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4 Year Loans

Are you looking for a 4 Year Loan?

A 4 year personal loan from 1st Stop can be a great option for dealing with whatever unexpected costs life throws at you. If you need a little extra assistance to afford a home improvement project or fix up your car we could help. A new loan could even allow you to give your holiday budget a boost or be used for debt consolidation to manage all your existing debts with one simple monthly payment.

Representative 30.8%APR

from £2000 to £15000


from 24 to 72 months

36 months
Representative Example: Representative 30.8%APR based on a loan of £5,862 repayable over 47 months at an interest rate of 13.5% pa (fixed). 46 monthly payments of £203.83 and a final payment of £204.03. Total amount payable £9,580.21. Acceptance fee £395*.

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Calculation based on representative APR – the rate you are offered will be based on your personal circumstances.
*We charge an acceptance fee of £395.00 which is added to the amount of credit you borrow. The repayment of the fee is included in the monthly repayments over the term of the loan as displayed. You are not required to pay this fee upfront.

Whatever you need to borrow money for, we can help you to cover the costs and stop worrying about the price tag. Our 4 year loan options range from a minimum amount of £2,000 up to a maximum of £15,000. We can help you pay for the things you need today and clear the loan balance with affordable monthly payments over a 4 year repayment period. Plus, our personal loans are unsecured, so there’s no requirement for you to provide any collateral, although you do need to be a homeowner.

At 1st Stop, we use more than just your credit score to assess your loan application. We look at your current financial situation and personal circumstances to see if you can comfortably afford the loan payments. This involves running a soft credit check that won’t appear on your credit history. We’ll only run a hard check once you decide to go ahead with the loan.

We can remove the barriers to borrowing, even if you have had a poor credit history or have been turned down by another lender. We look at your personal circumstances and run a soft credit check to understand if you can afford the loan repayment. This check won’t appear on your credit history and we’ll only run a hard credit check once you decide to go ahead with your new loan. Plus, you won’t need to secure the loan against any valuable assets, although you will need to be a homeowner to meet our eligibility requirements.

This means that, whether you have good credit history or not, you could still be approved for a 4 year loan with us. So, apply today and get a no obligation quote in just a few clicks.

Unsecured Personal Loans from 1st Stop

Here at 1st Stop Personal Loans we offer unsecured personal loans from £2,000 to £15,000 subject to your personal circumstances, simply complete our online application form for a decision. Whether you’re looking for a new car, redesigning your kitchen or thinking of a major purchase, our unsecured personal loan could help to make your plans a reality. 30.8% APR Representative (fixed).
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