Best secured loans with flexible terms in 2025
Discover flexible lenders and only borrow what you need, when you want, with custom terms.
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Flexible Secured Loans to Fit Your Needs
Want a loan that actually fits your timeline? You're in the right place. Below, we've spotlighted three real-life secured loan options that offer seriously flexible borrowing. They're focused on wide ranges in loan size and term length, plus adaptable repayment styles, so you can customise a loan to your exact needs. Let's take a look.
Secure freedom with Fair Investment's Selina FlexiLoan
- Loan amount: Borrow from £25,000 up to £1 million
- Loan length: Choose any term between 5 to 25 years
- Flexible interest: You only pay interest on the amount you use
- Repayment fees: Flexible overpayments without charge
- Credit score: Adverse credit and CCJs are considered
Unprecedented choice with Loanable's lender network
- Loan amount: Access secured loans from £10,000 to £1 million
- Loan length: Flexible terms from 3 to 30 years
- Loan-to-value (LTV): 100% plans available
- Purposes: A wide range of uses from unifying debt to improving cash flow
- Credit score: Applicants with poor credit considered, with no up-front checks
Go long (or short) with The Personal Finance Centre
- Loan amount: Access secured loans from £5,000 to £1 million
- Loan length: Flexible terms from 3 to 30 years
- Loan-to-value (LTV): Up to 100% plans offered
- Purposes: Everything from debt consolidation to home improvements to family holidays
- Credit score: Applicants with poor credit (e.g., CCJs, arrears, defaults) considered
Summing up
Loanable, Selina (via Fair Investment), and The Personal Finance Centre each offer standout flexibility in today’s secured loan market. Connect with wide panels of lenders, enjoy credit-line-style borrowing, and find up to 100% LTV. With choices like these on the market, you could match a range of needs with ease.
Frequently Asked Questions: Secured Loans
How do flexible secured loans benefit me?
Flexible secured loans could give you more control over how you borrow and repay. This can include options like choosing repayment periods that suit your budget, making overpayments without fees, taking payment holidays, or even repaying early with no extra charges. Some lenders also offer interest-only periods or let you adjust your repayments over time - helping you manage cash flow.
What if I want to borrow some now and some later?
Some lenders offer drawdown-style secured loans, like Fair Investment's Selina FlexiLoan, which works a bit like a credit card against your property's equity. You only pay interest on what you use - and overpayments reduce your term, not your monthly cost. This kind of setup lets you adapt to changing needs without locking you into a fixed lump sum.
Do flexible loans still hurt my credit score?
Many brokers and lenders use "soft search" checks upfront, so your credit score stays untouched while you're shopping around. That's helpful if you're comparing lenders or you're worried about hitting affordability limits before you're approved. Final checks on approval may be harder, but by then, you'll know if it's more likely to be yes or no - without the damage from multiple inquiries.
Are drawdown loan products risky?
They're a powerful option - but with great power comes great responsibility. Flexible drawdown means you could borrow more than you need, or lose track of what you owe. Always monitor your balance, know your interest rate, and keep an eye on how overpayments affect your loan term and allow costs to creep up.
Will I be charged for paying a secured loan off early?
It depends on the lender. With some products - like Fair Investment's secured loan - you're free to repay early without fees, which can save you interest if you clear the balance quickly. Others may charge early repayment penalties or prepayment fees, so always check the small print before you sign.
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The details shown are for illustration only and may not include all lenders or products. Actual rates and terms depend on your circumstances and the lender’s assessment. Information was correct at publication but may change at any time.
