Our personal loan product is available to qualifying homeowners in England and Wales with loan amounts available up to £10,000.  A Step One personal loan is unsecured and designed for customers with a good credit history.  Step One lends for most purposes and has products to suit most customers.

If you are not a homeowner or perhaps your credit history is not pristine you may want to consider our guarantor loan product by clicking here.

Typical Uses

  • Home improvements
  • Car purchase or repairs
  • School fees
  • Wedding
  • Debt consolidation
  • Family holiday

Key Features

  • Competitive loan rates
  • Loan amounts available up to £10,000
  • Repayment periods available from 1 year to 5 years
  • All loans are fixed rate, you know exactly the amount you need to repay
  • No up-front fees
  • No hidden fees. We will always tell you about all of our fees in a clear and transparent manner.

Our lending criteria

  • Minimum loan size £1,000
  • Maximum loan size £10,000
  • Minimum age 21 years
  • Maximum age 70 years
  • Minimum income £18,000
  • Minimum 1 year at current address
  • Loans available to homeowners in England and Wales

Frequently Asked Questions

Answers to commonly asked questions about personal loans can be found by clicking here.

APR

Please note that Step One Finance does not charge up-front fees for any loan enquiries or applications. You should be wary of any parties purporting to arrange a Step One Finance loan who are seeking to charge up-front fees. Please contact us if you have any doubts regarding a Step One Finance loan application. Customers can also obtain additional information on the FCA’s website on the dangers of Loan Fee Fraud by clicking here.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT IF YOU ARE EXTENDING THE TERM OF THE DEBT YOU MAY BE INCREASING THE TOTAL AMOUNT YOU NEED TO REPAY.

CTA

Find the perfect loan call us now on 01483 661 100 or Contact us