Lenders have minimal loans - most banks won't lend lower than £1,000 or for lower than a 12 months, so an unsecured loan will not be suitable if you happen to're looking to borrow a small quantity. As a lender, we are clear as possible with each our charges and our enterprise model, so there is not any confusion or surprising costs for you. Joint and co-signed personal loans are choices for individuals who don't qualify on their very own.