Call free on 0800 694 5566 Open 24 hours a day.

More than any bank

Low Interest Loans

Helping you to consolidate debt and take back control

Whether you’re looking to consolidate debts, want to renovate your home or need a new family car, Norton Finance is here to help. We offer a wide range of low interest loans for home repayment, business, car finance and more, to help you take control of your finances.
  • Massive choice

    We search the market from over 600 plans.

  • Flexible terms

    You can choose to spread the cost over any term from 1 to 30 years.

  • Here to help

    Even if you have a poor credit history or CCJs, are self-employed or even retired.

Looking for a larger amount?

Alternatively, call FREE on 0800 694 5566 Open 24 hours a day.

Homeowner rates, from 2.9%

2019 Gold Feefo Trusted Service Award

Unlike a bank we can search wider to find you the best products. So you get more choice not more rejections, even if you have a bad credit history. And that’s more than any bank can offer

How our loans work

Applying for a loan with Norton Finance is simple and hassle-free. Choose the most suitable product for you, decide how much you need to borrow and over what term, then leave the rest to us. We manage your application from beginning to end.

We’re a broker – not a bank – so you’ll find lots more choice, as we search over 600 different plans to find the best rates. Whether you’re retired, self-employed, or even if you have a poor credit rating or CCJs, we can help.

Apply online or give us a call and we’ll get back to you within 24 hours to discuss your options.

What can I use a loan for?

Throughout your life, there are many instances when you might need to borrow money. At Norton Finance, we offer products to help you with life’s big moments, including:


Home improvement loans

Replace your kitchen or add an extension – a loan could help you update, improve and increase your property value.

Debt consolidation loans

Save on fees and hassle by clearing other existing debts in favour of a single monthly repayment.

Car purchase loans

Car purchase loans can be cheaper than dealership finance plans, with rates available to suit your requirements.

Business loans

Give your start-up a boost or grow your customer base. Business loans can help give you the edge over your competitors.

What interest rates are available?

The interest rate you’ll be offered on a loan may vary depending on certain factors. These include your financial history and current circumstances, plus the type of product you’re applying for. Our interest rates start from 2.9%.

A better credit score is likely to reduce the rate you’re offered, and get you a better deal overall. Each loan repayment plan is calculated on a case-by-case basis.

Repayment amounts are determined by the annual percentage rate (APR). APR is what lenders charge for a loan, including the interest rate plus other fees. To find out more about APR and what goes into calculating the rate, take a look at our guide to APR.

How much can I borrow?

How much you can borrow depends on your personal situation. We provide secured and unsecured loans starting from £3,000, with the maximum being £500,000.

The large variety of lenders we work with provides flexibility to find borrowing that suits you, with repayment terms available from 1 year to 30 years (maximum 10 years for unsecured loans).

Applying for a loan

Apply for low interest finance loans by calling 0800 694 5566 to speak to one of our advisors or apply online for a free no-obligation quote.

If you’re applying for a debt consolidation loan, it helps to have details on hand about the loans you intend to repay, including the amount owed and monthly repayment costs, to make the application process simpler.

Am I eligible for a loan?

We help customers from every walk of life to take control of their finances. Our products are available for:

No matter what your circumstances, even if you have CCJs, we may be able to help find you the ideal loan product.

Advantages and disadvantages of a personal loan

Before you take out a personal loan, it’s important to do your research. Borrowing money can be a big boost to your personal circumstances if you’re planning to pay off debts or make a big purchase, but it means you need to be confident you can make repayments towards the loan on a monthly basis.



If you’ve done your homework and have decided to apply for a loan, the next step is to choose between a secured and an unsecured loan. A secured loan is tied to an asset you own, such as your house or car, while an unsecured loan isn’t connected to an asset. Both have clear advantages when it comes to making a decision.

Advantages of a secured personal loan:

Advantages of an unsecured personal loan:

Loan FAQs

Please click below for the answers to our most commonly asked questions. If you can't find the information you need, call us free on 0800 694 5566 and one of our advisers will be happy to help.

How can I check my credit score?

To check your credit score, head to the website of one of the three credit reporting agencies. These are:

Here you’ll be able to run a credit report, which generates your credit score. You can check your credit score for free.

Will searching for a loan affect my credit score?

Searching for a loan should not lower your credit score, because all our lenders will do a soft search on your credit file. It is only when your loan completes then the lender will record a hard search on your credit file. However, making repayments on time should improve your credit score over time.

Can I apply for a loan with bad credit?

Yes, you can apply for a loan with bad credit or a CCJ. There are lenders who will work with you on a repayment package that covers both your existing debt and the amount of money you want to borrow.

How long does it take to get approved for a loan?

You will usually receive an instant decision from us on whether or not your application has been successful. It usually takes between one to two weeks for your application to be processed.

Can I pay off a loan early?

A loan can be paid off at any time, but many lenders charge an early repayment fee for doing so. The fee is based upon the interest that won’t be accrued by paying off the loan early. It is essential that you can afford your repayments for the full term from the outset.

Can I take a break from paying back my loan?

You can discuss taking a break from paying back your debt consolidation loan. This is known as a 'payment holiday', but it can change your financial situation and affect your credit rating. Discuss the terms and conditions of taking a payment break with your lender before agreeing to the loan.

How long are the repayment terms?

Our repayment terms are flexible and work around you. Choose a period that suits your financial situation best, from one to 30 years, to make sure you're comfortable with the repayments.

What are the interest rates?

The interest rates may vary, on your individual situation and financial history. Our homeowner interest rates start at 2.9%.

Are there any loan fees?

We do not charge fees on unsecured loans. As a broker, we may charge a broker fee of up to 12.5% on a secured loan. Because we’re not a bank, we receive commission from the lender once the loan has been completed.

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