Loal unlocks your true credit potential
Loal shows your true credit potential, builds your credit profile, unlocks access to cheaper loans when you need them, and helps you smash your money goals.

Wherever you are in your financial journey, level up with Loal! Get the tools you need to build or rebuild your credit profile and start living life on another level.

Introducing the Loal Trust Score
Loal puts your data to work building a personal Loal Trust Score, giving you a clear picture of your true financial situation and moving you up and along the credit ladder.

The more Loal knows about your long-term money goals and your current financial situation, the more Loal can offer and the faster you can build your credit profile. Get guidance on how to improve your Loal Trust Score and move onwards and upwards towards greater financial stability.

Access cheaper and cheaper credit services
Access more affordable lending products as you grow. Loal feeds information about your positive financial behaviour to the major credit bureaus, improving your overall credit score.

What’s more, as you unlock new abilities in Loal app, your credit gets cheaper and cheaper - you’ll be able to borrow larger amounts over longer periods and at lower rates.

Step into financial freedom
Download the app. Set your money goals and Loal will help you at every stage of your journey to financial freedom.
Welcome to life on another level!

Representative example
If you borrow £300 over 6 months at 279% per annum (fixed) you would make one repayment of £17.06 and 25 weekly repayments of £21.66. You would repay £558.56 in total. The total cost of credit would be £258.56.

Loan term lengths between 3 and 36 months. Minimum APR 67.97%. Maximum APR 1431.41%. New customers can borrow up to £800 for a term of 6 months. Existing customers can borrow up to £5,000 for a term of up to 36 months. Early repayment options are available and are not associated with any fees or cost. There are no additional fees associated with any of our loans. All loans are subject to status.


When you borrow with Loal, your interest rate will improve, but only if you consistently repay on time. Compared to your Loal Starter, a Loal Plus loan can be up to 86% cheaper.

Missing payments or getting for loans from lenders can damage your affordability status and reduce the chances of Loal being able to lend to you in the future at the lowest rates. Terms and conditions apply. You will be shown varying offers and options when you apply through the Loal app.

If you pay on time, you’ll be rewarded with the option to swap your loan for a new one with a lower interest rate. This means you don’t need to wait until the end of your current loan to access the cheapest price possible. If you’re a perfect payer, meeting your repayment commitments on time, you can swap your loan for a lower rate in as little as 6 weeks.