Compare flexible loans

Compare these loans that offer more flexible repayment options like overpayments, payment holidays and repaying the balance early.


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3 results found, sorted by lowest representative apr. How we order our comparisons.
Freedom Finance Personal Loan
Loan amount
£1,000 to £25,999
Representative APR
6.8% APR variable (£23,000 to £23,999)
Loan term
2 years to 7 years
Freedom Finance is a credit broker and not a lender. The %APR rate you will be offered is dependent on your personal circumstances.
Representative Example: The Representative rate is 14.47% APR (variable) so if you borrow £10,000 over 5 years at a rate of 14.47% p.a (variable) you will repay £230.57 per month & £13,833.94 in total.
UK Resident
Maximum AgeUnlimited
Minimum Age18 years
Credit Rating Acceptedfair
Accepty Personal Loan
Loan amount
£1,000 to £25,000
Representative APR
18.4% APR (£1,000 to £25,000)
Loan term
1 year to 5 years
Accepty is a credit broker and not a lender.
Representative Example: The Representative rate is 18.4% APR (fixed) so if you borrow £10,000 over 5 years at a rate of 18.4% p.a (fixed) you will repay £248.58 per month & £14,914.80 in total.
UK Resident
Maximum AgeUnlimited
Minimum Age18 years
Credit Rating Acceptedpoor

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      Last updated: 16 June, 2021

      How to get the right flexible loan

      Regular loans can feel restricted and inflexible, but a flexible loan could give you the freedom you’re looking for.

      To get the right flexible loan for you, you need to think about which benefits you want, and which you can do without.

      Most personal loans let you borrow a lump sum upfront and pay it back over a set period of time. Some offer more flexible terms. You could either get:

        What type of loan is right for you? 

        Flexible repayments

        If you want to pay extra, take a break or pay less towards your loan, some loans let you do just that.

        You could benefit from:

          With loans taken out after 1 February 2011, banks can’t you for making overpayments unless the overpayments total more than £8,000 in a year. That’s the case even if you have a standard loan, rather than a flexible one.

          Find out more about your repayment options here.

          Flexible borrowing

          Some loans offer flexible borrowing. This is where you can withdraw money, up to a set limit, as and when you need it. These loans are sometimes called Flexi Loans.

          Flexi loans can be useful if you are unsure exactly how much you need to borrow, because you are only charged interest on the amount you withdraw.

          You transfer money from your loan into your bank account, and then make payments based on the total amount outstanding.

          However, because there are fewer of these types of loans in the market, you may find that the interest rates they offer are higher.

          Getting the best loan

          Once you’ve decided what flexibility you need, look for a loan that:

            Then check your credit record is accurate and that you meet all the lender's application rules before you apply.

            Here’s how to apply for a loan.

            If I have bad credit, can I still get a flexible loan?

            If your credit history is poor and your credit score isn’t great, getting a cheap loan can be tricky. When you take out a loan, your credit score is looked at. Even if you can get a loan, lenders are likely to charge you a much higher interest rate than they would if you had good credit history.

            However, if you can get a flexible loan, it could be a good way for you to borrow money. The ability to take payment holidays can be helpful. Plus, the chance to make overpayments could save you money. And you could improve your credit score, too.

            You should always think carefully before taking out a loan of any description. Make sure you can afford the repayments, or you could make your credit score worse if not.

            What do lenders look at when you apply for a flexible loan?

            Many lenders will look at:

              Flexible loan FAQs

              This depends on the lender and the terms and conditions of your loan. Normally it can be for up to two months, sometimes longer.

              No, but there is less choice so you may miss out on the best rates. However, you may save money if you repay your loan early or borrow in stages.

              It stands for annual percentage rate, and is the interest you pay on the total value of your loan. The lower your APR, the lower your monthly payments.

              About our loans comparison

              Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority. For more information you can also see how our website works.

              We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more about how our website works.

              You do not pay any extra and the deal you get is not affected.

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