Running out of money before payday is stressful, particularly when you’ve got unexpected bills or home repairs to pay for. If this sounds like the situation you’re in, then applying for a 4000 pound loan could be the answer.
You can apply for a 4000 pound loan either directly from a lender or you could work with a broker like us. Working with us is completely free and we take care of all the lender research for you - we’ll match you to the most suitable lender for you.
You can apply for a 4000 pound loan even if you’ve got bad credit.
Top Tip: Taking on debt is the last resort, so make sure you’ve approached family and friends for cash first; they might be able to help you out. If that amounts to nothing, you could always consider these 10 ways you can make cash fast. Remember, taking on debt can cause you serious financial problems if you don’t keep up repayments.
A 4000 pound loan is a loan for £4000 that needs to be repaid, with interest, to the direct lender you borrow it from. These kinds of loans are usually repaid in one lump sum, or paid back in manageable monthly instalments.
Because they’re designed for emergency situations, they’re quick and easy to obtain.
You should only use a 4000 pound loan to fund unexpected or emergency situations, let’s say your car breaks down and the repairs are costly, or your boiler bursts and you need immediate assistance. You should not be using this cash to fund non-essential purchases such as new clothes, restaurant meals or a night out.
If you’re struggling to manage your debt, you can get free, impartial advice at any time from the Money Advice Service.
Yes, you might be eligible to borrow £4000 if you meet the following criteria for a direct lender:
There are two ways you can secure a 4000 pound loan. You can go directly to the lender’s website and apply for a loan online, or you can apply through our site. We’re a broker, which means our services are completely free of charge for you to use. We give you an instant decision and then match you with suitable lenders.
All the heavy lifting is done for you, simply fill in our form, tell us how much you want to borrow, how long you need it for and the reason for the loan to get started. It’s as simple as that.
Remember: ThisLender, and the lenders on our panel, are authorised and regulated by the Financial Conduct Authority (FCA).
No. No applicant is guaranteed a 4000 pound loan. The lender will take your current circumstances into account when deciding whether to lend to you or not.
If you improve your credit score, you’re more likely to be accepted for a loan. And improving your score doesn’t have to be complicated, small changes you can make including registering yourself on the electoral roll. For more simple credit-boosting tips check out this article by Experian for tips to improve your credit score.
No, all UK lenders will need to conduct credit checks on every applicant, it’s part of their process.
Remember: ThisLender will not perform a credit check; lenders will complete a soft search during the application process. If you accept a lender’s loan offer, they will perform a hard credit search.
Yes, there are lenders who will let you borrow £4000 over 3 years (36 months). However, ThisLender only partners with direct lenders that offer loan terms up to 2 years (24 months).
If you are looking for the best loan rates on a £4000 loan, you will need to spend some time comparing lenders that suit your needs. Generally, the better your credit score is, the better the rate you will receive. So, think about improving your credit score before applying for credit to help you get the best loan rate for you.
Not necessarily. Applicants can usually secure a short-term loan over a period of months up to two years; this depends on your circumstances and on the lender repayment terms and conditions.
But remember, when you accept the terms of a loan, you need to ensure you have the funds available in your bank account so they can make the repayments as agreed.
Get your free loan quote today
Access from £100 to £5000†APPLY NOW
Representative 97% APR (fixed)
Representative example: Borrow £1000 for 24 months at 24 equal instalments of £77.48. Total amount to repay £1,859.52. Interest £859.52. Annual interest rate 70% (fixed). APR rates range from 45.3% APR. to 1575% Max APR. Your APR rate will be based on your circumstances.
We are not a lender but a licensed credit broker in the UK
Types of Loans & Credit