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£

Over how many months?

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Representative APR

59.9 %

Total repayable

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( It won’t affect your credit score )

Representative 59.9 % APR

Representative example

Borrowing £2,000 over 24 months at Representative 59.9% APR and Interest rate 59.9% p.a. (fixed) with monthly repayments of £131.05 and a total amount payable of £3,145.20. This example is for illustration purposes only. The rate and / or term you are offered is dependent on your individual circumstances Rates from 39.9% APR to maximum 89.9% APR. Loan terms from 12 to 36 months.

£4000 Loans

If you’re looking for a £4000 loan, then it may be that a low credit rating and a poor credit history have previously been barriers to you accessing the finance you need.

There are a great number of reasons why you may wish to apply for quick loans of up to £4000. A £4000 loan is ideal for planned purchases, from buying a new car to financing some necessary home improvements. If you require a £4000 loan, bad credit isn’t necessarily a barrier, and Likely Loans may be able to help you. In fact, you may even improve your credit score as long as you repay the loan in full and don’t miss payments.

We offer a £4000 loan for people with bad credit, so you can borrow £4000 to help with everything from home improvement to consolidating your existing debts. Checking your eligibility is quick and simple. Your credit score won’t be affected when you apply for a quote and you’ll easily be able to see useful information like the fixed monthly repayments on your £4000 loan, allowing you to make an informed choice.

How Do I Apply?... 3 steps, that’s it!

When applying for one of our unsecured personal loans there are three simple steps to follow:

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1. Tell us a little bit about you

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2. Get an instant response

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3. Money next working day

Why Choose Likely Loans for a £4000 Loan?

There are a number of additional reasons why Likely Loans could be a top choice for online loans up to £4000, including:

  • No obligation quotes that don’t impact on your credit score

  • You can pay your loan back early without any extra charges

  • No additional fees are charged on your £4000 loan, and rates are clear and upfront

  • You can manage your loan and make monthly payments online

Frequently answered questions

Can I borrow a £4000 loan with a bad credit score?

With the ability to shop around online for different types of loans, getting rejected by your bank isn’t necessarily a problem as lenders like Likely Loans may be able to give you access to bad credit loans despite a low credit score. We understand that your financial history may not reflect your position now, so when applying for a £4,000 loan with bad credit, lenders will look at your current financial situation and other indicators to decide whether you’ll be able to afford the fixed monthly repayments on the loan.

If you’re worried about being rejected because of your bad credit history, you can check your eligibility with us without affecting your credit score. We do soft search credit checks which mean your credit history won’t be affected at this stage. We do soft search credit checks which means your credit file won’t be affected at this stage. Simply enter a loan amount and term into our online loans calculator with a few of your details to receive your personalised loan quote.


Can I get a £4000 loan without a guarantor?

Yes. We offer unsecured loans which mean you neither need to secure your loan against your assets nor need someone else to be a guarantor as part of your application.

Can I use a £4000 loan to pay off other debts?

Of course, you can use the loan for things like car finance to home improvements, and debt consolidation can often be a good choice depending on your circumstances. However, we encourage you to work out if consolidation loans financially make sense as sometimes spreading the repayments of a larger amount over a longer-term can mean you pay more interest.

What is the criteria to get a £4000 loan?

As with most loan providers, you’ll need to be over 18, a UK resident, employed and have a bank account and debit card to complete a loan application. In terms of income, you should be able to comfortably afford monthly payments from your regular income - for example, as a guide, £700 per month would be a minimum. We’ll look at your credit history and personal finances before making our decision.

How long will it take before receiving the £4000 loan?

Applying for any loan with Likely Loans is quick and simple and find out if you’re eligible within minutes. After that, once your application goes through the required checks, if you are approved you could have your money in your bank account by the next working day.

How much will a £4000 loan cost?

Your total amount repayable is dependent on how long it takes you to repay the loan and the APR you’re offered which is based on your personal circumstances, amount and repayment period. As an example, if you’re given the representative APR of 59.9% rate and repay regularly over 12 months, your total cost would be £5,111.88, while 24 months would go up to £6,290.64.

What is an APR?

APR is the annual percentage rate and important for calculating the cost of money borrowed. Interest rates, fees, how often it’s charged and all other costs contribute to the APR. Representative APR is the APR we’ll offer to at least 51% of people who are accepted - it’s not a guarantee. The remaining customers that are also accepted will be offered a different APR than the one advertised based on individual circumstances.

Please note, the APR offered is based on your personal situation and is dependent on many different factors. As such the APR offered may be different to the representative APR.

Will I pay a higher rate if I have bad credit?

Yes, you might. As a lender, we offer our representative APR of 59.9% to a minimum of 51% of customers who are accepted for a loan. If you have bad credit, you may be charged a different rate.

What repayment terms are available for £4000 loans?

For a £4,000 loan, you can borrow from 12 to 36 months.

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Get a Quick Quote for a £4000 Loan

Our loans up to £4000 are unsecured loans, so you don’t need to be a homeowner to apply. For your personalised quote, we’ll just need a few personal details in order to provide you with an instant response on your eligibility. From here, you’ll be shown the monthly repayments on a £4000 loan, as well as a breakdown of any interest payments.

Once your loan application is sent and completed, the money could be in your bank account as soon as the next working day.

Apply for a £4000 Loan Today

Contact us for more information about our £4000 loans or apply today.

( It won’t affect your credit score )

Representative 59.9 % APR