• Joint Loans
• Reasons to get a Joint Loan

Loan Calculator
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Interest Rate (APR):	5% 5.2% 5.4% 5.6% 5.8% 6% 6.2% 6.4% 6.6% 6.8% 7% 7.2% 7.4% 7.6% 7.8% 8% 8.2% 8.4% 8.6% 8.8% 9% 9.2% 9.4% 9.6% 9.8% 10% 10.2% 10.4% 10.6% 10.8% 11% 11.2% 11.4% 11.6% 11.8% 12% 12.2% 12.4% 12.6% 12.8% 13% 13.2% 13.4% 13.6% 13.8% 14% 14.2% 14.4% 14.6% 14.8% 15%
Monthly Payment:

Joint Loans

We can help you find the most suitable joint loans deal to suit you and your partner. Whatever you want to get a joint loan for, we will find you the best loan quote to fit in with your circumstances, and it's all absolutely free.

What is a joint loan?

Many couples who are married or who are co-habiting could find at some point they need to borrow money for one reason or another. It may be to pay an unexpected bill, borrow money for their wedding day or buy a new car. If you need the money straight away then it is worth looking at getting a joint loan. Joint loans require both applicants to submit their details when applying, but it often means you could borrow more money than if you were applying separately.

What are the benefits of joint loans?

Joint loans can be taken out for any reason. A joint loan will enable you to borrow more money than in you were applying on your own. Mortgage lenders take into account your current salary and so if you have 2 incomes to combine, lenders will be happier in the knowledge that you can afford to repay the loan back.

How much can I borrow with a joint loan?

This varies according to certain factors. How much do you earn, is the joint loan you are applying for unsecured or secured, how much do you want to borrow and how long do you want to borrow it for. Generally you could borrow anything from £1,000 up to £100,000 depending on your circumstances.

How long will it take to get a joint loan?

It depends on if the joint loan is unsecured or secured. If you and your partner rent a house, then you will be applying for an unsecured joint loan. These can be approved very quickly, so you could have the money within a week of applying. If you have a joint mortgage and want to borrow a large amount of money, you may wish to apply for a secured joint loan. This can take approximately 4 weeks to complete, but you will usually get an approval within minutes. It also depends on a few factors though such as how much you want to borrow, how quickly you can get the details to the lender and which lender you are using.

Will my partners bad credit history affect our joint loan application?

Possibly, it all depends on which lender you apply to and how bad your partners credit rating is. CCJ's, IVA's and previous arrears can leave a mark on someone's credit score, but each lender has a different criteria as to how this affects a joint loan application. If you are offered a joint loan you may get a slightly higher interest rate than if you both had a good credit rating.