Personal Loan

How does a personal loan work?

RateWise provides personal loan introduction service for residents of the UK. Our free, online application is quick, easy to fill out and every step of the process can be completed online or over the phone. Once you get approved you can receive the funds as early as the next day and you can use the funds for anything you want. We’ve helped thousands of people in all types of credit situations across the UK.

How does my loan get funded?

While procedures may vary from lender to lender, deposits will be made directly into your bank account via EFT (Electronic Funds Transfer).

How long does it take to get a loan?

Your application can be completed online and in one phone call with one of our certified lenders. Once your application is approved by the lender, you can sign the documents and receive the funds right away. Almost all deposits are received within 1-2 business days.

When will I know if I’m approved?

It doesn’t take long for your loan to get approved, once you apply please have your phone handy as one of our certified lenders will contact you to get you funded.

Car Loan

What kind of information do I need to provide?

We only ask for the information that we need to connect you with a certified lender. By knowing your current situation and a bit about you we are able to find a great lending partner who has a high chance of approving your loan.

How much can I get pre-approved for?

The amount that you can get pre-approved for by one of our certified lenders depends on several factors. Once you apply, a lender will get in contact with you to match you with a vehicle that fits your needs and your budget.

How long does it take to get a loan?

Our free, online application takes approximately two minutes. Next, you will hear from one of our certified lenders over the phone.

What are the Terms and Conditions?

We value transparency and an open relationship with our customers. Our terms and conditions can be read here. The terms of each application’s approval depending on the lender they are matched with. To learn more about how information from applications will be used, please review our privacy policy here.


How does mortgage financing work?

A mortgage is when a bank or lender loans a customer funds to pay for their home. In return the loan is secured against the value of the customer’s property.

What types of mortgages are there?

There are two main kinds of mortgages: fixed rate and variable rate mortgages. A fixed rate mortgage is when a customer’s interest rate stays the same for a period of time (usually two to five years) so the repayment amount doesn’t change. A variable rate mortgage is one where the rate of interest a customer pays can change, and so do the repayment amounts.

What is a mortgage broker?

A mortgage broker is a mortgage specialist who matches customers with suitable mortgage products and lenders on their behalf. It’s the broker’s job try and find the best possible deal for their customers. RateWise is an introducer, so we provide you with this service, at no charge.

Can I still get a mortgage if I have bad credit?

Bad credit will not prevent you from getting mortgage financing. Our certified lenders have success in helping clients with poor credit. There are a number of lenders who we match customers with who are experienced in finding solutions. Fill out our online application today to get matched with a lender.

What is the process of getting a mortgage?

First, fill out our free, online application. It takes about two minutes of your time. Then keep your phone handy because a certified lender from our network will give you a call and offer you a financing solution.

Say No to Fees

We won't charge you for our service, ever.
RateWise is lender-funded so we pass the savings on to you.

No Sales, No Obligations, No Hidden Fees.