When you need money to make a fresh start, you need a lender with a fresh approach. Welcome to Minty!
We offer affordable personal loans from £1,000 – £3,000 for any purpose. Our loans are available to you, whether you’re employed or self-employed, homeowner or tenant.
Minty is a direct lender and we like to keep things clear, quick and simple. You apply for a personal loan online, we make an instant decision, and, if approved you get your money in your bank the same day.*
We are real people and value our customers as real people too. We know applying for a personal loan can be stressful. So we promise to treat your application with the consideration it deserves. Simply apply directly online. Get an instant decision and your money to you fast.
We're transparent about how your loan works. You'll know exactly what you have to pay and when. No unwelcome surprises, no hidden fees and no penalty if you want to repay it early.
Representative example: if you borrow £1500 over 24 months at a flat rate of 44.4% per annum
(fixed) with a representative 98.1% APR you will make 24 monthly payments of £177,
repaying £4,248 in total
Our aim is to make this as straightforward and stress-free as possible. So you can apply directly to us online, from the comfort of your own home. No interview, no paperwork, no hassle.
Once your Minty loan application is approved, you will typically receive the money the same day. Sometimes we require further info from you to support your application; we aim to provide a decision within 24hrs.
Everyone’s circumstances are different, so it’s fine with us if you prefer to pay us weekly, fortnightly or monthly.
No. There are no set up fees or hidden costs.
You are welcome to repay your loan early. Just get in touch with us and we will confirm how much there is left to pay. There is no penalty for settling your loan early, and you will pay no further interest once your balance is paid off.
Max APR 98.1% (based on £2,250 over 24 months).
Representative example if you borrow £2,250 over 24 months at a flat rate of 44.4% per annum (fixed) with a representative 98.1% APR you will make 24 monthly payments of £177, repaying
£4,248 in total. Minimum repayment period 24 months. Maximum repayment period 24 months.
All loans are subject to eligibility & affordability criteria. Late payment or non-payment may result in additional fees such as court fees. Click here for our renewal policy. Available to UK residents aged 21 and over. T&Cs apply.
*Payment by bank transfer once application approved, subject to our working hours of Monday to Friday: 8am to 8pm and Saturday 8am to 5pm.