Your Personal Loan, Sorted!
Quick, easy loans from ยฃ500. Apply online and hear back from us within 24 hours.
Apply todayYour loan approved in 3 steps
A three-step, hassle-free application journey With Oracle, you'll have someone to guide you every step of the way.
How much do you need?
Use our handy Loans Calculator to work out what you can borrow.
Get approval within 24 hours
Once we receive your application, we will come back to you within a day.
What can I use my personal loan for?
Here are some of the things you can take out a loan for. Call us if you have a question!
Buying a car
Home improvements
Dream wedding
Your next holiday
Unexpected bills
Urgent repairs
Education costs
Medical expenses
What our clients say about us
Our feedback on making loans easy and accessible.
Have a question about personal loans?
We get asked these questions a lot, so we've popped them here so you know the answers. If you need more detail, we're always here to help.
Are lump sum payments accepted/can overpayments be made?
Yes, you can make additional payments on top of your regular loan repayments.
What happens if I miss my payment?
You are responsible for making payments on time. If a payment is missed, we will contact you.
What happens if I am unable to make/afford payments?
If you’re facing difficulties, inform us so we can reassess your situation and possibly arrange a new payment plan.
Are there any early repayment charges?
If you settle early, we rebate interest due after settlement, minus a penalty of one month’s interest for terms under 12 months, or two months’ interest for longer terms.
What is your maximum term?
For loans around ยฃ10,000, the maximum term is 84 months. The term depends on the borrowed amount.
What is the maximum I can borrow?
The amount you can borrow depends on the loan’s purpose, your affordability, and our criteria. Loans above ยฃ25,000 must be secured against a Guernsey property.
What are your rates?
Our rates vary based on the borrowed amount and current market conditions.