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Short Term Loans from £250 to £750

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Click here to compare Conduit against similar lenders

REPRESENTATIVE EXAMPLE:

A £500 Conduit loan over 39 weeks; total amount repayable £720.12 made up of £15 admin fee (taken from loan amount advanced); 39 repayments of £18.08 per week. Interest rate 92.27% p.a. (variable). 171.94% APR Representative. 3% variable admin fee.

Yes

This loan may be suitable for you if:

  • You want a short term loan for between 3 and 12 months
  • You want flexible repayments that can be made weekly or monthly
  • You want a loan that has no hidden fees or costs
No

This loan may not be suitable for you if:

  • You have a history of bad credit including recent defaults and CCJ’s.
  • You already have outstanding payday loans or short term loans.
  • You are already in financial difficulty and wouldn’t be able to repay the loan.

How it works...

Apply to Conduit using the form below. Applying won't affect your credit score^
We'll check your eligibility for a loan against the application criteria and if suitable, you’ll be sent to the Conduit website
If you are not eligible for a Conduit loan, we will try our other lenders to see if we can get you a loan elsewhere
If another lender accepts your application you’ll be redirected to their website

^In order to assess your suitability for a loan, lenders may perform a soft credit check, this does not harm your credit score and is not visible to other lenders. If you accept a loan offer, you will be redirected to the lender and they may ask to perform a full credit check.

Start your application to Conduit below...

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Conduit Loans

About Conduit

Conduit are a responsible lender offering fair and affordable personal loans from £250 to £750 from 3 to 12 months. You can find out if you’re eligible for a Conduit Loan without affecting your credit score.

Conduit is different from many other lenders as they are a Community Development Financial Institution, which means they support individuals, families and communities by offering lower cost, affordable and flexible loans that best fit the circumstances of the individual.

You can borrow any amount from £250 to £750, first time customers may be offered a lower amount than applied for. Please note, Conduit charges a 3% of your loan value administration fee, which is deducted from the amount transferred to your bank. For example, if you are accepted for a £500 loan, £15 will be deducted as the fee and £485 sent to you. There are no upfront fees to pay.

Eligibility Criteria

You must be over 21 years of age.

You must be a UK resident with an active bank account and debit card.

All loans are subject to credit and affordability checks.

Applying

All UK residents over 21 can apply for a Conduit loan, but you’ll need to meet their lending criteria.  Conduit will consider applications from most people, even if you have bad credit.

You can apply for a loan from Conduit here on allthelenders and, if you are eligible, you will be invited to complete a full application on the Conduit website. Applying on allthelenders means there will be no harm to your credit score to check your eligibility – please note, if you go on to a full application on the Conduit website, they will perform a credit check.

The great thing about applying on allthelenders is that if Conduit cannot accept your application then we will search our comprehensive panel of lenders to see if any other lenders will accept you, saving you time and helping you to get the loan that you need.

Repaying a Conduit Loan

Conduit Loans are repaid in equal monthly instalments over 3 to 12 months, depending on the loan period you chose during your application.

Conduit are flexible, however, so if monthly payments are not suitable for you then you can also choose to repay your loan in equal weekly instalments.

Conduit will collect the payments directly from your debit card on each of your following paydays, the payments are automatically collected and there is nothing you need to do.

Once you have repaid your Conduit loan, subject to credit and affordability checks you may be eligible to borrow again and you may be offered a higher amount.

Five Lamps is authorised & regulated by the Financial Conduct Authority.