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Formal bank loans are not always suitable,
keeping track manually is confusing!


There's a better way!

Bank Loans

  • Expensive
  • High Interest
  • Can be too formal
  • Inflexible
  • Challenging for poor credit

  • Documented
  • Reminders
  • Tracked
  • Discrete
  • Easy to overpay
  • Adjustable
  • Flexible
  • Free for simple loans

Private Loans

  • 41% "experience issues"...
  • ...disagreements
  • ...repayments slipping
  • ...difficulty tracking
  • ...relationship strain
  • ...the unexpected

Suggest your own rates

Escape costly fees and find conditions that suit you!

Build This Loan Proposal

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Reduce Financial Anxiety

Draw up a binding agreement in seconds, and help to set people free from high interest debt traps

Track Any Plan

We track the balance and send reminders - whatever the terms. SoftLoan works with old arrangements and new ones, with or without interest.


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I've lent money to friends multiple times - I'll now never do it any other way!

★★★★★

Alice
Business Owner

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I needed to raise some money to help me through some unexpected expenses. A relative was willing to help but I didn't want to put the relationship at risk. SoftLoan really helped.

★★★★★

John
Debt-Free Customer

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I'd have never been able to get on the housing ladder without Softloan. My parents helped me with the deposit but they wanted things to be documented. The process couldn't be simpler.

★★★★★

Sarah
Proud Homeowner

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The reminders are making sure I repay on time, even though it's challenging - I'm much more determined to stick to the plan.

★★★★★

Matt
Borrower

Easily set up loan agreements

Set up an agreement in seconds with highly flexible terms to suit your circumstances. Final balance? Regular payments? Interest only? We've got you covered and you can update it if you need to!

Track balances and interest

Know how much you owe, and when. Our reminders, statements and reports help you avoid hassle and confusion. No more pen and paper headaches!

Manage things together

Stay in control while simply recording regular and one-off repayments, or noting payment holidays

Resolve Difficulties

We take care of the complicated bits. Our options can help to encourage repayment. Whether you're thinking about lending, borrowing or recovering an old agreement, we can help

SoftLoan Support

Help through a tough patch, or with a larger expense like a wedding. Typically with no or low interest and a higher chance of being adjusted, renegotiated, or turned into a gift should circumstances change. A small minimum payment can be better than a cliff edge at the end!

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SoftLoan Projects

Soft investments - in business projects or home improvements! These typically involve higher interest charges and bespoke commitments.

SoftLoan Property

84% of buyers are helped by the bank of mum and dad. This can involve large sums lent for a number of years, often with no or low interest. It can be hard to keep track or make stage payments - often leading to confusion and disagreements.

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