Lifestyle Loans personal loans review

You can apply for a Lifestyle Loans unsecured or guarantor personal loan for up to £7,500, with same-day approval and funding.

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Lifestyle Loans personal loan

Lifestyle Loans personal loans

  • Borrow from £1,000 to £7,000
  • Quick application and no upfront fees
  • Choose between an unsecured loan option or a guarantor loan option

Representative example: Borrow £2,000 over 12 months at a rate of 49.9% p.a. (fixed). Representative APR 49.9% and total payable £2,473.52 in monthly repayments of £206.13.

What is Lifestyle Loans?

Lifestyle Loans is a British lender that was founded in 2016 and is based in Shropshire. It offers fixed-rate unsecured personal loans and guarantor loans to those looking to borrow from £1,000 to £7,500 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 49.9%, fixed monthly repayments and no upfront fees.

With an unsecured personal loan, you can borrow up to £5,000, or up to £7,500 with a guarantor loan.

  1. You can borrow from £1,000 to £7,500 with a loan term of 1-5 years.
  2. You can apply online in a few minutes and will 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 will stay the same over your entire loan term.

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:

  • You must 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 cost of the loan if you fail to repay it on time. You should only apply for a Lifestyle personal loan if you’re confident you’ll be able to 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 in the event you can no longer afford to pay it off.

Frequently asked questions

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