Get an affordable loan from a lender you can trust
* NestEgg does not provide loans directly. Our job is to connect you with a range of trusted, responsible lenders.
£80,000,000
Amount we have saved people from using high cost credit (as of March 2026)
How it Works
NestEgg helps you find, apply for and get accepted for affordable loans from responsible UK lenders
Find loans
Tell us about your situation and what you're looking for.
Explore affordable loans from responsible UK lenders, like credit unions.
Check your chances
Discover the odds of getting approved for the loan you want - without affecting your credit score.
Get personalised tips on how to improve your chances of getting the loan you really want.
Apply for a loan
Apply for a loan you’re likely to accepted for or where there’s a reasonable chance you'll get it.
The lender will make the final decision, so there’s no guarantee you'll get the loan. If we show your chances are ‘good’ however then you’re likely to be accepted.
Frequently Asked Questions
How do I find loans I can apply for?
Most of our partner lenders operate locally. So start by entering your address. NestEgg then quickly displays which lenders you could apply to.
By entering more details, like your work situation, you can unlock additional loans. For example, some lenders offer discounted rates if you work for a certain employer. To check your eligibility, some loans will require additional information which you can supply by clicking on ‘Am I eligible?’
Finally, using the sliders, select how much you want to borrow and over how many months. Use these filters to refine the list of loans you qualify to apply for.
How do I check my chances of getting a loan?
By clicking ‘What are my chances’ on a loan and answering a few simple questions, you can find out how likely you are to be accepted.
To find out how likely you are to be accepted, NestEgg carries out a so-called ‘soft credit check’ based on your credit report. Importantly, this check has no impact on your credit score.
NestEgg uses this information to assess the likelihood that you’d be accepted for a loan for the amount you want from your chosen lender.
How do apply for a loan?
Loans are sorted according to the likelihood that you would be accepted. Loans with the lowest interest rates are shown first.
You can choose to apply for a loan you’re be likely to accepted for (green) or a loan where there’s a reasonable chance you would be successful (amber).
The lender will make the final decision, so there’s no guarantee that you will get the loan. However if we show that your chances are ‘good’ you’re very likely to be accepted.
When you apply for a loan, a hard credit check is carried out by your chosen lender. They will contact you if they need further information or to tell you if your application has been successful.
BONUS - Get tips & advice
If the chances of being accepted for the loan you want are too low, you can sign up for tips and advice.
NestEgg's simple suggestions will help you improve your credit profile. As a result, you’ll be more likely to be accepted next time.