Debt consolidation
Combining multiple debts into a single, more manageable monthly payment
What is Admiral?
Established in 1993, Admiral is a UK-based financial services company renowned for its insurance products.
Over the years, Admiral has diversified its offerings to include personal loans, aiming to provide flexible financial solutions to its customers.
What types of loans does Admiral offer?
Admiral provides unsecured personal loans that can be used for various purposes, including:
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Home improvement
Financing renovations or upgrades to your property
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Purchasing a car
Funding the purchase of a new or used vehicle
How much can I borrow with Admiral?
You can borrow between £1,000 and £40,000, with repayments running up to eight years. The specific loan amount and term offered depend on your credit history and personal circumstances.
Key features of an Admiral loan
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Fixed interest rates
Giving certainty of consistent monthly payments throughout the loan term
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No guarantor required
Apply without the need for a third party to co-sign your loan
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Quick access to funds
Once approved, funds are typically transferred promptly to your account
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Eligibility checker
Assess your likelihood of approval without impacting your credit score
What are the eligibility criteria?
To qualify for a loan with Admiral, you must:
Be a permanent resident of England, Wales, or Scotland
Have lived in the UK for at least three years and have a UK bank account in your name
Be in employment or retired with a minimum annual income of £19,000
Not have any County Court Judgements (CCJs), Debt Relief Orders, Individual Voluntary Arrangements (IVAs), and not be currently bankrupt
Approval is subject to status, affordability, and credit checks.
How to apply for a loan with Admiral
Here’s a step=by-step guide on applying for an Admiral loan:
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Check your eligibility
Use the online eligibility checker to see if you qualify. It will not affect your credit score
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State the loan’s purpose
Let Admiral know why you need the money
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Choose loan amount and term
Select how much you wish to borrow and your preferred repayment period
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Complete the application
Provide personal, financial, and employment details through the online form
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Credit and affordability check
Admiral will assess your application based on creditworthiness and affordability
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Receive a decision
If approved, you will receive a loan offer to review and accept
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Receive funds
After acceptance, funds are typically transferred promptly to your account
Frequently asked questions
Does Admiral offer joint loans?
No. Admiral only offers personal loans to individual applicants. If you’re looking to take out a loan with someone else, you’ll need to explore lenders that specifically offer joint loans.
Always compare your options to find the best deal that suits your financial needs and circumstances.
Can I take out more than one loan with Admiral at the same time?
Admiral typically does not allow customers to have multiple loans simultaneously. If you have an existing loan, you would need to repay it before applying for another loan with them.
Do I need a guarantor for a loan with Admiral?
No. Admiral does not require a guarantor for personal loans. They offer unsecured loans, meaning you do not need to provide collateral or a guarantor to be considered for a loan.
What are the eligibility criteria?
To qualify for a loan with Admiral, you must:
Be a permanent resident of England, Wales, or Scotland
Have lived in the UK for at least three years and have a UK bank account in your name
Be in employment or retired with a minimum annual income of £19,000
Not have any County Court Judgements (CCJs), Debt Relief Orders, Individual Voluntary Arrangements (IVAs), and not be currently bankrupt
Approval is subject to status, affordability, and credit checks.
Are there any fees with an Admiral loan?
Admiral does not charge arrangement or setup fees. However, it is important to be aware of potential charges:
Missed payment fee: A charge may apply for missed or late repayments
Early repayment: You may be able to repay your loan early, but additional fees may apply depending on your loan terms
What other financial products does Admiral offer?
Admiral, traditionally known for its insurance products, offers car insurance, home insurance, travel insurance, van insurance and pet insurance to protect cats and dogs.
Is Admiral regulated and trustworthy?
Yes. Admiral is authorised and regulated by the Financial Conduct Authority (FCA), ensuring compliance with UK financial regulations.
How to compare loans with MoneySuperMarket
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Reviewed on 8 Dec 2025
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