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5 Year Loans

Manage your finances and spread the costs with a 5 year loan

Get the funds you need for your business, home or personal goals with 5 year personal loans from Norton Finance. With flexibility in mind, our 5 year loans allow you to choose how much you wish to borrow over a manageable timescale. Even if you have bad credit or CCJs, or are retired or unemployed, get in touch and our team will find a product that works best for your personal circumstances.
  • Your choice
    We search over 600 plans to give you the best options for your borrowing needs.

  • Your terms
    Choose a repayment plan on your terms, anywhere between one and 30 years.

  • Our guidance
    No matter if you have bad credit, CCJs or are retired, our team of experts is here to help everyone.

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What are 5 year loans?

A 5 year personal loan sets the repayment window from the start, so you have an end goal for paying off your loan. This gives you peace of mind to borrow an amount with monthly repayments you can afford to pay back, helping you to plan your finances effectively. To understand your terms, use our 5 year personal loan calculator to see an estimated monthly repayment or get an instant quote from us.

Before you decide on a plan, you’ll need to choose between a secured or unsecured loan. A secured loan uses your assets, such as your home, as collateral if you fail to make the repayments. However, this loan is usually offered at a lower interest rate, meaning cheaper monthly instalments.

Unsecured loans are not backed by collateral, so a lender will look more closely at your credit report to decide whether or not to offer you a loan. This means your chances of being accepted for a 5 year unsecured personal loan could be affected if you have CCJs or bad credit.

What can I use a 5 year loan for?

You can use a secured or unsecured 5 year loan for almost anything, whether it’s personal or business related. Here’s just a few examples:


Improve your home

Raise the funds to improve your home, whether you’re looking to increase its value or give yourself more space.

Consolidate your debt

Combine your loans and credit into one repayment plan and manage your finances more easily.

Invest in your business

Start up a new enterprise or grow your business with a 5 year business loan.

Can I get a 5 year loan?

A 5 year loan from Norton Finance can help kick-start your next project, reach a milestone or simply help you take control of your finances. Unlike a bank, we search a wide range of plans and lenders to find the right loan for your circumstances.

Am I eligible for a loan?

At Norton Finance, we help customers get the financial aid they need, regardless of their personal circumstances or credit history. With access to over 600 plans, even if you have bad credit or CCJs, we can offer you more choice, with less chance of rejections.

We do our best to find the most suitable financial product for everyone, whether you’re unemployed, retired or a student.

What do I need to apply for a personal loan?

When you’ve decided on a 5 year loan, you can start your application online. For this you’ll need to provide the following details:

Once you’ve completed the initial application, we’ll be in touch to find out more information about your desired loan. If you are looking to consolidate your debts, it can be helpful to have details of any existing loan repayments to hand too to speed up the process.

Apply now

We’re here to help you take control of your finances and secure the funds you need, regardless of your financial situation. To find out more about 5 year loans and how we can help, get in touch with one of our expert advisers on 0800 694 5566.

5 Year 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.

Why choose a 5 year loan?

A 5 year loan is one of the most flexible loans on the market, and means you can borrow anything from £3,000 to £500,000, giving you the breathing space to make a big financial decision at terms you can afford.

How can I check my credit score?

You can check your credit score through one of the three main credit reference agencies:

These companies may offer a free outline of your score once a month, but you’ll have to pay to see a more in-depth report.

Will searching for a 5 year loan affect my credit score?

No, it shouldn’t do because when you put in an application or query for a loan, it will temporarily show up on your credit report as a soft search. It is only when you complete your loan application, a hard search is usually registered by the lender. However, making repayments on your loan should increase your score.

Can I apply for a 5 year loan with bad credit?

Yes. At Norton Finance we consider all applications for our 5 year personal loans, regardless of whether you have bad credit. Unlike a bank, we have access to a wide number of lending products, giving you more choice and flexibility.

How long does it take to get approved for a 5 year loan?

After filling in an online application, you will receive an instant decision in principle from a lender. However, it can take up to two weeks for your application to go through and the money to enter your account.

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