Jersey & Guernsey Loan Experts

Find the Right Loan. Fast.

We search the whole Channel Islands market to get you the best rate — without impacting your credit score. Most applications approved within 48 hours.

  • Whole of market comparison — not just one lender
  • Soft credit check only — your score is protected
  • Decisions within 48 hours, funds shortly after
  • Poor credit history? We still have options for you

Trusted by Jersey & Guernsey borrowers

48hrs

Typical approval

No impact

Soft credit check

Whole mkt

All lenders

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 48 hours. We handle the paperwork.

No obligation. Soft credit check only. No impact on your credit score.

What our clients say

Trusted by borrowers across Jersey and Guernsey

  • 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, St Saviour, Jersey — Property Purchase
  • 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, St Brelade, Jersey — Remortgage
  • 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, St Clement, Jersey — Home Improvement Loan
  • 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, St John, Jersey — Equity Release
  • 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, St Martin, Jersey — Bridging Loan
  • 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, Trinity, Jersey — Land Purchase
  • 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, St Ouen, Jersey — Holiday Home Loan
  • 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, St Helier, Jersey — Overseas Property Loan
  • 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, Grouville, Jersey — Remortgage
  • 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, St Peter, Jersey — Home Improvement Loan
  • 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, St Helier, Jersey — New Car Loan
  • 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, St Lawrence, Jersey — Used Car Finance
  • 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, St Mary, Jersey — Motorcycle Loan
  • 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, St Helier, Jersey — Boat Finance
  • 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, St Saviour, Jersey — Vehicle Refinance
  • 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, St Brelade, Jersey — Used Car Finance
  • 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, St Clement, Jersey — New Car Loan
  • 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, St Helier, Jersey — Business Loan
  • 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, St Brelade, Jersey — Working Capital Loan
  • 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, St Peter Port, Guernsey — Equipment Finance
  • 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, Vale, Guernsey — Commercial Property Finance
  • 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, St Sampson, Guernsey — Fleet Finance
  • 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, Castel, Guernsey — Invoice Discounting
  • 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, St Andrew, Guernsey — Payroll Loan
  • 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, St Peter Port, Guernsey — Business Asset Finance
  • 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, St John, Jersey — Equipment Finance
  • 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, Forest, Guernsey — Working Capital Loan
  • 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, Torteval, Guernsey — Invoice Factoring
  • 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, St Helier, Jersey — Commercial Property Finance
  • 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, St Saviour, Jersey — Personal Loan
  • 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, St Helier, Jersey — Debt Consolidation
  • 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, St Peter Port, Guernsey — University Tuition Loan
  • 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, Trinity, Jersey — Wedding Loan
  • 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, St Lawrence, Jersey — Medical Loan
  • 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, St Clement, Jersey — Debt Consolidation
  • 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, Grouville, Jersey — University Tuition Loan
  • 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, St Mary, Jersey — Personal Loan
  • 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, St Brelade, Jersey — Cosmetic Surgery Loan
  • 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, St Ouen, Jersey — Wedding Loan
  • 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, St Martin, Jersey — Personal Loan
  • 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, St Peter Port, Guernsey — Debt Consolidation
  • 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, Vale, Guernsey — Medical Loan
  • 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, St Sampson, Guernsey — Personal Loan
  • 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, St Peter Port, Guernsey — Personal Loan
  • 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, Castel, Guernsey — Wedding Loan
  • 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, St Andrew, Guernsey — Personal Loan
  • 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, St Pierre du Bois, Guernsey — Debt Consolidation
  • 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, Forest, Guernsey — Personal Loan
  • 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, Torteval, Guernsey — University Tuition Loan
  • 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, St Martin, Jersey — Cosmetic Surgery Loan
  • 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, St Peter Port, Guernsey — Personal Loan

Why Best Loans Jersey

The whole market. Working for you.

01

Independent advice

We are not tied to any single lender. We search the full Channel Islands market to find your best rate.

02

Soft credit check

We check your eligibility without leaving a mark on your credit file.

03

48-hour decisions

Most clients receive a lending decision within 48 hours of submitting their application.

04

Poor credit welcome

We work with specialist lenders who consider applicants that high street banks have declined.

05

Jersey & Guernsey

We serve clients across both islands, with lenders who understand the local property and finance markets.

Ready to take the next step?

Complete a full application online or request a call back and we will do the searching for you.

No obligation. Soft credit check only.

Free, no-obligation

Request a Call Back

Leave your details and a member of our team will call you back within one business day. No obligation, no credit check.

No obligation. No credit check. We will not share your details with third parties without your permission.