Metric 01
4.8/5
average review score
UK LENDING HELP
Loans Made Clear
Compare unsecured personal loans, secured loans and business finance with clear terms. Get fast eligibility checks, debt consolidation support and repayment advice that fits your budget.
Metric 02
186+
loan checks completed
Metric 03
48 hrs
first reply time
HOW IT WORKS
Four steps to a clear loan plan
Unsecured cash for planned costs, with fixed monthly payments.
UK borrowers
Personal Loans
From £49
Unsecured cash for planned costs, with fixed monthly payments.
Property review
Secured Loans
From £79
SME funding
Business Finance
From £99
01Rate review
Debt Consolidation
From £59
Bring several debts into one payment and see the monthly cost.
02Quick cash gaps
Working Capital
From £89
Bridge cash gaps for stock, bills, or payroll without long waits.
03Soft search
Eligibility Check
From £19
See if a loan fits your profile before you apply with a soft check.
LOAN SERVICES
Loan options with clear terms
Tell us what you want to borrow, why you need it and your monthly budget.
01
Share your needs
02
Check your fit
03
Compare offers
04
Set repayments
REAL RESULTS
What clients got from Key Lending
One soft-search check Basic affordability review Loan type shortlist Repayment notes Email summary
Single checkSingle check
Starter
From £49
- One soft-search check
- Basic affordability review
- Loan type shortlist
- Repayment notes
- Email summary
Most popularIncludes call
Signature
From £125
- Three lender matches
- Debt consolidation review
- Business cash-flow check
- 30-minute call
- Repayment plan notes
- Priority email replies
Project feeProject fee
Scale
From £299
- Five lender matches
- Secured loan review
- SME funding plan
- Monthly repayment advice
- Direct case manager
- Priority call slots
CLIENT FEEDBACK
Simple advice, clear terms
Soft search helped them choose a fit in 2 days
Personal
Lower rates for a family loan
Soft search helped them choose a fit in 2 days
Debt
One payment, less stress
SME
Cash for new stock
Property
Home equity for repairs
Startup
Fast check, clean fit
Personal and secured loans
Maya Thornton
SME cash flow and working capital
Lewis Grant
Debt consolidation plans
Priya Desai
Soft searches and fit checks
Owen Clarke
Proof
Customer notes
Verified
“They explained every fee in plain words and helped me pick a better loan.”
Hannah Price
Homeowner, Bristol
Verified
“The debt review cut my monthly outgo and kept the next step simple.”
Callum Reed
Sole trader, Leeds
Verified
“We got working capital for stock fast, with clear figures from the start.”
Aisha Malik
Operations Director, Manchester
Service area
Greater London
London, Croydon, Enfield, Ilford
Area 01
Greater London
London, Croydon, Enfield, Ilford
Area 02
South East England
Reading, Brighton, Oxford, Maidstone
Area 03
West Midlands
Birmingham, Coventry, Wolverhampton, Solihull
Area 04
North West England
Manchester, Liverpool, Preston, Warrington
Journal
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Questions
Common loan questions
Quick answers before visitors choose a product, service, or next step.
01Do you lend to all applicants?+
No. We check your fit first, then show options based on income, credit history and loan purpose.
02Will a check hurt my credit score?+
Our first fit check can use a soft search. A hard search only happens if you go ahead with an application.
03What loan types do you cover?+
We help with unsecured personal loans, secured loans, business finance, debt consolidation and short-term working capital.
04How fast is a decision?+
Many cases get an initial answer the same day once we have your details and the key documents in place.
05Can you help with repayments?+
Yes. We review monthly payments and help you choose terms that fit your cash flow and planned spend.
06Do you work with SMEs?+
Yes. We help UK SMEs with stock orders, payroll gaps, tax bills and refinance plans all year round.
Get loan tips by email
Get short notes on loan checks, repayment planning and loan types for UK borrowers and SMEs.