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10 year loans

Find the right 10 year loan for you

Compare loans from providers across the market

Why compare 10 year loans with MoneySuperMarket?

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It’s quick and easy


You can see all the loans you’re eligible for in one place. This includes the interest rate you’ll be charged and how much the monthly payments will be, plus your chances of being accepted.


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It won’t harm your credit score


We’ll run a ‘soft search’ on your finances so you can see exactly how likely you are to be accepted for each loan. It won’t leave any mark on your credit rating, so you can search stress-free.

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Apply today


Once you’ve compared loans and decided which one is most suitable, click through to the lender to make your application straight away.

Our loan service comes highly rated


At MoneySuperMarket our goal is to provide the best way to find a great loan deal – so comparing with us is quick and easy.


Join thousands of happy customers who’ve found a loan with us.


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Find a 10-year loan with MoneySuperMarket


If you’re looking to invest in a big project like home improvements, a 10 year loan could be suitable. Likewise if you want to consolidate your existing debts taking out a personal loan over 10 years could help spread the costs.

You could opt for a 10 year secured loan - this is where the debt is secured against your property. You might be able to take advantage of lower interest rates compared to short term loans. Plus, because you’re spreading your repayments over a longer period, your monthly repayments will be lower.

Just remember you’ll be charged interest over the 10 year loan period, and the longer you borrow for, the more interest you’ll pay overall.

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Choose from a range of loan amounts

With a pre-approved loan, the deal you see is the deal you get

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    Apply with confidence

    When you’re pre-approved, the loan amount, duration and interest rate are all confirmed

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    Tailored to you

    When you know how much you’ll be able to borrow and how much it will cost, you can choose a loan that’s right for you

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    You’re in safe hands

    This protects your credit score as you’re less likely to be rejected when you apply

Is a 10 year loan right for me?

Getting a 10 year loan is a big commitment – so before you take the plunge, it’s a good idea to carefully weigh up the pros and cons.

  • Advantages

    • A 10 year loan spreads the cost of a big project over a long period, so it’s easier to deal with

    • May mean you can borrow more money than you could over three or five years, with lower interest rates

    • Your monthly repayments will be lower than with a short-term loan

  • Disadvantages

    • A 10-year loan is a long commitment and you could face big early repayment charges if you try to pay it off too soon

    • It could be harder to get approved for a long term loan if you don’t have a high credit score

    • You’ll pay more interest overall than on a shorter loan since you’re borrowing the money for longer




How to apply for a 10 year loan with MoneySuperMarket

We’ll do the hard work – just pick the deal you like best

  • Results

    It doesn’t take long

    Tell us a little about yourself, your finances and the loan you want

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    We’ll browse the market

    We search through the UK’s leading loan providers 

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    Compare loans

    Sort loans by overall cost and your likelihood of being accepted




Once you’ve taken out a 10 year loan, the money is yours and you can do whatever you want with it. Many people use 10 year loans to fund an extension to their home, for example, but there are plenty of other uses too – you could use your loan to consolidate your existing debts, pay for major events like a wedding, or fund your further education. 


When you apply for a 10 year loan, your provider will always run a credit check. It’s still possible to get a long term loan with bad credit, especially if you can secure it against your property, but your credit score will always be taken into account.


It will usually be possible to pay back your 10 year loan early – but your lender may impose an early repayment charge. Be sure to read the terms and conditions before you sign up to any long-term loan so you don’t end up with a nasty surprise later if you want to pay it back early.

When you compare 10 year loans with MoneySuperMarket, we’ll just need some basic information from you – your name and address, your employment details, and your annual income. Searching and comparing loans with us won’t affect your credit score in any way.

But, once you’ve found the loan you want and you make a full application the loan provider will run a full credit check on you before it can accept you for a loan. 

If you can’t afford your repayments, talk to your lender – they should take steps to help you, for example pausing repayments for a few months while you get your finances in order (you’ll still be charged interest over this period), or restructuring your loan to make it more affordable. If you don’t let your lender know and you miss repayments you could be charged big fees and extra interest - and your credit score will be damaged. 


With a 10 year loan, you could be approved to borrow more than with shorter loans, although this is not always the case. There’s no set limit on how much you can borrow – it all depends on your personal circumstances, such as your income, your outgoings and your credit score. To see how much you could borrow, try our simple loan calculator, and choose ‘What can I afford?’.


You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.