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Pounds to Pocket now lends under the name On Stride Financial, offering more funding options for qualified applicants. Visit On Stride Financial's Website to learn more and apply today!

Apply for a Long-Term Loan from 6 to 36 Months

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On Stride Financial is rated 4.8 out of 5 by Reviews.co.uk based on 1,252 reviews

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Representative Example: Amount of credit: £550 for 7 months at £122.43 per month. Total repayment of £857.02. Interest: £307.02. Interest rate: 150% pa (fixed). 313.1% APR Representative.

Long-Term Loans for Long-Term Flexibility

Taking on a loan means taking on responsibility. You're making a commitment to the lender to repay an agreed upon amount at an agreed upon time, and while a loan can go a long way toward helping you with your financial dilemma, it's important to understand the obligation that comes with a loan. This is true whether the loan is short-or long-term, for an amount of £100 or £10,000.

Personal loans can come in a variety of forms and from a variety of sources — including brick-and-mortar and online lenders, as well as banks and brokers — there are a few elements that remain relatively consistent. The amount of a personal loan tends to fall somewhere in the neighbourhood of £150 to £5,000, though loans of smaller and larger amounts are available. In the UK, loan conditions tend to stipulate that a loan applicant be at least 18 years of age and have proof of income.

It's also important when taking on a loan to have a clear picture of your financial situation and how a loan can help. Whether it's a short- or long-term loan, often the chief reason to take on a loan is for an emergency. Still, choosing your loan type depends a great deal on the details of your emergency. A smaller, more immediate problem — such as unexpected home repair — may be best handled with a short-term loan for a smaller amount. On the other hand, a long-term loan could be the best solution for larger difficulties — i.e. a totaled car.

Finally, understand that approaching a loan with confidence is one of the surest ways to paying it back promptly, and learning the nuances of your loan options is the fastest way to confidence. Research different lenders, comparing their rates, loan amounts and repayment period options. Determine what loan type works for your situation, and narrow the field to lenders that offer that type. Ultimately, you should know and trust your lender before you make a commitment to a loan.

If term length is important, and in particular you're looking for a long-term loan option, consider On Stride Financial. Our registration pages allow approved customers to choose both your repayment period and your repayment amount, which is a degree of user customisation that few lenders can offer. With repayment periods anywhere between 6 months and 3 years, approved customers have the luxury of a loan experience that works with their unique financial situation. With the understanding that confidence can be the difference between on-time loan repayment and a loan becoming a financial burden, giving customers the flexibility to control their own loan will help our lendees confidently clean up their financial messes and move on with their lives.