{"id":121070,"date":"2018-07-20T15:03:25","date_gmt":"2018-07-20T14:03:25","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=121070"},"modified":"2025-06-18T07:04:15","modified_gmt":"2025-06-18T06:04:15","slug":"50000-personal-loan","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan","title":{"rendered":"How to get a \u00a350,000 personal loan"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><strong>Overall representative example<\/strong><br>If you borrow \u00a343,000 over 16 years at a rate of 10.25% variable, you will pay 192 instalments of \u00a3505.18 per month and a total amount payable of \u00a396,994.56. This includes the net loan, interest of \u00a349,404.56, a broker fee of \u00a33,995 and a lender fee of \u00a3595. The overall cost for comparison is 12.7% APRC variable.<\/div><\/article><p>If you\u2019re looking to make major improvements to your home, consolidate large debts or fund a big-ticket purchase, a \u00a350,000 personal loan could be just the trick. But when borrowing such a substantial amount, it\u2019s important to be aware how to get a deal with the best terms. Failing to do so could cost you thousands over the duration of your loan.<\/p><h3 id=\"unsecured-fifty-thousand-loan\">What about \u00a350,000 <u>unsecured<\/u> loans<\/h3><p>Use our guide to compare \u00a350,000 loans from a range of popular unsecured lenders. However, keep in mind that most lenders will not let you borrow \u00a350,000 on an unsecured loan unless you\u2019re already an existing customer and have an excellent credit rating. You may find that a secured loan is a better option.<\/p><div class=\"signpost-cta type-default u-bg--lime-500\" data-component=\"signpost-cta\" data-component-type=\"default\" data-component-placement=\"in-content\" data-click-target=\"https:\/\/www.finder.com\/uk\/personal-loans\">\n\n    <div class=\"signpost-cta__content\">\n\n        <div class=\"signpost-cta__display-col\">\n                            <svg class=\"signpost-cta__icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"64\" height=\"42\" viewbox=\"0 0 32 21\" fill=\"none\">\n                    <path d=\"M21.6706 1.15503H0.555176V10.6001C0.555176 15.8165 4.78381 20.0452 10.0002 20.0452C12.2144 20.0452 14.2511 19.2793 15.8604 17.9974L15.9325 18.1084C17.5197 19.3237 19.5119 20.0452 21.6651 20.0452C26.8815 20.0452 31.1101 15.8165 31.1101 10.6001C31.1101 5.38366 26.8815 1.15503 21.6651 1.15503H21.6706Z\" fill=\"white\"><\/path>\n                    <path d=\"M25.704 5.12274C25.0325 5.12274 24.4054 5.37801 23.856 5.81641C24.3055 6.16602 24.6052 6.70431 24.6052 7.32029C24.6052 8.37468 23.7506 9.22928 22.6962 9.22928C22.4687 9.22928 22.2578 9.18489 22.0525 9.11275C21.9581 9.58445 21.9082 10.0839 21.9082 10.6C21.9082 13.6244 23.6063 16.0828 25.704 16.0828C27.8017 16.0828 29.4998 13.6299 29.4998 10.6C29.4998 7.57002 27.8017 5.11719 25.704 5.11719V5.12274Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M21.6704 0.600098H0V10.6001C0 16.1162 4.48391 20.6001 10 20.6001C12.1754 20.6001 14.1842 19.8953 15.8269 18.7133C17.5361 19.9453 19.5449 20.6001 21.6648 20.6001C27.1809 20.6001 31.6648 16.1162 31.6648 10.6001C31.6648 5.084 27.1809 0.600098 21.6648 0.600098H21.6704ZM1.10988 10.6056V1.71553H10C14.9001 1.71553 18.8901 5.70554 18.8901 10.6056C18.8901 15.5058 14.9001 19.4958 10 19.4958C5.09989 19.4958 1.10988 15.5058 1.10988 10.6056ZM21.6704 19.4958C19.8835 19.4958 18.1909 18.9741 16.7259 17.9863C18.7347 16.155 20.0055 13.5302 20.0055 10.6001C20.0055 6.72662 17.7913 3.36924 14.5616 1.70998H21.6704C26.5705 1.70998 30.5605 5.69999 30.5605 10.6001C30.5605 15.5002 26.5705 19.4902 21.6704 19.4902V19.4958Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M14.0404 5.12274C13.3689 5.12274 12.7419 5.37801 12.1925 5.81641C12.642 6.16602 12.9416 6.70431 12.9416 7.32029C12.9416 8.37468 12.087 9.22928 11.0326 9.22928C10.8051 9.22928 10.5942 9.18489 10.3889 9.11275C10.2946 9.58445 10.2446 10.0839 10.2446 10.6C10.2446 13.6244 11.9427 16.0828 14.0404 16.0828C16.1381 16.0828 17.8362 13.6299 17.8362 10.6C17.8362 7.57002 16.1381 5.11719 14.0404 5.11719V5.12274Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n                    <\/div>\n\n        <div class=\"signpost-cta__text\">\n    <p class=\"signpost-cta__heading\">Compare unsecured personal loans<\/p>\n            <p class=\"signpost-cta__description\">See today's rates from across the personal loan market.<\/p>\n    <\/div>\n\n    <\/div>\n\n    <div class=\"signpost-cta__action\">\n            <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\" class=\"luna-button luna-button--primary signpost-cta__button\" data-tracking=\"signpost-cta-click\">Compare rates<\/a>\n        <\/div>\n<\/div>\n\n<h3>What can I use a \u00a350,000 loan for?<\/h3><p>You can get a \u00a350,000 loan for any worthwhile purpose, but popular reasons for a loan include:<\/p><ul><li><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/home-improvement\">Home improvements<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/car-loans\">Buying a car<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/business-loans\/small-business-loans\">Small business<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/personal-loans-to-buy-land\">Purchasing land<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loans-for-young-people\/loans-for-students\">Loans for students<\/a><\/li><\/ul><h3>Should I get a secured or unsecured loan?<\/h3><p>When borrowing amounts as large as \u00a350,000, you\u2019ll almost certainly have to opt for a \u201csecured loan\u201d. With a secured loan you agree for an asset to be used as collateral against late or failed payments. More often than not, this collateral will be the equity in your property. As such these loans are often referred to as \u201chomeowner loans\u201d or \u201csecond-charge mortgages\u201d.<\/p><p>Many lenders cap \u201cunsecured\u201d lending (which involves no collateral) at \u00a325,000, but some big banks can offer up to \u00a350,000. As these loans are more risky for lenders, they typically come with a higher rate and very strict eligibility criteria. If your credit file isn\u2019t spotless, it\u2019ll be extremely difficult to get approved and if you <em>do<\/em> get approved, the interest rate you\u2019re offered might not be the most competitive. Additionally, it\u2019s generally a requirement that you\u2019re an existing customer of the bank \u2013 and ideally your relationship with the bank would go back a few years.<\/p><h3 id=\"term\">How much are monthly payments on a \u00a350,000 loan?<\/h3><p>The amount you repay each month on a \u00a350k loan will depend on both the length of your loan term and the interest rate you are charged. Compare the monthly payments for \u00a350,000 personal loans using our table below.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th><\/th><th>5% p.a. interest<\/th><th>10% p.a. interest<\/th><th>15% p.a. interest<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>3-year term<\/th><td>\u00a31,499<\/td><td>\u00a31,613<\/td><td>\u00a31,733<\/td><\/tr><tr><th>5-year term<\/th><td>\u00a3944<\/td><td>\u00a31,062<\/td><td>\u00a31,190<\/td><\/tr><tr><th>7-year term<\/th><td>\u00a3707<\/td><td>\u00a3830<\/td><td>\u00a3965<\/td><\/tr><tr><th>10-year term<\/th><td>\u00a3530<\/td><td>\u00a3661<\/td><td>\u00a3807<\/td><\/tr><tr><th>15-year term<\/th><td>\u00a3395<\/td><td>\u00a3537<\/td><td>\u00a3700<\/td><\/tr><tr><th>20-year term<\/th><td>\u00a3330<\/td><td>\u00a3483<\/td><td>\u00a3658<\/td><\/tr><\/tbody><\/table><h3>What\u2019s the overall cost of a \u00a350,000 loan?<\/h3><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th><\/th><th>5% p.a. interest<\/th><th>10% p.a. interest<\/th><th>15% p.a. interest<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>3 years<\/th><td>\u00a353,948<\/td><td>\u00a358,081<\/td><td>\u00a362,398<\/td><\/tr><tr><th>5 years<\/th><td>\u00a356,614<\/td><td>\u00a363,741<\/td><td>\u00a371,370<\/td><\/tr><tr><th>7 years<\/th><td>\u00a359,362<\/td><td>\u00a369,725<\/td><td>\u00a381,046<\/td><\/tr><tr><th>10 years<\/th><td>\u00a363,639<\/td><td>\u00a379,290<\/td><td>\u00a396,801<\/td><\/tr><tr><th>15 years<\/th><td>\u00a371,171<\/td><td>\u00a396,714<\/td><td>\u00a3125,963<\/td><\/tr><tr><th>20 years<\/th><td>\u00a379,195<\/td><td>\u00a3115,803<\/td><td>\u00a3158,015<\/td><\/tr><\/tbody><\/table><p>The loan illustrations above use approximate, rounded figures, based on a flat interest rate. Longer-term secured loans are likely to have variable interest rates. If the rate goes down during the course of the loan, the monthly and overall costs would decrease. If the rate rises during the course of the loan, the monthly and overall costs would increase. Current interest rates are low compared to historical averages.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h3>How to use our \u00a350,000 repayment calculator<\/h3><p>You can <a href=\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan#calculator\">use our loan calculator<\/a> to compare a range of \u00a350,000 loans from popular lenders, based on monthly payment size and APR. Simply enter how much you want to borrow, how long you want the loan for, the value of your property and mortgage, then we\u2019ll find you the loan that could best suit your situation.<\/p><\/div><\/article><h3>Are there any fees on a \u00a350,000 loan?<\/h3><p>When taking out a \u00a350,000 secured loan, you may need to pay a number of fees, such as a lender\u2019s fee or application fee, but this will depend on your specific lender or broker, and the nature of your loan.<\/p><p>You\u2019ll also likely need to pay an appraisal fee, which covers the cost of the valuation that is done on your home to determine its value.<\/p><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How much income do I need for a \u00a350,000 personal loan?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>The minimum income requirements will vary depending on factors like the term of loan that you opt for. All lenders must be able to demonstrate that they are lending <em>responsibly<\/em>. In other words, they have been careful to make sure that you\u2019d be able to afford the proposed repayment schedule, taking into account your income and outgoings. For example, if you\u2019re an applicant with a \u00a335,000 salary but relatively low regular financial commitments, you might actually stand a better chance than an applicant with a \u00a350,000 salary and exorbitant monthly outgoings.<\/p><p>Ultimately your income is just one important part of the picture a lender will use to assess your case.<\/p><p>Loan companies might specify a minimum income requirement in their basic lending criteria (<a href=\"#income-example\" class=\"scroll\">example below<\/a>), but meeting these entry-level criteria means that your application can be assessed for approval, not that approval is guaranteed.<\/p><\/div><\/div><\/div><article id=\"income-example\" class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/Screenshot-2020-07-10-at-11.38.05.png\" alt=\"A minimum income requirement taken from the lending criteria for Masthaven second-charge mortgages\" width=\"946\" height=\"170\" class=\"aligncenter size-full wp-image-322711\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/Screenshot-2020-07-10-at-11.38.05.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/Screenshot-2020-07-10-at-11.38.05.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/Screenshot-2020-07-10-at-11.38.05.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/Screenshot-2020-07-10-at-11.38.05.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/Screenshot-2020-07-10-at-11.38.05.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/Screenshot-2020-07-10-at-11.38.05.png?fit=2838 2838w\" sizes=\"(max-width: 2838px) 100vw, 2838px\" loading=\"lazy\"><\/div><\/article><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\" class=\"has-padding-top-medium\"><h3 itemprop=\"name\">What credit score do I need for a \u00a350,000 loan?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>If you\u2019re applying for an <a href=\"#unsecured-fifty-thousand-loan\" class=\"scroll\">unsecured personal loan of \u00a350,000<\/a>, it\u2019s very likely that you will need an excellent credit score. Different credit reference agencies use <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">different scoring systems<\/a>, but for Experian an Excellent score is 961 or higher. For Equifax, it\u2019s 811 or higher and for TransUnion, 628 or higher. However, your credit score is just one factor on which your application will be assessed.<\/p><p>If your credit rating is not excellent, you may opt to use the equity in your home as security. In this situation, your credit score becomes a less crucial factor \u2013 but still a factor. The importance given to your credit score will vary from lender to lender, with some lenders <a href=\"https:\/\/www.finder.com\/uk\/secured-loans\/secured-loans-with-bad-credit\">specifically aiming to serve those with bad credit<\/a>.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\" class=\"has-padding-top-medium\"><h3 itemprop=\"name\" id=\"long\">How long does it take to get a \u00a350,000 personal loan?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>If you\u2019re in the minority of people that can get approved for an <a href=\"#unsecured-fifty-thousand-loan\" class=\"scroll\">unsecured loan<\/a> of this size, then it could theoretically be in your account the same day. Realistically, larger loans are likely to get a bit more focus from actual human underwriters (that\u2019s the people who stand between you and getting your loan) which can mean the process takes a couple of working days.<\/p><p><a href=\"#calculator\" class=\"scroll\">Secured loans<\/a> more commonly take two to three weeks to arrange and draw down. Although there aren\u2019t solicitors involved, a property valuation of some form will be required and the bank holding the first charge over the property will also need to give its approval.<\/p><p>These extra steps make secured loans a little slower, but the trade-off for many is access to lower rates and\/or larger sums.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\" class=\"has-padding-top-medium\"><h3 itemprop=\"name\">How long does it take to pay off a \u00a350,000 personal loan?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>You can <a href=\"#calculator\" class=\"scroll\">adjust your loan term<\/a> in order to make your monthly repayments more affordable. Similarly, you can <a href=\"#calculator\" class=\"scroll\">increase your monthly repayment<\/a> in order to clear the loan in less time. As a general rule of thumb, spreading repayment over a longer timeframe normally makes for lower monthly repayments (but a higher overall cost). So it really depends on what you can afford to repay each month.<\/p><p>At a fixed annual rate of 5.5%, a \u00a350,000 loan would take a little over 11 years to repay if your monthly repayment was \u00a3500. If you wanted to keep the monthly costs down, and paid \u00a3400 each month, it would take around 15.5 years.<\/p><\/div><\/div><\/div><\/div><h3>Can I pay off a \u00a350,000 loan early?<\/h3><p>Yes, most lenders will let you repay your \u00a350,000 loan early, but you\u2019ll generally need to pay an early settlement fee to do so. This fee will depend on the size of your loan, as well as how much you have remaining to pay off. Some lenders may also charge an additional fee for breaking the terms of your loan.<\/p><h3>Can I get a \u00a350,000 personal loan?<\/h3><p>Here are some of the key factors that will matter to a lender weighing up the risk of lending to you:<\/p><ul><li>The amount of <strong>equity<\/strong> in your home (if you\u2019re applying for a homeowner loan). This is how much of the property you actually own, i.e. the current <strong>market value of the property<\/strong> minus whatever is still owing to your mortgage provider. The loan-to-value ratio (<strong>LTV<\/strong>) is another aspect to this \u2013 it\u2019s how much you\u2019re asking to borrow vs the total value.<\/li><li>Your regular <strong>income and outgoings<\/strong> (and those of any co-signatories, if it\u2019s a joint application). This is crucial when determining whether or not the monthly repayments would be affordable for you. Lenders will want to know <strong>what debt you\u2019re currently carrying<\/strong> and how much that\u2019s costing you each month. If your reason for seeking a new loan is debt consolidation, then naturally this will be taken into account. Lenders will also consider the source of your income and how stable it is.<\/li><li>Your <strong>credit history<\/strong>. This is a file kept by credit reference agencies which records your borrowing history. Lenders will be hoping to see that you have a history of using credit responsibly. CCJs are also logged in your credit report.<\/li><li>What you want the money for \u2013 i.e. the <strong>loan purpose<\/strong>. Lenders are pretty open-minded when it comes to the loan purpose, but may have a defined list of acceptable purposes or a defined list of unacceptable purposes.<\/li><li>Some routine eligibility criteria like <strong>UK residency<\/strong> (some lenders will specify that you must have been a UK resident for a specific amount of time) and <strong>your age<\/strong> (both minimum and maximum).<\/li><\/ul><h3>\u00a350,000 personal loans for specific circumstances<\/h3><ul><li><strong>\u00a350,000 loans for bad credit.<\/strong> Although there are a growing number of specialist lenders carving out a niche offering unsecured deals to applicants with bad credit scores, there are none offering amounts as high as \u00a350,000. Specialist loan companies tend to charge higher rates than mainstream lenders, so getting a loan of this size from one would be extremely costly in any case. However, if you\u2019re a homeowner with a mortgage then you can apply to secure a loan against the equity in your property to boost your chance of approval and\/or to obtain a lower rate.<\/li><li><strong>\u00a350,000 loans for businesses.<\/strong> A \u00a350,000 personal loan for a business could help propel it to the next stage of success. You\u2019re often not allowed to use a personal loan for business purposes though. You\u2019ll want to <a href=\"https:\/\/www.finder.com\/uk\/business-loans\/50000-business-loans\">compare dedicated \u00a350,000 business loans<\/a> which are available from both mainstream banks and business-focused lenders.<\/li><li><strong>\u00a350,000 loans for the self-employed.<\/strong> Realistically, getting a \u00a350,000 loan can be slightly harder for self-employed people. These individuals are seen as a higher risk for lenders because their income is perceived to be less stable. Still, there are lenders that specialise in homeowner loans for self-employed people. Expect to be asked for a little extra documentation \u2013 typically two years\u2019 worth of accounts, SA302s\/tax calculations, HMRC tax overview statements and possibly a reference from your accountant as well.<\/li><\/ul><h3>How to get a \u00a350,000 personal loan<\/h3><ol><li><strong>Work out your budget.<\/strong> Our <a href=\"#compare\" class=\"scroll\">calculator<\/a> can help you get an idea of how long a term you\u2019d need to spread the loan over in order to get manageable monthly repayments. As a general rule of thumb, you should aim to clear the loan in as short a time as possible, while ensuring the monthly repayments are affordable. Loans with longer terms tend to come with a variable interest rate (although some secured loans offer an introductory fixed-rate period), so it\u2019s sensible to leave yourself a bit of leeway so that if rates rise, you\u2019ll be able to take it in your stride.<\/li><li><strong>Get to know your credit record.<\/strong> Knowing your credit score is helpful for understanding what options are available to you. For many lenders, you\u2019ll need a good credit score in order to be approved for a \u00a350,000 personal loan. Companies such as Experian, Equifax and TransUnion (formerly Callcredit) provide a useful credit checking service that\u2019ll let you know how you\u2019re tracking. If your credit score doesn\u2019t appear to be good enough, consider applying for a smaller loan, securing the loan or building your credit score first and applying at a future date.<\/li><li><strong>Shop around or \u2013 better still \u2013 consider a broker\/loan-matching service.<\/strong> It\u2019s generally a bad idea to simply go straight to one lender and apply. You should always compare multiple lenders online and look for the best price for the amount you need. For a loan as big as \u00a350,000 even a slightly better rate can translate into thousands of pounds saved. A decent broker or <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/secured-loan-finder-powered-by-loans-warehouse-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22loan-matching%2Bservice%22%2C%22site%22%3A%22UKFPL%22%2C%22offer_id%22%3A%2224814%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22product_id%22%3A%225e794d89-1ae4-4cce-902a-50f6f8138ce9%22%2C%22product_name%22%3A%22Secured%2BLoan%2BFinder%2Bpowered%2Bby%2BLoans%2BWarehouse%22%2C%22provider_id%22%3A%229013df25-9c60-4805-89c4-66f0a3d013de%22%2C%22provider_name%22%3A%22Loans%2BWarehouse%22%2C%22post_id%22%3A%22121070%22%2C%22post_path%22%3A%22secured-loans%252F50000-personal-loan%22%2C%22post_country%22%3A%22uk%22%7D\">loan-matching service<\/a> can take your details and check your eligibility against products from multiple lenders in one go \u2013 saving you a lot of time (and hopefully money too). A number of lenders actually only offer their loans through brokers.<\/li><li><strong>Apply.<\/strong> The easiest way to apply for a \u00a350,000 personal loan is through the lender\u2019s website. You\u2019ll fill in your personal and financial details (or the broker will simply pass these along), agree to a credit check and the indicative result of your application will usually be made available within seconds. Bear in mind that you should only ever formally apply for credit when you\u2019re pretty confident that you\u2019ll get approved (lenders and brokers can help you to establish this beforehand). Each application for credit usually involves a search of your credit file, which causes a small (and usually short-lived) negative effect on your credit score.<\/li><\/ol><h3>What are the alternatives to a \u00a350,000 secured loan?<\/h3><p>Unfortunately, you\u2019re unlikely to find a lender that\u2019s willing to lend you \u00a350,000 on an unsecured personal loan, so a secured loan is likely to be your best option when it comes to getting a loan of that size.<\/p><h4>Borrowing to buy a car<\/h4><p>If your \u00a350,000 loan is for a car purchase, you might have alternatives. Take a look at our guide to <a href=\"https:\/\/www.finder.com\/uk\/car-loans\">car loans and finance options<\/a> to find out more. <\/p><h4>Should I just remortgage?<\/h4><p>Remortgaging, i.e. altering your mortgage deal and borrowing against the equity of your property, is a popular strategy for homeowners to get hold of larger lump sums. If you\u2019ve got a lot of equity or can bag a low mortgage rate, this could prove more economical than a personal loan.<\/p><p><a class=\"more-link-arrow weight-semi-bold\" href=\"https:\/\/www.finder.com\/uk\/mortgages\/remortgaging\">Full guide to remortgaging<\/a><\/p><h3>Bottom line<\/h3><p>Borrowing \u00a350,000 doesn\u2019t give you as many options as you would if you were looking for a smaller amount. You\u2019re almost certainly going to need a secured loan, and it might be worth going through a broker or a loan-matching service to find the right deal. Paying more interest than you need to on a loan of this size would be a very expensive mistake.<\/p><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\">Is it possible to get a \u00a350,000 loan with no credit check?<\/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\"><p>No, lenders will perform some form of credit check when you apply for a \u00a350,000 loan. However, it\u2019s still possible to get a loan of that size if you have bad credit and some lenders specialise in arranging loans for those with poor credit history.<\/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\">Can I get a \u00a350,000 loan in one day?<\/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\"><p>It\u2019s possible to get approved and funded for a \u00a350,000 loan on the same day, but most <a href=\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan#long\">lenders will generally take anywhere from a couple of days to a few weeks to transfer your money<\/a> on larger loan amounts like \u00a350,000. You\u2019re unlikely to be able to find an instant \u00a350,000 loan.<\/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=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What term can I borrow a \u00a350,000 loan over?<\/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\"><p>You can generally get a \u00a350,000 loan with a loan term of anywhere from 10 to 30 years, but many <a href=\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan#term\">\u00a350,000 loans are offered over 10 years, 15 years or 20 years.<\/a><\/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=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What is the maximum amount you can get for a personal 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=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Generally speaking, personal loans start at \u00a31,000 and go up to \u00a325,000 or \u00a330,000. There are some larger banks that offer personal loans up to \u00a350,000 to existing customers, but those are the exceptions. You\u2019ll almost certainly need to use an asset as security for loans above this amount.<\/p><p>The amount of money you can borrow depends on several factors, including your credit rating and financial history: lenders prefer applicants with good credit scores. If you have bad credit, you may still be able to borrow, but you\u2019re less likely to be eligible for the largest loans.<\/p><p>When you\u2019re approved for a loan, the lender will tell you how much you can borrow. Before taking out a loan, however, it is important to determine how much you really need and what you can afford to borrow.<\/p><p>Read our guide <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/personal-loan-maximum-amount\">How much can you borrow with a personal loan?<\/a> for more.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><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>If you\u2019re considering applying for a \u00a350,000 personal loan, check out this guide which explains how to compare lenders and find the best deal.<\/p>\n","protected":false},"author":195,"featured_media":121077,"comment_status":"open","ping_status":"open","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,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"","related_url":"\/50000-loans","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[10875],"tags":[],"asset_tag":[],"class_list":["post-121070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-secured-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>\u00a350,000 loan calculator: best rates for good or bad credit - Finder UK<\/title>\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\/secured-loans\/50000-personal-loan\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to get a \u00a350,000 personal loan\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re considering applying for a \u00a350,000 personal loan, check out this guide which explains how to compare lenders and find the best deal.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan\" \/>\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=\"2018-07-20T14:03:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/loan-250.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=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan\"},\"author\":{\"name\":\"Chris Lilly\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad\"},\"headline\":\"How to get a \u00a350,000 personal loan\",\"datePublished\":\"2018-07-20T14:03:25+00:00\",\"dateModified\":\"2024-09-03T15:25:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan\"},\"wordCount\":2843,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/07\/loan-250.jpg\",\"articleSection\":[\"Secured loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan#respond\"]}],\"comment\":[{\"@id\":\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan#comment-14592\"}],\"copyrightYear\":\"2018\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Finder UK personal loans statistics\",\"url\":\"https:\/\/www.finder.com\/uk\/personal-loans-statistics\"}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan\",\"url\":\"https:\/\/www.finder.com\/uk\/secured-loans\/50000-personal-loan\",\"name\":\"\u00a350,000 loan calculator: best rates for good or bad credit - 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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. 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