Quick Answer
Revolut personal loans are available to UK residents aged 18+. Check their representative APR and compare with other lenders before applying. Use a soft eligibility check first — it won't affect your credit score.
- Soft-search eligibility checkers first, then apply once
- Representative APR binds only 51% of borrowers — your rate may differ
- Early repayment is a legal right and almost always saves money
Beyond the Basics
Match the borrowing tool to the purchase: 0% purchase cards beat loans for short-term spending, overdrafts suit genuine one-month gaps, and loans win for larger, multi-year borrowing. The cheapest product depends on amount and duration, not habit.
Read 'representative' as 'maybe'. Only 51% of accepted borrowers must get that rate — the rest can be charged substantially more. Compare your quoted rates, not advertised ones.
Soft-search eligibility checking changed the game: check eligibility (soft search) across the market first, apply once, to the best-matched lender. Every unnecessary hard search makes the next lender warier.
Revolut Personal Loans — Review 2025
This independent review covers Revolut's personal loan products, including representative APR, loan amounts, eligibility, and how they compare to competitors.
Revolut Loan — Key Facts
| Feature | Detail |
|---|---|
| Loan amounts | £1,000–£50,000 (varies) |
| Representative APR | Check Revolut directly for current rate |
| Repayment terms | 1–7 years |
| Eligibility check | Soft search available (no credit impact) |
| Decision speed | Often instant to 48 hours |
| FCA regulated | Check FCA Register ↗ |
How to Apply for a Revolut Loan
- Use Revolut's online eligibility checker (soft search — no credit impact)
- If pre-approved, complete the full application
- Provide required documents (payslips, bank statements, photo ID)
- Receive a decision (often instant for existing customers)
- Funds paid into your account (usually within 24–48 hours)
Compare Revolut vs Competitors
Before applying with Revolut, compare rates from other lenders:
Frequently Asked Questions
Representative APR only has to be offered to just over half of accepted applicants. Nearly half of borrowers pay more — which is why a soft-search personalised quote matters.
There's no single threshold — each lender scores differently. Above ~880 on Experian you'll see most advertised rates; below that, use eligibility checkers before applying.
Unsecured protects your home but costs more and caps around £25–50k. Only secure debt against your home when the rate saving is decisive and payments are certain.
Yes — the Consumer Credit Act guarantees it. Lenders can charge a small settlement fee, but early repayment almost always saves money overall.
Don't reapply immediately. Get your credit reports (all three bureaus are free), fix errors, register on the electoral roll, and wait 1–3 months before trying a better-matched lender.
A longer term lowers the monthly payment but raises total interest substantially. Match the term to the life of what you're buying.
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