Unsecured Loans for Your Clients
Help your clients access straightforward personal loans with fixed monthly payments and no charge on their home.
An unsecured loan allows your client to borrow a set amount over a fixed term, with:
- No legal charge on their property
- Fixed monthly repayments
- A clear end date for the borrowing
We are a credit broker, not a lender. We work with a panel of lenders and help you and your clients understand the costs, risks and alternatives in clear, plain English.
Broker line: 0333 015 0401
Repayment preview
Illustration only. Real lender offers depend on status and affordability.
When an unsecured loan can help
Unsecured personal loans can be a useful option for clients who need a modest, fixed amount of borrowing without using their home as security.
Typical uses
Your clients may consider an unsecured loan for:
- Debt consolidation
- Combining several credit cards, store cards or personal loans into one fixed monthly payment
- Helping to make budgeting easier and reduce the number of creditors
- Planned expenses
- Buying or replacing a car
- Funding a wedding or other major life event
- Paying for education, training or professional qualifications
- Home projects such as appliances, furniture or minor improvements
- One-off bills or unexpected costs
- Spreading the cost of larger bills over time instead of paying in a single lump sum
When it may be suitable
An unsecured loan may be considered where a client:
- Preferably does not want to secure borrowing on their home
- Needs to borrow a modest amount, typically from £1,000 to £25,000
- Wants fixed monthly payments over a term of around 1–7 years
- Values certainty of payment and end date over flexibility
Credit and affordability
- Lenders assess the client’s credit history, income and outgoings.
- Missed or late payments can harm a client’s credit record and may affect their ability to borrow in future or the rate they are offered.
- Clients should only proceed if they are confident they can maintain the repayments throughout the full term.
Who this suits
- • Prefer to avoid securing borrowing on your home.
- • Want predictable payments over a fixed term.
- • Tidying up multiple debts into a single plan.
Quick eligibility
Likely match score
Good to know
- • Typical terms 1–7 years; amounts depend on status.
- • Late payments can impact your credit file and cost more.
- • Rates/APR vary by lender and your circumstances.
How we support intermediaries
We work with mortgage brokers, financial advisers and other intermediaries across the UK to help place suitable unsecured loans for their clients.
We can:
- Review your client’s situation and objectives
- Understand their current debts, income, expenditure and goals
- Clarify whether an unsecured loan is appropriate compared with other options
- Research unsecured loan options from a panel of lenders
- Identify lenders whose criteria are likely to fit your client’s profile
- Consider rates, terms, loan amounts and any fees
- Provide clear illustrations
- Representative rate and APR
- Monthly payment, term and total amount repayable
- Any fees and early repayment terms where applicable
- Explain the benefits, costs and risks
- Compare unsecured loans with alternatives such as secured loans, or remortgages
- Help you present options to your client in a balanced, compliant way
- Manage the loan application process
- Liaise with the chosen lender
- Help with documentation and queries
- Keep you informed so you can update your client promptly
Our role is to make unsecured borrowing simpler to place, easier to explain, and clearer for clients to understand, while supporting you in meeting your regulatory obligations.
Representative example (illustrative only)
Borrowing £5,000 over 36 months at a fixed rate of 9.9% p.a., with a representative APR of 9.9%:
- Monthly payment: approximately £160.04
- Total amount repayable: approximately £5,761.44
This example is for illustration only and does not constitute an offer. Actual rates, terms and amounts available depend on individual circumstances, credit status and lender criteria. When a rate or cost is shown, FCA rules require a representative APR and example with equal prominence.
Client FAQs about unsecured loans
An unsecured loan (often called a personal loan) is:
- Borrowing over a fixed term, usually 1–7 years.
- With fixed monthly payments.
- Not secured against the client’s home or other property.
Lenders decide based on credit history, income, spending and affordability. If repayments are missed and the matter proceeds to court, enforcement could still affect finances and, in some circumstances, property.
Timelines vary by lender, but generally:
- Once approved and documents are completed, some lenders can release funds within a few days.
- Others may take longer if more information is required.
We’ll indicate typical timescales for your chosen lender so you can set expectations.
Yes, in several ways:
- Application checks appear on their credit file.
- The new loan is recorded as a credit commitment.
- Missed or late payments can harm credit and future borrowing terms.
- Paying on time may help demonstrate responsible credit use.
Clients should only proceed if confident they can afford repayments for the full term.
This depends on the lender and product:
- Many allow overpayments or early settlement.
- Some may charge an early repayment fee or interest to a point.
We explain any early repayment terms and charges so your client can decide what suits them.
Not always:
- Lower monthly payments from a longer term can increase total repaid.
- Clients should consider rate, total repayment amount, term and fees.
We help compare overall cost so you can explain clearly whether consolidation looks beneficial.
Lenders usually ask for:
- Personal details and address history.
- Income details (employment or self-employment).
- Regular outgoings such as housing, utilities and other credit.
- Information on existing debts.
Some lenders may request bank statements, payslips or other evidence to support the application.
Why brokers work with Wednesday Financial Services
- FCA authorised and regulated advice and broking services.
- Access to a panel of unsecured loan lenders.
- Plain English explanations for you and your clients.
- Clear, fair, balanced information so clients can make informed choices.
- Support in aligning recommendations with client needs, circumstances and risk profile.
We help you broaden solutions, save time on research and admin, and give clients transparent options for unsecured borrowing.
Start an unsecured loan enquiry
Call our broker team on 0333 015 0401, register as an introducer, or log in to place and track cases. We’ll outline any fees, timescales and possible outcomes before your client decides.
Important information
- Mortgage & Secured borrowing risk: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Think carefully before securing other debts against your home.
- Fees: If we charge a fee for our service, we'll tell you the amount and when it becomes payable before you proceed.
- Commission: We may receive a commission from a lender if you go ahead with a product we introduce. On request, we will disclose the amount (or likely amount) of any commission we receive.
- All products are subject to status, eligibility and affordability checks. Lender criteria, rates and terms may change.
- Calls may be recorded for monitoring, training and quality assurance.