Personal loans for Jersey and Guernsey residents.
Whether you need to fund a home project, cover a one-off expense, or simply spread the cost of something important, a personal loan from a Channel Islands lender gives you a fixed sum at a fixed rate with predictable monthly repayments. We search the whole market to find the best rate for your circumstances, without affecting your credit score during the comparison.
- Fixed interest rate and fixed repayments make budgeting simple
- Borrow for almost any legal purpose — no need to explain the spending in detail
- Whole-of-market comparison across Channel Islands lenders and specialist providers
- Soft credit check during the search stage protects your credit score
- Funds typically in your account within 48 hours of approval
- Poor credit history? Specialist personal loan lenders are available
Quick facts
No obligation. Soft credit check only.
How it works
Tell us how much you want to borrow
Share the amount, preferred term, and purpose. We run a soft credit check only at this stage.
We compare personal loan rates
We search Channel Islands lenders and specialist providers to find the most competitive rate for your profile.
Funds in your account
Once you accept an offer, funds are typically released within 48 hours. You then make equal monthly repayments over your chosen term.
Who can apply?
- Jersey or Guernsey resident aged 18 or over
- Provable income from employment, self-employment, or other sources
- Both good and poor credit histories considered
- No active bankruptcy or debt relief orders
- Joint applications considered
- Applications from those on low incomes considered on a case-by-case basis
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common questions
Almost any legal purpose. Common uses include home improvements, car purchases, holidays, weddings, medical costs, and debt consolidation.
Your rate depends on your credit profile, loan amount, and term. We will show you the exact rate available to you after a soft credit check — no commitment required.
Most personal loans allow early repayment. Some lenders charge a small fee, typically equivalent to one or two months' interest. We will flag any early repayment charges before you commit.
A personal loan gives you a fixed sum at a fixed rate, repaid over a fixed period. A credit card is revolving credit with variable balances. Loans are usually cheaper for larger, planned borrowing.
Our initial comparison uses a soft credit check, which does not affect your score. A full credit check is only run when you formally apply with a chosen lender.
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.
Secure application
Apply Online
Complete your full loan application below. Your information is handled securely and sent directly to our team.
Almost done — press Send
We've opened an email in your mail app with your application details. Just press Send to submit it, and a member of our team will review it and contact you within one business day to discuss next steps.
Something went wrong. Please try again or email info@nowagogo.com.
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.
Almost done — press Send
We've opened an email in your mail app with your details. Just press Send to complete your request, and a member of our team will call you back within one business day.
Something went wrong. Please try again or email us at info@nowagogo.com.