What brings you utter joy? For some, it’s the breathtaking sight of a brand-new living room or kitchen. Others smile ear-to-ear while driving a brand-new car or motorbike on the motorway. For you, it could be shopping for paintings or splurging on a two-week international holiday.
As expensive as these pleasures may be, you might wonder if you can afford them. However, following your heart doesn’t always mean straying from your budget. You can still achieve both your dream and financial wellness with £10,000 personal loans.
If you need help planning for your finances, we’re happy to be your guide! Our briefer on personal loans below is a great way to start. Additionally, we can point you to the right lenders if you’re wondering where you should start your shopping.
Terms from 1 to 10 years. Representative example: 5 year £10,000 loan with comparison rates from 2.8% to 49.9% APR would cost between £10,728 and £27,321, including fees. The interest can vary between £728 and £17,321.
Repayments on a £10,000 personal loan
The amount you will have to repay monthly on your personal loan will differ for each lender. The interest rate for your loan is based on your credit score and the length of your loan. For example, the longer the loan term, the smaller the monthly payment, but it costs more. Additionally, different lenders have varying administration fees.
Indicative costs when you borrow £10,000 over 36 months:
- Origination or administration fee: 0% up to 8% of the loan amount
- Interest rate (APR): 2.7% to 99.99%
- Monthly repayments: Between £289 and £883
Total cost on a £10,000 loan: Between £10,422 and £31,779
Planning for £10,000 personal loans
Did you know you can create extra savings on your personal loan? Educated borrowers do this by tailoring the loan terms to their finances, and then negotiating with lenders.
Repayments are not the only loan feature you should pay attention to. Take charge of your entire loan by researching on the following:
- Loan term: Depending on your current finances, you can set how long you need to pay back the £10,000. We’ve mentioned that a longer term costs more, so shortening this is ideal.
- Annual percentage rate: Firstly, decide if you want a variable or a fixed rate. Variable rates can possibly reduce interest costs, but fixed rates are better when the market is uncertain. Secondly, don’t accept the first rate that a lender offers you. If you searched patiently enough, you might find a lower rate with other lenders.
- Loan charges: Sometimes, lenders will not reveal these until you ask them or read the fine print. Do you need to settle a fee for the loan setup? How about penalties if you wish to pay off the loan early? If these are too high, you may be better off with other options.
£10000 Personal loan calculator
Repayment Period
12 months
to 60 months
Loan Amounts
£7,500
to £25,000
Paying off your debt using a Nationwide loan could give you the chance to take control of your finances.
Repayment Period
12 months
to 60 months
Loan Amounts
£7,500
to £15,000
You are eligible if youre 21 or over and live in the UK permanently, you have a regular yearly income of £6,000+, you are able to make your repayments by Direct Debit, and you havent been declared bankrupt, had a CCJ or an IVA within the last 6 years. All credit is subject to status and credit checks.
Repayment Period
12 months
to 96 months
Loan Amounts
£15,000
to £25,000
Make your plans a reality with a personal loan with fixed monthly payments, an instant credit decision, quick access to funds and no arrangement fee.
Repayment Period
24 months
to 60 months
Loan Amounts
£15,000
to £24,999
When it comes to putting your plans into action, its personal. And with a personalised loan just a few clicks away, getting things moving could be simpler than you think. Get your loan rate before you apply without it affecting your credit score.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£5,000
to £50,000
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£7,500
to £25,000
We offer mortgages, loans, arranged overdrafts, guarantees and indemnities in a wide range of currencies. The rate of interest payable depends on the individual circumstances of each customer and may be subject to change in the future.
EST Monthly Repayment
12 months
to 84 months
EST Monthly Repayment
£1,000
to £30,000
As well as offering guaranteed rates, we give you the flexibility you need. We offer loans from £1,000 to £30,000 with loan terms from one to seven years.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£100
to £25,000
We work with lenders to help you find a loan to suit your needs, whether youre looking to buy a car, go on the holiday of a lifetime or get a gift for someone special.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£7,500
to £20,000
You can apply online for a personal loan provided by Santander UK plc to help turn your plans into reality. Credit subject to status. Terms and conditions apply.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£7,500
to £25,000
You can choose how much money you want to borrow at a fixed rate, then choose over how long you want to pay it back. This will allow you to pay back your loan each month with an amount to suit your budget.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£7,500
to £25,000
Planning a big event or purchase? Maybe youre planning some home improvements or buying a new family car it all adds up. Youve come to the right place a Sainsburys Bank Loan could be the answer.
EST Monthly Repayment
12 months
to 84 months
EST Monthly Repayment
£7,500
to £25,000
Our 5 star rated loans help customers to borrow well. ? ? With loans from £1,000 to £25,000 (or £300* to £50,000 for TSB current account customers). Our lowest rate: 3.2% APR representative for loans between £7,500 and £25,000 for 1 - 5 years.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£7,500
to £25,000
Paying off your debt using a Nationwide loan could give you the chance to take control of your finances.
EST Monthly Repayment
12 months
to 84 months
EST Monthly Repayment
£15,000
to £25,000
Post Office Personal Loans are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
EST Monthly Repayment
12 months
to 84 months
EST Monthly Repayment
£15,001
to £25,000
Personal loan with breakdown cover Loans from £1,000 to £25,000 with no arrangement or set-up fees. Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
EST Monthly Repayment
12 months
to 120 months
EST Monthly Repayment
£15,001
to £25,000
A loan from Tesco Bank could be a great way to fund a home improvement project, upgrade your car, or help to cover the cost of your wedding.
EST Monthly Repayment
12 months
to 84 months
EST Monthly Repayment
£15,000
to £24,999
Special surprise or a serious buy weve got a loan youll love. A special occasion, a once-in-a-lifetime break, or a little more oomph in your home. Whatever you're leaning towards, you'll love our personal loan.
EST Monthly Repayment
12 months
to 84 months
EST Monthly Repayment
£15,000
to £24,999
We've joined forces with Virgin Money and the team has been busy behind the scenes to bring the brands together and create one brilliant bank under the Virgin Money name
EST Monthly Repayment
12 months
to 36 months
EST Monthly Repayment
£15,001
to £20,000
Repay your loan over a period of 12 to 84 months on loans between £1,000 and £20,000, or over a period of 12 to 60 months on loans between £20,001 and £25,000
EST Monthly Repayment
24 months
to 60 months
EST Monthly Repayment
£7,500
to £25,000
Award-winning Personal Loans Make it happen, Make it Hitachi Personal Finance
EST Monthly Repayment
12 months
to 84 months
EST Monthly Repayment
£5,000
to £29,999
Make bigger purchases more manageable with a Personal Loan at 3.3% APR representative. Apply via the App or Online Banking and you could get the money in minutes.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£7,500
to £24,999
Are you thinking of buying a new car, doing a spot of DIY or tidying up your borrowing but you are not sure how much to borrow? Use our loan calculator to help you.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£15,001
to £20,000
You are eligible if youre 21 or over and live in the UK permanently, you have a regular yearly income of £6,000+, you are able to make your repayments by Direct Debit, and you havent been declared bankrupt, had a CCJ or an IVA within the last 6 years. All credit is subject to status and credit checks.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£7,500
to £24,999
Personal Loan rate of 3.9% APR representative on loans from £7,500 to £35,000 over 1 to 5 years
EST Monthly Repayment
12 months
to 96 months
EST Monthly Repayment
£15,000
to £25,000
Make your plans a reality with a personal loan with fixed monthly payments, an instant credit decision, quick access to funds and no arrangement fee.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£7,500
to £25,000
Log on to Internet Banking to see how much you could borrow and if youre likely to be approved. This won't affect your credit score. 3.9% APR Representative on a Personal Loan between £7,500 and £25,000 over 1 to 5 years.
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£1,000
to £35,000
Weve welcomed award-winning lender, RateSetter, into the Metro Bank family to bring our customers a personal loan thats easy to apply for and simple to manage.
EST Monthly Repayment
24 months
to 96 months
EST Monthly Repayment
£20,000
to £25,000
If you're thinking about changing your car, tidying up your finances or making some improvements to your home, a loan from us could be the helping hand you need.
EST Monthly Repayment
24 months
to 60 months
EST Monthly Repayment
£20,000
to £24,999
If you're thinking about changing your car, sprucing up your home or planning your dream wedding, a Royal Bank of Scotland loan could help get you there.
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Minimum and maximum loan periods vary between 1 month and 10 years. APR varies between 2.80% and 71.30% p.a. Total interest repayments vary between £435 and £1,019 over the life of the loan. *APR is based on an unsecured loan of R£15,000 for a term of 3 years. WARNING: This APR is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different APR. These rates can change without further notice. All rates quoted are per annum.
