Lifestyle Loans personal loans review

You can apply for a Lifestyle Loans unsecured or guarantor personal loan between £1,000 to £5,000, with same-day approval and funding.

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Lifestyle Loans
Late repayments can cause you serious money problems. See our debt help guides.

Compare Lifestyle Loans personal loans

Table: sorted by representative APR, promoted deals first
Name Product Finder score Finder score Customer rating Loan amounts Loan terms Loan rate type Link
Lifestyle Loans personal loan
Finder score
Not yet rated
£1,000 to £5,000
12 months to 60 months
Check eligibility
View details
Representative example: Borrow £3,000 over 36 months at a rate of 59.9% p.a. (fixed). Representative APR 59.9% and total payable £5,703.84 in monthly repayments of £158.44 which includes the total interest payable of £2,703.84.
Late repayments can cause you serious money problems. See our debt help guides.

What is Lifestyle Loans?

Lifestyle Loans is a British lender founded in 2016 and based in Shropshire. It offers fixed-rate unsecured personal loans and guarantor loans to those looking to borrow between £1,000 to £5,000 for any worthwhile purpose.

How do Lifestyle personal loans work?

You can apply for either a Lifestyle unsecured personal loan or guarantor loan online, with all loans offered with a fixed annual interest rate of 59.9%, fixed monthly repayments and no upfront fees.

With an unsecured personal loan, you can borrow between £1,000 to £5,000 with a guarantor loan.

  1. You can borrow from £1,000 to £5,000 with a loan term of 12 months to 60 months.
  2. You can apply online in a few minutes and receive an instant quote if you’re eligible for a loan.
  3. After you’ve signed your loan agreement, you may receive your funds on the same day.
  4. You then pay a fixed monthly amount, which means your repayments stay the same over your entire loan term.

Lifestyle Loans customer reviews

Lifestyle Loans has received positive customer reviews, according to review platform Trustpilot. It currently has an “excellent” rating of 4.9 out of 5, based on more than 350 reviews (updated February 2024). Many customers praised its quick and professional customer service.

Am I eligible for a Lifestyle personal loan?

You’ll need to meet the following criteria to be eligible for a Lifestyle Loans unsecured or guarantor loan:

  • Be at least 18 years old
  • Be a permanent UK resident
  • Meet Lifestyle Loan’s affordability criteria

Depending on your loan application, you may need to provide a guarantor to agree to cover the loan’s cost if you fail to repay it on time. You should only apply for a Lifestyle personal loan if you’re confident you can meet your repayments.

What information will I need to apply?

You’ll need to provide the following information as part of your Lifestyle Loans online application:

  • Address and contact details
  • Purpose of the loan
  • Monthly income and employment details
  • Bank or building society details

If you’re applying for a guarantor loan, you’ll also need to supply your guarantor’s name and contact details.

Can I get a Lifestyle loan with bad credit?

Yes, it’s possible to get a Lifestyle loan if you have bad or no credit, but you may need to apply for a guarantor loan instead of an unsecured personal loan. A guarantor is someone who agrees to cover the remaining cost of your loan if you can no longer pay.

Customer support information

You can contact Lifestyle Loans by phone on 0330 0889764 or by email at with any queries.

Our verdict

If you’re looking for speed and ease, Lifestyle Loans provides a quick quote – provided you meet the eligibility criteria. Not to mention, you can get quick answers to any queries by phoning or emailing their customer service team. However, having a bad or low credit score may limit your options. If you can’t make the repayments, you risk damaging your credit score.

Frequently asked questions

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 has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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