Soft Search Only - Won't affect your score

Smart loans.
Tailored for you.

Borrow between £1,000 and £50,000 with a quick decisions system. GBX offers flexible terms, clear transparent rates, and zero application fees.

Calculate Repayments
4.9/5 Trustpilot Excellent
300k+ Happy UK Customers
98% Approval Rate
1. Check Rate Soft check • No score impact
2. Smart Decision Approved in real time
3. Fast Payout Sent to your UK bank in 15 mins
£
£15,000 Approved Paid in under 15 mins
6.1% APR Representative Rate
Authorized & Regulated by the Financial Conduct Authority (FCA)
100% Secure Bank-Level Data Security
FCA Representative APR: 6.9%
Simple Calculator

Calculate your loan cost

Use our interactive tool to choose your amount and terms. Adjusting the values will update the estimations instantly.

£10,000
£1,000 £50,000
36 Months
12 Months 60 Months
Monthly Repayment £308.31
Representative APR 6.9% APR
Total Amount Repayable £11,099.27
Total Cost of Credit £1,099.27
Representative Example: Assumed borrowing of £10,000 over 36 months at a Representative APR of 6.9% (fixed). Monthly repayment is £308.31. Total interest payable is £1,099.27. Total amount repayable is £11,099.27. Subject to credit assessment and status. Applicants must be UK residents aged 18 or over. Rates may vary based on your circumstances.
Why Choose GBX

A consumer-first experience

We designed GBX from the ground up to protect consumers, minimize friction, and maximize transparency.

Soft Search Eligibility

Check if you're pre-approved in under 2 minutes. It performs a soft credit pull that will never affect your credit profile or credit score.

No Hidden Charges

What you calculate is exactly what you pay. We charge absolutely zero administration, set-up, early payoff, or hidden maintenance fees.

Custom Interest Rates

Rates are tailored to your profile. Customers with robust credit profiles are rewarded with our lowest tiered rates of 4.9% representative APR.

Rapid Bank Payouts

Once finalized, our smart decision system verifies details instantly. Funds are typically paid to your UK current account within 15 minutes.

Client Success

What borrowers say about GBX

Read how GBX has helped thousands of UK consumers fund consolidations, renovations, and life events seamlessly.

★★★★★

"GBX completely changed my experience with online lending. The slider calculated the monthly payments exactly, the soft eligibility checked in 2 minutes, and the money arrived in my account in less than 15 minutes! Fantastic interface!"

SM
Sarah Jenkins London, UK • Borrowed £12,000
★★★★★

"I was consolidating some credit card debt. The rate they offered was far lower than my bank. I really appreciate the dark, clean theme and that there are absolutely no hidden set-up fees or early-repayment penalties."

DH
David Howells Cardiff, Wales • Borrowed £20,000
★★★★★

"Outstanding service. The application form modal was super clean, easy to understand, and asked for clear details. The pre-approval notification happened immediately and customer support answered my questions in seconds."

FA
Fiona Abernathy Edinburgh, Scotland • Borrowed £5,000
Need Help?

Frequently Asked Questions

Find comprehensive answers about eligibility criteria, terms, credit scores, and the payout process.

No, checking your rate or eligibility triggers only a "soft search" pull. Credit reference bureaus log this search, but other lenders cannot see it and it has zero impact on your credit rating. We only execute a hard credit search when you decide to proceed and sign your final loan agreement.
To qualify for a GBX consumer loan, you must be a UK resident (living in England, Scotland, Wales, or Northern Ireland), be aged 18 or older, possess an active UK bank account with online banking setup, and have a regular income (either full-time employment, part-time, or self-employment).
Absolutely! We support financial flexibility and wellness. You can repay some or all of your loan early at any time, entirely free of charge. Doing so reduces the total amount of interest you will pay over the lifetime of the loan, helping you save money.
Representative APR acts as a guide rate. The actual APR we offer you is tailored based on your individual credit assessment, monthly income details, loan amount, and selected repayment terms. Once approved, the interest rate remains completely fixed for the duration of your loan.