Loans In Jersey - New
500
150,000

Our service won't affect your credit score.

  • Match You To Jersey Lenders
  • Sit Back & Wait For Your Quotes
0%
  • Applicants must be over 18 years old
  • Earn a minimum of £10,000 per year
  • Lenders can't accept applicants who are furloughed or on sick leave.
You are looking to borrow is that correct?
20%
Great, let’s get started...
Please enter your details

Enter your name here

Enter your Email Address here

Enter Phone Number here

Next
30%
What's the money for
40%
How long do you want to borrow it for?
50%
Are You 18 or Over?
60%
Do you have any adverse credit that you know of?
70%
Okay, how quickly are you looking to proceed?
80%
Have you lived in Jersey for 12 months or more?
90%
Thanks,
To complete your request, please accept the checkbox below and click the 'Get My Free Quotes' button.

Cash.je is not a financial lender.

We will match you with local loan companies to provide you with quotes based on your requirements.

Compare Loans in Seconds and Find Out What You Can Borrow

  • Get quotes from local loan companies
  • Make the right choice about which loan is best for you
  • Get peace of mind that you got the right loan

Loans can help you get the money you need to undertake renovations, consolidate debt, buy a car, or pay for tuition. However, you need to be diligent and make your repayments on time every month and ensure you can afford the extra financial burden. That’s why it’s so important to choose the loan that’s right for you and your unique circumstances.

Looking for the right loan at the best price? First, decide how much you want to borrow and how long you want the loan term to be. Then, we can help you find the best loan for your needs.

Comparing Loans

To find the best rate and terms for your loan, you need to compare rates and conditions across all lenders. That can be really overwhelming – there are a lot of lenders out there! They all seem to offer similar products and ‘too good to be true’ APRs. How do you know what rates you’ll qualify for?

So instead, let us help you compare loans and find out where you can get the best loan with the most favourable terms.

You just need to give us a few pieces of information and in a matter of seconds we’ll show you which lenders are most likely to offer you loans. We’ll detail the terms, APR, and likelihood they’ll extend an offer – that way, you can decide when and if to apply.

Don’t apply for a loan without this information! You could damage your credit rating or end up with an unfavourable loan. It’s not worth the risk.

Comparing loans in Jersey

What are you looking for in a loan?

  • How much do you want to borrow?
  • How long do you want to borrow it for?
  • What can you afford for repayments each month?
  • What do you need the loan for?
  • Are you using it to buy a car, consolidate your debt, or make home improvements? Lenders want to know.

We need to know your name, address, birth date, and income information. Once we have this info, we can access your credit file and assess which loans you’ll likely be eligible for.

It’s just that easy!

What types of loans are available?

As you start your research on different loans, it’s tempting to apply for the first one that suits your needs. Don’t make that common mistake! Check out which loans are available first, and then find the best rate and terms you qualify for. The more research you do, the better odds of getting a great deal. 

Here are a few of the different loans available on the Jersey market.

Secured Loans

Secured loans allow you to borrow large sums of money at lower rates. That’s because they are secure against your assets, such as your property or your car. 

Before you get too excited, remember that this can be a risk. After all, if you can’t make your repayments, you could lose your house or your car.

Guarantor Loans

If you have a low credit score, you might have luck with a guarantor loan. This is an unsecured loan that allows someone else to sign on your behalf.

They’re essentially agreeing to be responsible for the debt if you can’t make the payments.

Personal Loans

Personal loans are one of the most common loans, allowing you to borrow up to £25,000. The loan isn’t secured against anything, but the terms depend on your past credit history and how much you’re borrowing.

Bad Credit Loans

If you have bad credit, it can be a real challenge to find a lender who will offer you a loan. That said, it’s possible!

You can expect to pay higher interest rates and you’ll often need a guarantor to make the lender feel confident about the loan.

Debt Consolidation Loans

Do you have a lot of little loans? A consolidation loan combines all of your debt and can often reduce the total interest you pay.

Just be on the lookout for early repayment fees on any loans you want to consolidate.

Car Loans

If you’re looking to buy a car, it makes sense to check out car finance loans. Dealerships and private lenders offer car loans, but it’s worth looking at personal loans to see if you can get better terms.

Loans in Jersey

“Will I get accepted for a loan?”

Did you know most people think their credit score is lower than it is? We can help you do a soft search and compare the best loans for your circumstances.

Our clients always wonder if they will get accepted for a loan, and here is what we tell them. Getting accepted depends mostly on your credit history and score – no lender wants to risk lending to someone who can’t afford the repayments!

That’s why it’s such a good idea to compare loans in advance. By answering a few questions about your personal situation, finances, and employment, you can get a reliable answer before you make an application. In just a few seconds you’ll learn which lenders are most likely to lend you money, what APR you qualify for, and which terms you’re likely to be offered.

Does comparing loans affect your credit score?

It’s a common worry that comparing loans could negatively impact your credit score. That’s why we only conduct ‘soft searches’ that don’t affect your credit rating. These searches aren’t recorded in a way that other lenders can see, so there is no impact on your score.

However, it impacts your credit history when you actually make an application - and lenders can see when you get rejected! That’s why it’s such a bad idea to apply for too many loans or credit cards. If you are rejected, it really damages your credit score. Even if you are accepted for many loans, other lenders can see how many times you applied, and they don’t look at this favourably.

That’s why you should only apply for credit or loans when you think you’ll be accepted, and then, only when you intend to accept.

We can help!

Credit score Jersey

How to get the best rate on your loan

Do you want to get the best rate possible for your loan? Of course you do! The easiest way to get a good rate on your next loan is by improving your credit score.

Make repayments on time every month and lower the percentage of your credit limit that you’re borrowing. Only conduct soft searches, and if you’re struggling, don’t hesitate to speak to your lender.

Check out these simple ways to get a better rate on your next loan.

List of Services

Frequently Asked Questions

We regularly receive a lot of good questions about comparing loans. Don’t see your question here? Don’t hesitate to get in touch.

  • What is the cost of my loan?

    Wondering how to work out the cost of a loan? Start by looking at the APR, but don’t stop there. You should also look at the total amount you’ll pay back and your monthly repayments, fees, and charges. Pay attention to the interest rate, APR, and your monthly repayments – can you afford them?


  • What about borrowing from my bank?

    It’s normal to wonder, “Should I borrow from my bank?” In most cases, your bank will lend you money (as long as your credit history is good), but this might not be your best choice. It’s always smart to shop around and compare rates, and always read the fine print. 

  • Is it ok to pay a loan back early?

    In almost all cases you can pay back your loan early, but some agreements do come with penalties for early repayment. That is, they’ll levy a penalty at you if you overpay. Always check the fine print to make sure you won’t face extra fees or unexpected stress.


  • Cashback mortgages

    A cash back mortgage gives you a lump sum of cash upon completion. You can use this money to pay for fees, moving costs, and home essentials. 


    Keep in mind that cashback mortgages don’t usually have great rates, so be sure to compare costs. 

  • Will my partner’s credit score affect my loan?

    In some partnerships, one partner has a better credit score than the other. If you’re planning to apply jointly, this will affect your chances of getting a good rate. However, even if you apply on your own, your partner’s low credit score could impact your loan offer. That’s because lenders can see that you’re connected, and they’ll take this into consideration. It’s best to work on improving their credit score before you apply. 


  • Can I get a loan if I’m self-employed?

    Self-employed people often struggle to get loans and mortgages because lenders are unsure about their income. However, if you have two years’ worth of accounts (completed by an accredited accountant) and a good credit score, most lenders are willing to offer you a loan. 


Get a loan that

works for you today

Share by: