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- Large Loans
Large personal loans from 8.2% APR
Looking for a large unsecured personal loan to fund a big project? Zable offers unsecured personal loans up to £25,000 from 8.2% APR, repayable over 1 to 5 years. Check your personal rate in minutes with a soft search and no impact on your credit score.
Representative example:
What can I use a large loan for?
There’s a variety of reasons someone might want to take out a large loan. This includes things like:
Significant home renovations, such as new kitchens, bathrooms, floors or refurbishment
Consolidating multiple debts where you have multiple loans or credit cards and want to simplify and potentially reduce interest payments with a single loan
Purchasing a new car outright rather than using hire purchase (HP), personal contract purchase (PCP) or finance from a dealer
A major life event like a wedding which might involve costs like a venue, music, food, travel and more.
How to get a loan with Zable in 3 steps
Applying for a loan with Zable can be done in 3 steps:
Quick eligibility check
See your personalised rate in minutes without affecting your credit score.
Choose your loan
Select a loan amount from £1,000 to £25,000 and repayment term from 1 to 5 years that fits your needs.
Receive your funds
When you’re finished with your application, money is then sent directly to your bank account, usually within the hour.
Unsecured vs secured large loans
Large loans split into two main types, and the choice affects what you can borrow, what you pay, and what's at risk.
Unsecured personal loans
No asset is tied to the loan. You agree to a fixed amount, a fixed term, and a monthly repayment based on your credit profile and affordability. If you fall behind, your credit score will be affected and the lender can pursue the debt, but there's no specific asset they can take. Unsecured loans will often be at a maximum of between £25,000 to £50,000. Zable's loans are unsecured. Read our guide to unsecured loans for more on how they work.
Secured loans
The loan is tied to an asset, usually equity in your home. Because the lender has the asset as security, they can lend higher amounts and sometimes at lower rates, but if you can't keep up the repayments, you risk losing the asset. Secured loans suit people who need to borrow above the unsecured cap or who have weaker credit and own a property. Our guide to secured loans covers them in more detail.
How much does a large loan cost?
Borrowing £25,000 over 5 years at a 11.8% fixed interest rate works out at £563.11 a month, totalling £33,786.60 over the life of the loan. This includes a £450 loan fee and a representative APR of 13.3%.
This is a simplified illustration. The rate you're offered will be based on your personal circumstances and subject to eligibility. The representative example at the top of the page reflects what at least 51% of approved Zable applicants receive.
The cost of any loan, large or small, will change depending on your circumstances. Affordability is a key factor so you will only be offered loan terms that a lender thinks you can afford to repay. The specific repayments will then be affected by the size of the loan and how long the term is. A longer term reduces the monthly payment, but increases the overall cost of the loan.
Things to consider with a large loan
Borrowing a larger amount means a longer financial commitment and a bigger monthly payment, so a few things are worth thinking through before you apply.
Borrow only what you need. The larger the loan, the more interest you pay over the term. A few thousand extra "just in case" can add a significant amount of interest across a 5-year loan.
Affordability matters more than the headline rate. Use the calculator to see the monthly repayment over the term you'd choose, then check it works alongside your rent or mortgage, bills, and any other commitments.
Pick the shortest term you can manage. A longer term lowers each monthly payment but increases the total interest paid. A shorter term saves money overall if you can absorb the higher monthly cost.
Check your credit file before applying. Errors, outdated information, or accounts you don't recognise can trigger an automatic decline on large applications. Spotting them early gives you time to fix them.
Use a soft search first. A soft search shows you the rate you'd realistically be offered without affecting your credit score. Applying directly with a hard search is recorded on your credit file, which can hurt your chances if you're declined.
Check the lender is FCA-authorised. The Financial Conduct Authority maintains a Warning List of unauthorised firms and issued over 2,300 warnings in 2025 alone. Before applying for any large loan, check the lender is on the FCA register.
Can I get a large loan with bad credit?
Larger loans are tough to get with an adverse credit history. The bigger the monthly repayment, the more lenders need to be sure it's sustainably affordable.
At Zable we look at more than your credit score. Securely sharing your bank history through Open Banking during your application gives us a fuller view of your finances, which can improve your chances. The rate you're offered will reflect the full picture, so applicants with weaker credit history are usually offered higher APRs than the headline rate.
If you're unsure where you stand, a soft search returns a result in minutes without harming your credit score. Our loans for bad credit page has more on your options.
Alternatives if you need to borrow more than £25,000
Zable offers unsecured personal loans up to £25,000. If you need more than that, the main routes are:
Secured loans (homeowner loans)
Tied to equity in your home. Higher amounts are available sometimes into six figures and rates can be lower because the lender has security. The trade-off is that your home is at risk if you can't keep up the repayments.
Remortgaging or a further advance
If you have equity and your mortgage allows it, borrowing against your existing mortgage can be cheaper than a separate loan. It also extends the borrowing over the remaining mortgage term, which lowers monthly payments but adds significantly to total interest.
Specialist large-loan brokers
For amounts above £50,000, particularly unsecured, you may need a broker who can place the application with specialist lenders.
Combining options
It’s possible to use a £25,000 unsecured loan alongside another product (a credit card, savings, or a smaller secured loan) rather than taking one very large loan. You should work out the exact costs of each loan and then decide whether you can afford the individual repayments.