How to apply for a loan

Uploan is an innovative new way in consumer finance.

At Uploan, applicants can apply for a personal loan from £500 to £2,000.

The loan length is flexible at Uploan, and you can pay it back within 12 months.

Why apply for a loan?

There are all types of uses for loans.

Some of the reasons our customers need a personal loan include:

Whatever the reason for taking out a loan, Uploan requires applicants to have a steady monthly income to avoid our customers falling into financial difficulty when they make their repayments. Should our customers experience difficulties with their repayments, they should contact us immediately.

Repaying your loan

Repaying your loan is easy and straightforward with Uploan. Applicants can select the repayment period that suits their needs when applying for a loan. You can choose for how long you need the loan for and how many repayments you need to repay the loan.

You do not need to worry about how to make the loan repayments. All payments will be automatically collected on the due dates using continuous payment authority (CPA) which allows Uploan to collect the payments from the registered debit card without requiring separate authorisation for each withdrawal. Customers can cancel their CPA with the bank or Uploan directly but would need to notify Uploan in advance and make other arrangements to pay what is due. In total, Uploan will make 2 attempts to collect the loan payment by using CPA.

If Uploan is unable to collect repayment on the agreed date, one of our team will attempt to contact you. If we are unable to contact you and payment is not made, a missed payment fee of £15 will be added to your loan balance. Interest will continue to be added to your balance.

Missing payments can have serious consequences. It can cause adverse entries to be listed on your credit file and make it more difficult to obtain credit in the future. Uploan can also take further action to recover any amounts owed and you may be declined an advance from Uploan in the future. The accrual of interest can also substantially increase the total cost of repayment of the loan but customers will never have to pay back more in fees and interest than the amount borrowed.

Managing your loan

Successful applicants become a customer of ours, and in doing so you will have an online account that can be used to manage your loan with us.

In the customer’s online account you can:

  • Check all your data,
  • Update your profile when needed
  • View current loan and repayment details

Managing online accounts is easy with Uploan because all you need to do is log onto our website to retrieve your account.

Uploan takes customer data and security extremely important, using an SSL encryption to safely store customer information.

First choose the amount you want

Uploan offers loans starting from £500 to £2,000. However, it is recommended that you only choose an amount that you can afford to repay during the length of your loan. Begin by using the loan calculator at the bottom of this page.

Then fill in your details

To get a loan, you’ll need your bank details and other information. You will be asked to fill in your details during this step.

Uploan will process your application

This is where we begin to assess your application. Uploan aims to approve applicants as soon as we can, in some cases, on the same day.

We’ll help you keep repayments on track

Uploan will let you know your repayment dates and the amounts you are required to repay.

If you can’t repay your loan on time please contact us as soon as possible! Late repayment can lead to severe financial problems which is why we suggest communicating financial problems as soon as you feel unable to repay.

Are you interested in a loan?

Use the sliders desired loan amount and term. The calculator will then show your loan in detail.

How much would you like?
Over how many months?

Monthly repayment:

Total repayable:

Representative example: Borrow £1000 for 12 months. Total repayment: £1953,07 in 12 monthly payments of £162,76. Interest p.a: 146.10% (fixed). Representative 296,91%APR.
Warning: Late repayment can cause you serious money problems. For help, go to
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