Loans for Self-Employed People — Compare UK Lenders

Self-employed? Compare FCA-regulated lenders that accept self-employment income.

Being self-employed can make it harder to get a loan — many high-street lenders require payslips and a fixed salary. But several FCA-regulated lenders on our panel accept self-employment income, freelance earnings, and sole trader accounts.

You'll typically need to demonstrate consistent income (usually via 3–6 months of bank statements or self-assessment returns). Affordability is assessed on your actual income — not your employment status.

Under FCA rules, lenders must conduct responsible affordability checks. This protects self-employed borrowers from taking on debt they can't sustain.

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★ BEST RATE
118118 Money
118118 Money
Short-term loan⚡ 2–24 hours
Nudge Score
9
Rep APR
49.9%
Loan Range
£1,000–£8,000
Term
1–5 years
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £1,000 over 18 months. Rep APR 49.9%. Monthly repayment £68. Total repayable £1,224.
Drafty
Drafty
Short-term loan⚡ Minutes
Nudge Score
8
Rep APR
79.9%
Loan Range
£50–£3,000
Term
1–3 years
Bad Credit
✓ Accepted
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Representative example: Borrow £500 over 12 months. Rep APR 79.9%. Monthly repayment £53. Total repayable £636.
Creditspring
Creditspring
Short-term loan⚡ Same day
Nudge Score
8
Rep APR
83.1%
Loan Range
£400–£2,400
Term
6–12 months
Bad Credit
✓ Accepted
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Representative example: Borrow £500 over 12 months. Rep APR 83.1%. Monthly repayment £55. Total repayable £660.
Cashfloat
Cashfloat
Short-term loan⚡ Same day
Nudge Score
6
Rep APR
611.7%
Loan Range
£300–£1,500
Term
3–9 months
Bad Credit
✓ Accepted
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Representative example: Borrow £400 over 6 months. Rep APR 611.7%. Monthly repayment £105. Total repayable £630.
Money Platform
Money Platform
Short-term loan⚡ Instant
Nudge Score
6
Rep APR
839.2%
Loan Range
£250–£1,000
Term
3–6 months
Bad Credit
✓ Accepted
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Representative example: Borrow £300 over 3 months. Rep APR 839.2%. Monthly repayment £145. Total repayable £435.
Lending Stream
Lending Stream
Short-term loan⚡ 90 seconds
Nudge Score
5
Rep APR
1,271%
Loan Range
£50–£1,500
Term
4–6 months
Bad Credit
✓ Accepted
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Representative example: Borrow £300 over 6 months. Rep APR 1271%. Monthly repayment £107. Total repayable £642.
Moneyboat
Moneyboat
Short-term loan⚡ Same day
Nudge Score
5
Rep APR
1,267%
Loan Range
£200–£1,500
Term
3–6 months
Bad Credit
✓ Accepted
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Representative example: Borrow £400 over 6 months. Rep APR 1267%. Monthly repayment £143. Total repayable £858.
QuidMarket
QuidMarket
Short-term loan⚡ Same day
Nudge Score
4
Rep APR
1,299%
Loan Range
£300–£1,500
Term
3–12 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £500 over 6 months. Rep APR 1299%. Monthly repayment £182. Total repayable £1,092.

Independent loan comparison. Rates shown are representative; your actual rate depends on circumstances.

Frequently asked questions

Can I get a loan if I'm self-employed?
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What income proof do I need for a self-employed loan?
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Will being self-employed affect my interest rate?
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Can I get a self-employed loan with bad credit?
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How much can I borrow as a self-employed person?
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