{"id":115158,"date":"2018-06-27T10:04:45","date_gmt":"2018-06-27T09:04:45","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=115158"},"modified":"2026-01-06T09:01:31","modified_gmt":"2026-01-06T09:01:31","slug":"argos-personal-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans","title":{"rendered":"Argos personal loans"},"content":{"rendered":"<div class=\"importantText importantText__callout\">\n  <p><strong>Important:<\/strong> Argos does not currently offer personal loans. This page has been preserved for historical purposes, and you can <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">compare a range of competitive personal loans here<\/a>.<\/p>\n<\/div>\n<h3>How do Argos loans work?<\/h3><p>If you are approved for a personal loan with Argos, it will act as a credit broker, not as a lender. Credit is provided by Creation Consumer Finance Ltd, part of global banking group BNP Paribas.<\/p><p>In 2013, Argos partnered up with Creation Consumer Finance Ltd, the finance specialist behind some of the UK\u2019s biggest high street brands, to add personal loans to its finance offering. It aims to provide flexible and affordable credit to customers who have a good credit history.<\/p><p>Argos Personal Loans is a trading name of Home Retail Group Card Services Ltd (HRGCS).<\/p><h3 id=\"overview\">Argos personal loans at a glance<\/h3><p>Argos loans are available over terms of 1-5 years and applicants can apply to borrow up to \u00a320,000. Interest rates are subject to status, meaning the advertised representative APR may not be the rate you\u2019ll receive: Argos will offer you a personalised rate based on assessment of your personal financial circumstances.<\/p><ul class=\"list-10\"><li><strong>Spread your loan over 12 to 60 months<\/strong>. The 12-month term is only applicable to loans of under \u00a315,000.<\/li><li><strong>Borrow \u00a31,000 to \u00a320,000<\/strong>. The amount you can borrow will be determined by your credit score and affordability.<\/li><li><strong>Get a quick quote.<\/strong> Argos aims to give you an instant decision on a loan. However, this sometimes isn\u2019t possible and you may be required to provide additional information.<\/li><li><strong>No arrangement fee.<\/strong> Argos will not charge a fee for arranging your loan.<\/li><li><strong>Fixed monthly repayments<\/strong>. You\u2019ll pay the same amount each month, helping you to budget. This also means that the overall cost of the loan will be clear from the start.<\/li><li><strong>Early repayment option.<\/strong> If you repay early, you will pay back both the outstanding capital and any accrued interest. You will also be charged an early settlement fee of one month\u2019s interest.<\/li><\/ul><h3>Am I eligible for an Argos loan?<\/h3><p>You should only apply for an Argos personal loan if you\u2019re certain you can meet the repayment terms. You must also:<\/p><ul class=\"list-1\"><li>Be aged 23 or over, and under 70, at the time of application<\/li><li>Have been resident in the UK for at least 3 years<\/li><li>Have an annual income of at least \u00a312,000 (before tax)<\/li><li>Have a bank or building society current account<\/li><li>Not have a history of bad credit such as missed or late payments, county court judgements (CCJ) or bankruptcy<\/li><\/ul>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What is credit scoring and how do you use it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Argos will use the information you provide on your application form, together with details from a credit reference agency, to give you a score. This score is then matched alongside its \u2018acceptance\u2019 score, which is based on detailed analysis of its experience with previous applicants.<p>If your application reaches the \u201cacceptance\u201d score, you will be approved for a loan. If not, you will be refused. This simply means that Argos\u2019s acceptance requirements have not been met.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How quickly will I receive a decision on my loan application?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">In many cases, Argos will provide a decision instantly after you apply online. However, there may be times when this isn\u2019t possible or you may be required to provide additional information.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What happens if I want to repay my loan early?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">You can repay your loan early at any point during the lifetime of your loan by repaying both the capital outstanding and the interest accrued up to that date. You will also be charged an early settlement fee of one month\u2019s interest.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Will Argos need to speak to me over the phone?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Argos\u2019s current policy is to phone approved applicants prior to funding, if the loan requested is more than \u00a317,000. This is to protect against fraudulent activity.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Are Argos loans safe?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Argos Personal Loans is part of Home Retail Group Card Services Limited (HRGCS) which is authorised and regulated by the Financial Conduct Authority (FCA). When it comes to loans, HRGCS acts as an introducer for Creation Consumer Finance Limited (that\u2019s who actually provides the loan). Creation Consumer Finance is also authorised and regulated by the FCA.<p>The loan application form on Argos\u2019s site uses 128-bit encryption security software.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Is there a fee for arranging my loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\">No, Argos won\u2019t charge you a fee for arranging a loan.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Argos offered personal loans of \u00a31,000 to \u00a320,000 to be repaid over flexible repayment terms of 12-60 months. Whether you want to buy a new car, make some home improvements or treat yourself to a holiday, a personal loan could be a good option. See how other lenders compare.  <\/p>\n","protected":false},"author":195,"featured_media":34079,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[],"asset_tag":[],"class_list":["post-115158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Argos Personal Loans review and comparison | Finder UK<\/title>\n<meta name=\"description\" content=\"Get an instant decision on a 12-60 month fixed-rate loan from Argos. You&#039;ll need to be aged between 23 and 70 with good credit to be approved.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Argos personal loans\" \/>\n<meta property=\"og:description\" content=\"Get an instant decision on a 12-60 month fixed-rate loan from Argos. You&#039;ll need to be aged between 23 and 70 with good credit to be approved.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2018-06-27T09:04:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2017\/07\/Argos.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Chris Lilly\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/ChrisLillyCL\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chris Lilly\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans\"},\"author\":{\"name\":\"Chris Lilly\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad\"},\"headline\":\"Argos personal loans\",\"datePublished\":\"2018-06-27T09:04:45+00:00\",\"dateModified\":\"2023-07-18T14:09:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans\"},\"wordCount\":952,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2017\/07\/Argos.jpg\",\"articleSection\":[\"Personal Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2018\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans\",\"url\":\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans\",\"name\":\"Argos Personal Loans review and comparison | Finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/argos-personal-loans#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2017\/07\/Argos.jpg\",\"datePublished\":\"2018-06-27T09:04:45+00:00\",\"dateModified\":\"2023-07-18T14:09:25+00:00\",\"description\":\"Get an instant decision on a 12-60 month fixed-rate loan from Argos. 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