Why Choose Aspire Money

Aspire Money is a loan broker and not a lender, we have a panel of lenders that may be able to help you. We do not provide any recommendations or advice, the choice is completely yours.

Repayment Terms

Loan Repayment period from 1 year to 5 years.

Personalised Solutions

We are dedicated in helping you find the right financial solution.


We have a call centre open 6 days a week to serve your needs.

Quick Decisions

You may have your loan decision within minutes.

Fast Processing

In some cases the loan may be paid on the same day provided you meet the lenders criteria which is subject to further checks.


We help you based on your individual circumstances.

Unsecured Loans

Loan Amounts of up to £25,000.


Min APR 6.4% up to a Max of 299%


Representative Example: Representative Example: Annual Interest Rate (fixed) is 49.9% p.a. with a Representative 49.9% APR, based on borrowing £3,000 and repaying this over 36 monthly payments. Monthly repayment is £146.39 with a total amount repayable of £5,270.04 which includes the total interest payable of £2,270.04.

Personal Loans

Aspire Money is a loan broker, and not a lender. Put simply, we specialise in finding a loan to suit your needs and individual circumstances. Our panel of lenders provide unsecured personal loans of any amount between £500 and £25,000 with flexible repayment periods of 1 to 5 years. So whether you have a poor or perfect credit rating, need a small cash sum, or need to spread the cost of a larger loan over a number of years, we’ll help you narrow down the options available so that you can choose a loan that’s right for you.

What is an unsecured loan?

An unsecured loan, also known as a personal loan, allows you to borrow money for a whole range of purposes. The loan is not secured against any of your assets, such as your car, house or valuables, and you will often be able to borrow more money than you would with a credit card. You will need to repay your personal loan in monthly instalments. In many cases, the loan repayments will be fixed amounts which you can add to your monthly outgoings, enabling you to budget effectively.

Why should I choose an unsecured loan?

If you are able to repay a smaller loan amount over a relatively short period of time, then a personal loan can be an option. However, personal loans will often have higher interest rates, particularly if you are only borrowing a small amount, so it’s worth considering the overall cost of borrowing before you decide to go ahead. Interest rates also vary and are calculated on your individual circumstances. An unsecured loan is often easier to apply for, and you will normally receive your loan amount faster than if you had applied for a secured loan. Unsecured loans can also be used to consolidate existing debts, making them easier to manage and pay back. If you have missed several payments, then you could consider opting for an unsecured loan to manage your debt repayment before it has a negative impact on your credit score. For free, impartial advice on managing debt you can contact the National Debtline or Citizens Advice.

What is a bad credit loan?

A bad credit loan is designed specifically for those who have a poor credit rating. Lenders will only lend to customers, who they assess, can afford the monthly repayments, so if you have a poor credit rating, a lender may agree to lend you money at a higher interest rate or request that you have a guarantor who can cover the repayment costs if you are unable to. Even if you have a bad credit rating, it may still be possible to obtain a loan. We understand that life doesn’t always run smoothly, and a poor credit history shouldn’t stand in the way of securing a personal loan to help pay for a new car, improvements to your home or any other unexpected costs which may come your way. Our panel of lenders assesses candidates on their individual circumstances, and they will take into account your income and outgoings as well as any other assets you might have when you apply for a loan. However, if you have a bad credit rating, then you will be considered a high-risk customer, and they may charge you a higher rate of interest.

How do I know if I have a bad credit rating?

If there have been occasions when you have failed to make credit payments on time, have missed payments entirely or have been referred to a debt collection agency, then you are likely to have a lower credit rating. Defaults or County Court Judgements (CCJs) can also lower your credit rating, and if you have filed for bankruptcy or been unsuccessful in obtaining a loan in the past, this can also impact your credit rating.

Whether you have bad credit history or not, there are a range of loans available to suit your individual needs:

Bad credit loan

If you have a poor credit rating, you will be considered a higher risk to lenders, and so they may offer you a bad credit loan which has a higher APR. If you have been refused a loan by the bank or by other lenders in the past, then a bad credit loan may be the best option if you need to borrow money.

Unsecured homeowner loan

As a homeowner, you may be considered a lower risk to lenders than if you were renting a property. However, without securing the loan against your home, you will still need a good credit history to be considered for an unsecured homeowner loan.

Car finance loan

If you would like to borrow money to purchase a new car, whether for private or professional use, it may be worth considering a car loan. Unlike a personal loan, a car loan can only be used to pay for the purchase of the car. Unsecured car loans often require a good credit history as the lender will not be able to repossess the car or other assets if you fail to make the payments.

Guarantor loan

If you have a poor credit history, you may still be able to borrow money, or obtain a better rate on a loan, if you have a guarantor. This means that a second person, such as friend or family member, will be responsible for making your loan payments if you fall behind, minimising the risk to the lender.

To be considered for an unsecured personal loan through Aspire Money, you must:

  • earn £800pm and above
  • be a UK resident
  • be aged between 18 and 65
  • be in employment or be self-employed

Our quick online application process will help you find the best loan option available from our panel of over 20 lenders, and once you’ve chosen your preferred lender, we aim to get you the money you need as quickly as possible.

Once you’ve applied, a member of our specialist team will call you to discuss your application and may request some additional information, then we’ll review the options available for you!

Alternatively, you can speak to one of our friendly customer service agents on 0203 915 9995.

We specialise in finding suitable loans for our customers but even if you have a bad credit rating, it is still possible to obtain an unsecured loan. Our panel lenders will evaluate customers based on their individual circumstances, while looking at factors such as your income and outgoings as well as any other assets you might have to help determine your eligibility and whether you can afford the monthly repayments.