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Long-Term Loans
Borrow £3,000 - £25,000 with no risk of reposession | UK Direct lender.
Authorised and regulated by the Financial Conduct Authority (FCA).
- Direct lender
- Loans not secured against your home
- Authorised and regulated by the FCA
We use a soft search to check your eligibility, so your credit score won't be affected. Norwich Trust is a direct lender offering unsecured loans that don't use your home as security. A £299 lender fee is included in your quote and will be paid as part of your monthly repayment.
Loan calculator
£14,000
Min: £3,000Max: £25,000
60 months
36 months120 months
Monthly repayment
£0.00
Representative APR
29.9% APR
Total repayable
£0.00
Total includes lender fee
Already a customer? Check your eligibility for additional funds.
Already a customer? Check your eligibility for additional funds.
We use a soft search to check your eligibility, so your credit score won't be affected. Norwich Trust is a direct lender offering unsecured loans that don't use your home as security. A £299 lender fee is included in your quote and will be paid as part of your monthly repayment.
Long Term Loans
Choose a repayment term between 3 and 10 years.
Fixed monthly payment
One monthly payment to help you budget.
Flexible terms
Choose a loan term between 3 and 10 years.
A direct lender you can trust
We're a UK direct lender, based in Norwich, Norfolk.
Apply for a Long-Term Loan in 3 Steps
Review
Our underwriters will review your application, usually within a working day.
Receive Funds
If your application is approved, funds will be released within a working day.
Long-Term Loan Criteria
See If You Qualify- Aged 21-70 (under 71 at the end of the loan term).
- You must have been a UK resident for at least the last 2 years.
- You'll need a monthly income after tax of at least £1,300 (or £1,800 if you're under 30 years of age).
- Be the owner of a residential property in the UK.
Is this right for me? - A Norwich Trust loan may be suitable if you are a UK homeowner looking for an unsecured fixed-rate loan and can afford the monthly repayments for the full term. It may not be suitable if you are struggling with essential bills, already missing repayments, or if extending borrowing would increase the total cost of credit in a way that is not affordable to you.
Who are Norwich Trust?
We are a trusted UK direct lender based in Norwich, Norfolk, who provide unsecured homeowner loans. We help homeowners across the UK access affordable finance without securing the loan against their property. Norwich Trust was incorporated in 2020 and we began lending under the Norwich Trust brand in 2024. As part of the Norfolk Capital Group, we benefit from more than 30 years of experience supporting people who may have been declined by high street lenders or have less-than-perfect credit.
Whether you're looking to consolidate existing debts into one manageable monthly payment, fund a home improvement project, cover unexpected expenses, or achieve other financial goals, our experienced team is committed to finding a solution that works for your circumstances and we aim to get a decision to you within a working day.
Our mission is to make unsecured homeowner loans accessible to those who need them most, helping customers across the UK move forward with confidence, even when traditional lenders have said no.
See why we are trusted by homeowners across the UK
Norwich Trust makes borrowing clear, straightforward, and secure. Read reviews from our verified customers.
Any Questions?
Can I get a long-tem loan to consolidate debt?
Yes. A long-term loan can be used for debt consolidation, allowing you to combine multiple existing debts into a single monthly repayment. This can make your finances easier to manage by reducing the number of payments you need to keep track of each month. Depending on your circumstances, debt consolidation may also help reduce your monthly repayments by spreading borrowing over a longer period. While a longer loan term can make repayments more affordable, it may increase the total amount payable over the life of the loan. At Norwich Trust, homeowners can borrow from £3,000 to £25,000 with repayment terms of up to 10 years, subject to affordability and eligibility.
What can I use a long term loan for?
Long term loans can be used for a variety of purposes, including debt consolidation, home improvements, weddings, or vehicle purchases. Spreading the cost over a longer repayment term can help reduce monthly repayments by spreading borrowing over a longer period. Whether you're planning a renovation project, purchasing a car or consolidating existing borrowing, a long-term loan may provide a way to spread the cost of larger expenses over a longer repayment period. All applications are subject to affordability and eligibility requirements.
Can I apply for a long-term loan online?
Yes. You can apply online through Norwich Trust Limited using a quick and simple digital application process.
Can I get a fixed-rate long-term loan?
Yes. All long term loans are offered with fixed monthly repayments for the full term. This means your monthly repayment amount will not change. Fixed-rate borrowing provides certainty throughout the repayment period, so you'll always know what to expect each month. All applications are subject to affordability and eligibility requirements.
Can I get a long-term homeowner loan?
Yes, long-term homeowner loans may be available to UK homeowners who meet our eligibility and affordability requirements. Norwich Trust offers unsecured loans with repayment terms of up to 10 years, allowing you to spread the cost of borrowing over a longer period with fixed monthly repayments. We may be able to consider applications from homeowners with a history of missed payments, defaults or CCJs, subject to affordability and eligibility requirements.
How long can I repay a long-term loan over?
Norwich Trust offers long-term loan repayment terms ranging from 3 to 10 years, depending on the amount you borrow and your individual circumstances. A longer repayment term can help reduce your monthly repayments by spreading the cost of borrowing over a longer period. However, borrowing over a longer term may increase the total amount repayable as interest is charged for longer. All applications are subject to affordability and eligibility requirements.
Check my Eligibility
Still have questions? Our UK-based support team is here to help.