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When you’re pre-approved, the loan amount, duration and interest rate are all confirmed
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10 year loans
Find the right 10 year loan for you
Compare loans from providers across the market
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.
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.
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.
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.
Choose from a range of loan amounts
With a pre-approved loan, the deal you see is the deal you get
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
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
It doesn’t take long
Tell us a little about yourself, your finances and the loan you want
We’ll browse the market
We search through the UK’s leading loan providers
Compare loans
Sort loans by overall cost and your likelihood of being accepted
What can I use a 10 year loan for?
Can I get a 10 year loan with no credit check?
Can I pay back a 10 year loan early?
What details will I need to apply for a 10 year loan?
What happens if I miss repayments on a 10 year loan?
How much can I borrow with a 10 year loan?
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?’.
Guide to getting a loan with bad credit
You might find it tricky to get a loan if you have a muddled credit history - so what are you options?
Unsecured vs secured loans
It's important to know the difference between secured and unsecured loans before making any application
A guide to financial jargon
Our glossary will help you to understand the range of financial jargon surrounding these products
Guide to car loans
Discover how getting a loan can offer you an alternative to dealer finance
Loans for young people
Tips for finding the right loan if you’re a student, or need your first loan
Guide to home improvement loans
Find out about borrowing to upgrade or extend your family home
Get Credit Savvy
How to secure the best card or loan deal in a lending squeeze
No Credit Check Loans
Can you get a loan without a credit check?
Emergency Loans
Need a loan in a hurry? Make sure you're fully informed with our guide to emergency loans
Short term bad credit loans
If you’ve struggled with bad credit in the past but need money quickly, you may be worried about being rejected for a loan. Our guide covers how short term loans work and if you can get one with a low credit score... If you need money quickly but are worried you’ll be turned down for borrowing, our guide might be able to help
Quick payout loans
Being able to get money quickly with few credit checks may seem appealing to potential borrowers, but with high interest rates and the amount you can borrow being capped, they won’t be for everyone. Our guide covers how quick payout loans work and what you need to know
Guaranteed acceptance loans
Is there a way of guaranteeing a successful loan application? If not, how do you maximise your chances of being approved? Our guide explains
Bridging loans guide
A bridge loan can be a good solution for short-term borrowing. Our guide covers how bridge loans work so you can decide if they’re the right choice for you
Secured loans guide
Secured loans can be a way to borrow more, by using your home (or other valuable asset) as security. Understand how secured loans work in our guide with pros and cons to consider.
Unsecured loan guide
Secured loans can be a way to borrow more, by using your home (or other valuable asset) as security. Understand how secured loans work in our guide with pros and cons to consider.
Cheap loans guide
The cheapest loan is not always the one with the lowest monthly repayments. Find out more with this guide.
What is PCP car finance?
Personal contract purchase plans, otherwise known as PCP have become a popular alternative to buying a car outright. Our guide covers how PCP works, to help you decide if it’s the right financing option for you
What is hire purchase?
HP is a form of car finance where you pay a deposit and monthly instalments for a fixed term before you own the vehicle. Our guide explains more
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