Jersey & Guernsey Loan Experts
Compare Loans Across Jersey and the Channel Islands.
One enquiry, several lenders — across Jersey, Guernsey and the wider Channel Islands. No credit check to enquire, decisions often within days.
- Several lenders compared — not just one lender
- No credit check to enquire — comparing won't touch your credit file
- Decisions often within days, funds soon after approval
- Poor credit history? We still have options for you
Trusted by Jersey & Guernsey borrowers
1 day
Call back within
No
Credit check to enquire
Several
Lenders compared
Poor credit
Options available
1 day
We call you back within
Several
Lenders compared
No
Credit check to enquire
Poor credit
Options available
Simple process
Three steps to your loan
Tell us what you need
Complete a short form or request a call back. No credit check at this stage.
We search the market
We compare rates from banks, private lenders, and finance companies across the Channel Islands.
You receive your funds
Once approved, funds are typically released within days, depending on the lender. We handle the paperwork.
No obligation. No credit check to enquire. No credit check to enquire.
What are you looking for?
Every type of lending, across Jersey and Guernsey
For Your Home
Whether you are buying your first home in St Helier or releasing equity from a property in St Brelade, we connect you with lenders who understand the Channel Islands property market.
- Property Purchase Loans
- Remortgage
- Buy-to-Let Mortgages
- Home Improvement Loans
- +5 more
For Your Car
From a new car in St Peter Port to a used vehicle in St Clement, we find competitive car finance rates from lenders across the Channel Islands.
- New Car Loans
- Used Car Finance
- Motorcycle Loans
- Boat & Leisure Vehicle Loans
- +1 more
For Your Business
From working capital to commercial property, we help Jersey and Guernsey businesses access the funding they need to grow, invest, and manage cash flow.
- Business Loans
- Working Capital Loans
- Business Asset Finance
- Equipment Financing
- +4 more
Personal
Whatever you need to fund — from a wedding in Trinity to debt consolidation in the Vale — we search the whole Channel Islands market to find your best personal loan rate.
- Personal Loans
- Debt Consolidation Loans
- University Tuition Loans
- Wedding Loans
- +3 more
Borrowing in Guernsey?
Guernsey has its own lenders, its own housing rules and its own regulator — a Jersey product page will not answer for the Bailiwick.
What our clients say
Trusted by borrowers across Jersey and Guernsey
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"We were trying to buy our first home in St Saviour and had been turned down by our own bank. Best Loans Jersey found us a lender within 48 hours and the mortgage was approved two weeks later. The whole process was straightforward and the team explained everything clearly."
Matthew Le Brun
Property Purchase · St Saviour, Jersey
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"I remortgaged my property in St Brelade through Best Loans Jersey and saved over £200 a month on my repayments. They searched the whole market rather than just pushing me towards one lender. I only wish I had done it sooner."
Claire Baudains
Remortgage · St Brelade, Jersey
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"Used Best Loans Jersey to fund a kitchen extension in St Clement. The home improvement loan was approved in under 48 hours and the funds were in my account before the builder even started. Really efficient service."
Tom Voisin
Home Improvement Loan · St Clement, Jersey
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"I was initially nervous about equity release but the team at Best Loans Jersey were patient and honest about how it worked. They introduced me to a regulated specialist who answered all my questions. The process took about 7 weeks and I am very happy with the outcome."
Anne-Marie Le Marquand
Equity Release · St John, Jersey
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"I needed a bridging loan to secure a property in St Martin while my house in St Lawrence was on the market. Best Loans Jersey arranged the bridge in 8 working days. The rate was competitive and the advice was clear. The property is now mine."
James Ahier
Bridging Loan · St Martin, Jersey
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"Found a rare building plot in Trinity and needed to move fast. Best Loans Jersey arranged land purchase finance within 10 days. The lender understood local planning rules, which made a big difference. Highly recommend."
Sophie Robilliard
Land Purchase · Trinity, Jersey
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"Bought a holiday cottage in St Ouen through Best Loans Jersey. The team found a lender who understood the local holiday let market and was comfortable with the property's restricted status. Took a little longer than I expected but the outcome was excellent."
David Bisson
Holiday Home Loan · St Ouen, Jersey
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"Best Loans Jersey helped us finance a property in France while living in Jersey. I had no idea who to approach for overseas finance and they knew exactly which lenders to speak to. The whole thing was handled professionally from start to finish."
Rachel Pirouet
Overseas Property Loan · St Helier, Jersey
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"Remortgaged in Grouville after being on the standard variable rate for two years. Best Loans Jersey found me a deal that cut my monthly payment by nearly £180. The soft credit check meant my score was not affected while I was comparing options."
Philip Renouf
Remortgage · Grouville, Jersey
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"We needed a home improvement loan for a new roof in St Peter. Best Loans Jersey turned around an approval in 36 hours. The rate was better than what our own bank offered us and the repayments are very manageable."
Louise Journeaux
Home Improvement Loan · St Peter, Jersey
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"Got a new car loan through Best Loans Jersey for a car from a dealer in St Helier. The rate was lower than the dealer's own finance and the funds were in my account the next day. Really painless process."
Callum Le Feuvre
New Car Loan · St Helier, Jersey
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"I bought a used car from a private seller in St Lawrence and needed finance quickly. Best Loans Jersey had the funds in my account within two days. They also found a rate I could not match anywhere else on the island."
Emily Bertram
Used Car Finance · St Lawrence, Jersey
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"Financed a motorcycle through Best Loans Jersey. The whole thing was done online and I barely had to do anything. The rate was fixed for the full term so I know exactly what I am paying each month."
Mark Querée
Motorcycle Loan · St Mary, Jersey
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"Best Loans Jersey helped me finance a motorboat moored at St Helier Marina. I had no idea marine finance worked differently from car finance and the team explained everything. Very knowledgeable and genuinely helpful."
Natasha Pallot
Boat Finance · St Helier, Jersey
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"Refinanced my car loan through Best Loans Jersey and now pay £85 less a month. My credit score had improved since I took out the original finance and they found me a much better rate. Wish I had done it earlier."
Andrew Le Couilliard
Vehicle Refinance · St Saviour, Jersey
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"I had a poor credit history and was not sure I could get car finance. Best Loans Jersey found a specialist lender who said yes when everyone else had said no. The rate is not the cheapest available but it is fair and I can afford it comfortably."
Harriet Noel
Used Car Finance · St Brelade, Jersey
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"Got a new car loan through Best Loans Jersey for an electric vehicle. The process was quick and the team were helpful in explaining the different loan options. My only slight issue was a short delay in getting the paperwork but it was sorted promptly."
Oliver Marett
New Car Loan · St Clement, Jersey
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"Applied for a business loan to expand our retail unit in St Helier. Best Loans Jersey found a lender who understood Jersey business structures and turned around a decision in 48 hours. The rate was competitive and the whole process was far quicker than going to a high street bank."
Gareth Mourant
Business Loan · St Helier, Jersey
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"Our hospitality business in St Brelade had a seasonal cash flow issue and we needed working capital fast. Best Loans Jersey connected us with a lender who understood seasonal businesses and structured the repayments around our peak months. Excellent service."
Fiona De La Mare
Working Capital Loan · St Brelade, Jersey
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"Needed to finance new catering equipment for our restaurant in St Peter Port. Best Loans Jersey found an equipment finance deal where the lender paid our supplier directly. The equipment was installed within a week of applying."
Richard Le Herissier
Equipment Finance · St Peter Port, Guernsey
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"Best Loans Jersey helped us buy our commercial premises in the Vale instead of renting. The commercial mortgage rate was comparable to our rent and now we are building equity rather than paying a landlord. Transformative for our business."
Caroline Ozanne
Commercial Property Finance · Vale, Guernsey
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"We needed fleet finance for 6 company vans in Guernsey. Best Loans Jersey bundled them into a single facility and the rate per vehicle was better than individual finance. A few admin questions took a bit of time to resolve but the outcome was excellent."
Simon Gallienne
Fleet Finance · St Sampson, Guernsey
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"Invoice discounting through Best Loans Jersey has completely changed our cash flow. We used to wait 60 days for clients to pay. Now we have access to 85% of each invoice value within 24 hours. Our suppliers are paid on time and our stress levels are much lower."
Julia Naftel
Invoice Discounting · Castel, Guernsey
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"Had a payroll shortfall one month when a large client paid late. Best Loans Jersey arranged a payroll loan within 24 hours. My team were paid on time and no one was any the wiser. Will definitely use them again if we need to."
Peter Sarre
Payroll Loan · St Andrew, Guernsey
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"Business asset finance through Best Loans Jersey allowed us to acquire two new dental chairs for our practice in St Peter Port. The lender had experience with healthcare equipment which made the process much smoother. Would strongly recommend."
Emma De Garis
Business Asset Finance · St Peter Port, Guernsey
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"Started a construction business in Jersey and needed equipment finance as a new company. Best Loans Jersey found us a lender who was willing to consider a start-up with a solid business plan. We had our machinery within three weeks of applying."
Nicholas Laine
Equipment Finance · St John, Jersey
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"Working capital loan arranged through Best Loans Jersey kept our recruitment business running during a slow January. The team were efficient and understood our situation without needing lengthy explanations. Slight delay on one document request but nothing major."
Sarah Le Tissier
Working Capital Loan · Forest, Guernsey
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"Best Loans Jersey found us invoice factoring that included credit control. This freed up our finance manager to focus on more valuable tasks. Our cash position improved within the first month of setting it up."
Alan Mauger
Invoice Factoring · Torteval, Guernsey
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"We bought the freehold of our office in St Helier using a commercial mortgage arranged through Best Loans Jersey. The monthly payment is actually less than our previous rent. The team managed the whole process very professionally."
Wendy Perree
Commercial Property Finance · St Helier, Jersey
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"Got a personal loan through Best Loans Jersey to cover a dental implant. I did not want to use my savings and the rate I was offered was very reasonable. The funds were in my account within two days of applying."
Charlotte Buesnel
Personal Loan · St Saviour, Jersey
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"I had credit card debt, an overdraft, and a personal loan all at different rates. Best Loans Jersey consolidated them into one payment that was £160 lower per month than I was paying before. The whole process took less than a week."
Daniel Rabet
Debt Consolidation · St Helier, Jersey
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"My son was going to Bristol University and the States grant did not cover the full cost. Best Loans Jersey helped me find a personal loan to bridge the gap. The process was quick and the team explained every step. My son is now in his second year with no financial worries."
Megan Langlois
University Tuition Loan · St Peter Port, Guernsey
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"We used Best Loans Jersey to fund our wedding at a venue in Trinity. The team found a rate far lower than my credit card and the funds were in our account before we had even confirmed all the suppliers. Brilliant service."
Kieran Falla
Wedding Loan · Trinity, Jersey
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"Took out a loan for laser eye surgery through Best Loans Jersey. The soft credit check meant I could compare options without worrying about my score. The rate I ended up with was much lower than the clinic's own finance package. Slight delay in paperwork but the team were quick to chase it up."
Laura Vibert
Medical Loan · St Lawrence, Jersey
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"Best Loans Jersey found me a debt consolidation loan even though I had a couple of missed payments on my record. The specialist lender they introduced me to was fair and the rate was manageable. My monthly outgoings are now £130 less than before."
Thomas Gavey
Debt Consolidation · St Clement, Jersey
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"Funded our daughter's university accommodation through Best Loans Jersey. The States funding covered tuition but not living costs. The loan was arranged quickly and at a rate we were happy with. Really pleased with the service."
Isabelle Le Gresley
University Tuition Loan · Grouville, Jersey
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"Used Best Loans Jersey for a personal loan to cover unexpected car repairs. The amount I needed was relatively small but they still found me a competitive rate. Process was efficient. Would have preferred a slightly longer repayment term option but overall very good."
Ben Gallichan
Personal Loan · St Mary, Jersey
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"Best Loans Jersey helped me fund a cosmetic procedure I had been putting off for years because of the cost. The loan was affordable, the team were discreet and professional, and the funds arrived before my appointment date. Exactly the service I needed."
Nicola Dorey
Cosmetic Surgery Loan · St Brelade, Jersey
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"Fantastic service from start to finish. I used Best Loans Jersey to fund my wedding and honeymoon to Madeira. The rate was fixed so I always knew what I was paying. Paid off the loan last month and the whole experience was very positive."
Rhys Pallot
Wedding Loan · St Ouen, Jersey
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"Brilliant team. I needed a personal loan for home improvements in St Martin and Best Loans Jersey found a better rate than I had found myself after hours of searching. The soft credit check means your score is not hit while you are still deciding."
Kate De Carteret
Personal Loan · St Martin, Jersey
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"Used Best Loans Jersey to consolidate some old debts that were costing me a fortune in interest. The new single payment is far lower and I can see a clear end date for the first time. I felt the team genuinely wanted to help rather than just sell me a product."
Henri Maindonald
Debt Consolidation · St Peter Port, Guernsey
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"My daughter needed private orthodontic treatment and the cost was significant. Best Loans Jersey arranged a medical loan within 48 hours at a rate we were comfortable with. The team were kind, efficient, and answered every question I had."
Annette Ozanne
Medical Loan · Vale, Guernsey
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"Got a personal loan through Best Loans Jersey for a holiday I had been planning for years. Not the most usual use of a loan but the rate was reasonable and the process very simple. Would have liked a slightly faster initial response but the team were helpful once contacted."
Stuart Hamon
Personal Loan · St Sampson, Guernsey
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"I was sceptical about going through an introducer rather than a bank directly but Best Loans Jersey found me a better rate than I was offered by my own bank. The process is straightforward and the team keep you informed throughout."
Jodie Brouard
Personal Loan · St Peter Port, Guernsey
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"Used Best Loans Jersey for a wedding loan and the experience was excellent. They found us a lower rate than the wedding venue's own payment plan and the repayments fit comfortably in our budget. Our wedding in Guernsey was everything we wanted."
Marcus Fry
Wedding Loan · Castel, Guernsey
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"Best Loans Jersey helped me get a personal loan despite having had a defaults a couple of years ago. The specialist lender they found was fair and professional. My rate is not the lowest possible but given my history it was much better than I expected."
Victoria Le Page
Personal Loan · St Andrew, Guernsey
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"Used the service for a debt consolidation loan after my divorce left my finances in a complicated state. Best Loans Jersey were sensitive and non-judgmental. They found a lender willing to work with my situation. Monthly outgoings are much more manageable now."
Christopher Vaudin
Debt Consolidation · St Pierre du Bois, Guernsey
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"My first time using a loan broker and I was impressed. Best Loans Jersey explained the difference between products, ran a soft credit check, and came back with three options within 24 hours. I felt in control of the decision the whole time."
Alicia Queripel
Personal Loan · Forest, Guernsey
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"The team at Best Loans Jersey found me a university loan for my son's second year at Edinburgh. Jersey students fall through the cracks with UK student finance and it can be stressful. Best Loans Jersey knew exactly how to help and were very efficient."
Jason Lihou
University Tuition Loan · Torteval, Guernsey
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"Best Loans Jersey arranged a medical loan for a procedure I had been putting off for three years. The funds arrived in 36 hours. I wish I had contacted them sooner. Professional, quick, and the rate was genuinely competitive."
Paula Le Noury
Cosmetic Surgery Loan · St Martin, Jersey
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"Took out a personal loan to fund home decorating and some new furniture. Small loan by some standards but Best Loans Jersey treated the application just as professionally as any bigger enquiry. The rate was fair and the process was fast."
Gareth Priaulx
Personal Loan · St Peter Port, Guernsey
Why Best Loans Jersey
Several lenders. Working for you.
Independent advice
We are not tied to any single lender. We compare options from several lenders across Jersey and Guernsey to find your best rate.
No credit check to enquire
We check your eligibility without leaving a mark on your credit file.
Fast decisions
Many clients receive a lending decision within days of applying, depending on the lender. We call you back within one business day.
Poor credit welcome
We work with specialist lenders who consider applicants that high street banks have declined.
Jersey & Guernsey
We cover both bailiwicks — from St Helier and St Brelade through to St Peter Port and the Vale — with lenders who understand island valuations and how the two property markets differ.
Free Jersey property data
Jersey homes cost 26% less of a salary than they did in 2022
Not less in pounds — less in wages. Measuring the House Price Index against local earnings strips out inflation and pay growth and leaves the number that decides whether buying is actually harder than it used to be. It peaked in 2022 and has been falling since.
We publish the whole series back to 1990, alongside what Jersey actually borrowed each year, free to read and free to reuse.
See the data- Ratio in 2022
- 170.8
- Ratio in 2025
- 126.1
- Jersey mortgage lending, 2025
- £304.0m
- every property loan passes through the Royal Court
Financial guides
Free guides for Channel Islands borrowers
Plain-English advice on loans, mortgages, and finance — written for Jersey and Guernsey residents.
Bad Credit Car Finance in Jersey: What Lenders Look At
A poor credit history does not rule out car finance, but it changes the price and the terms. What lenders check, what helps, and how to avoid paying far more than you need to.
Car Finance for New Arrivals in Jersey: What to Do First
If you have just moved to Jersey with a car, or are about to buy one, the order of steps matters. Residential status, the car's import costs and the finance already on it all come first.
Mis-Sold Car Finance in Jersey: How to Complain Through CIFO
The UK car finance redress scheme does not reach the islands. Here is the route that does: your complaint to the lender, the three-month wait, and the Channel Islands Financial Ombudsman.
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