P/01 — Personal Lending

A personal loan that fits .

For weddings, cars, home projects, or the unexpected. Borrow $5,000 to $100,000 at a fixed rate — repay on your terms.

Check your rate Try the calculator

At a glance

Amount $5k – $100k

Term 1 – 7 years

APR from 5.9%

Decision <4 hrs

Early repayment No fee

§01 — Common uses

What people borrow for.

Home improvements

Kitchen, bathroom, extension, or a new roof. Fix it now, spread the cost.

A car or vehicle

New, used, or electric. Skip dealership finance and their markups.

Weddings & events

One payment covers the venue, the catering, the lot — repay over years, not months.

Medical & dental

Treatment, procedures, or private care. No waiting lists for your wallet.

A big purchase

Furniture, tech, a once-in-a-decade holiday. Fund it without dipping into savings.

Something else

If it matters to you, it's a valid reason. We don't ask for receipts.

§02 — What you get

The Adlib difference.

Adlib

Fixed rate from day one. Your monthly payment never moves.
No origination, arrangement, or early-repayment fees. Ever.
A human underwriter, not just an algorithm.
Soft-search first. See your rate without hurting your score.

Typical lender

Variable rates that creep up over time.
Arrangement fees of 1–3% deducted at drawdown.
Automated declines with no explanation.
Hard credit searches on every quote.

Illustration

$15,000 over 5 years, for example.

At our representative 5.9% APR, that works out to $289/month for 60 months. Total repayable: $17,340.

Use the calculator Apply now

§03 — FAQ

Personal loan
questions.

Start your application

01 How much can I borrow?

Between $5,000 and $100,000, over a term of 1 to 7 years. The amount you're offered depends on your income, existing commitments, and credit history.

02 How long does it take?

The application takes about two minutes. You'll get a decision by email within four working hours, and if approved, funds typically land the same working day.

03 Do you charge any fees?

No. There's no origination fee, no arrangement fee, and no fee for repaying early. The only cost of your loan is the interest disclosed in your offer.

04 Can I repay early?

Yes — anytime, in full or in part. Interest accrues daily on your outstanding balance, so repaying early means you pay less interest. No penalty.

05 What if I'm self-employed?

Perfectly fine — we lend to self-employed applicants regularly. You'll typically need to share 6–12 months of bank statements or your latest tax return so we can verify income.

06 Will you run a credit check?

Yes, but only as a soft search when you check your rate — this doesn't affect your credit score. A hard search happens only when you formally accept an offer.