan up to.
All Bamboo loan customers can apply for a loan top up, but your application will need to be approved, and will be subject to normal credit checks. To top up your loan, you’ll need to call Bamboo on Monday to Saturday.
Is bamboo loans a direct lender?
Yes, Bamboo is a direct lender that offers both unsecured personal loans for regular borrowers, as well as guarantor loans for borrowers with poor or limited credit history. If you’re looking to take out a Bamboo loan, you’ll need to apply directly with the lender.
Our verdict
Bamboo personal loans can be used for just about any purpose. And if your credit rating is far from perfect, you might want to check out what Bamboo has to offer.
Just remember that the rate you are given depends on a number of factors such as how much you want to borrow, your income and your credit rating. Do a little research to find the best fit for your needs.
Frequently asked questions about Bamboo
A guarantor is someone who agrees to back your loan by stepping in if you don’t make repayments.
If your application for a guarantor loan is successful, Bamboo will transfer money into your guarantor’s bank account. The guarantor can then transfer it to you. This is to prevent fraud and gives the guarantor the option of changing their mind.
Yes. Bamboo will not charge an early repayment fee if you choose to pay off all or part of your loan. Contact Bamboo to request a settlement figure, which will be valid for 28 days and will include charges for interest up until that date.
No. Your loan has an interest rate that’s fixed for the term of your loan and your monthly repayments will not change.
If you are having difficulties repaying your loan you must get in touch with Bamboo as soon as possible, as late payments can cause you serious money problems. If you are worried about debt, visit the MoneyHelper website. This is a service set up by the UK government to offer free and impartial advice.
Yes, Bamboo is regulated by the Financial Conduct Authority, so they’re pretty safe.
To find out the number of remaining payments, call Bamboo on 02920858746 or email them at collections@bambooloans.com.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio
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Chris has written 540 Finder guides across topics including:
Bamboo provided loans of up to £10,000 with or without a guarantor. If you have less than perfect credit or struggle to meet the eligibility requirements of mainstream lenders, it’s not your only loan option.
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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