Important Notice:

Due to worldwide COVID-19 situation, we have taken the decision to suspend any new lending until further note. 

If you have any questions, please contact us on 01252 702 270.

Thank you. 

The IN-SYNC Team

Personal Loans from IN-SYNC Credit Services

Make your future plans happen today

✓ Competitive rates
✓ Get your personalised quote without affecting your credit score
✓ Easy application process
✓ Same-Day Payments

services > Personal Loans

Get your life IN-SYNC

Whether you're looking to make home improvements, invest in a new car or would just like to manage your money a little better, a loan from IN-SYNC Credit Services could be perfect for you. 

Borrow from £1,000 to £7,500 depending on your personal circumstances.

Whether it's a pipe dream or an urgent need, our personal loans are there to help you make them a reality.

Home improvements

Home improvements

Buy a car

Buy a car

Manage your money

Manage your money

Try our loan calculator to see how much you could potentially get

12 Months

Information about your loan application

*The personalised loan quote will work by conducting a quotation search on your credit file. This will not affect your credit rating and, although you will be able to see the search on your file, other organisations will not. 

Any personalised loan quote is provided for indicative purposes only and does not constitute an offer to provide credit.

If you decide to go ahead with a personal loan after you receive your quote, we will carry out a full credit reference agency check and affordability assessment.

To proceed with your quotation, please confirm the following: 

I have read the IN-SYNC Credit Services Privacy Policy.

I agree to my personal information being provided to a credit reference agency for the purpose of obtaining a Personalised Loan Quote*.

Representative example: To borrow £5,000 would cost you £155.16 per month with 36 monthly repayments at a rate of interest (fixed) of 3.9% p.a. The total amount repayable would be £5,585.76. This is equivalent to 3.9% APR representative. Customers who don't meet our normal lending criteria may be offered a different rate. The maximum APR you could be offered is 29.9%.

Why choose a loan from IN-SYNC Credit Services?

We're a straight-forward, credible and direct lender. We aim to make the process of applying for a personal loan as painless as possible. 

Easy application process

We offer flexible repayment plans. Our quick and easy online application process gives you an answer in minutes and our friendly, UK-based customer services team is just a phone call away if you need a helping hand. 

Trusted by our customers

We've been recognised by Feefo for consistently delivering excellent customer service. We were given the coveted Gold Trusted Service award for three years running and as a result, we've we're now proud owners of the Platinum Trust award for 2020! 

"Excellent service use them every year and will continue to."
"A professional service with polite and knowledgeable staff. IN-SYNC has provided me with polite and professional service, and have never given less at any time."
"Very quick response and easy process with the money transaction thank you all of you."

FAQs: Personal Loans

You can sign your loan agreement online using our e-signature service. It's a fast and simple way of signing your agreement and means we can get the money to you as quickly as possible. 

The representative rate is the APR that the majority of our customers will receive, but may change depending on your own circumstances. For some customers, we aren't able to offer the representative rate, but we may be able to offer a loan at a high APR with a higher instalment amount. 

We take into account lots of information during the application process, which includes a search of your credit file. This helps us work out which rate you can have. 


If your loan is declined, you can get a copy of your credit report from TransUnion, which is the credit reference agency we use. 

TransUnion LLC

It's important to think carefully when borrowing money. You might need some money urgently, but you should weigh up all of your options so you can make the best decision for you. 

Start by planning your budget so you know how much you can afford in terms of repayments. 

Once you know what you can afford, you should compare different lenders and their products, fees and repayment options to help you make the decision. 

If you're looking for flexible and secure credit, IN-SYNC Credit Services may be the right lender for you. 

With a loan from IN-SYNC Credit Services, there could be a knock-on impact to other IN-SYNC Group services if you fall behind on your repayments. 

For example, if you use a service that generates a refund or rebate for you, like CIS Tax of VAT management, then the funds due back to you may be withheld until you clear your loan. 

The loan will also be registered on your credit file, so it's important to keep up your repayments or contact us if you're struggling to keep up, as it could impact your ability to borrow in future if you don't. 

After you take out a loan, you'll have 14 days to cancel your loan agreement with no financial penalties. This is known as a cooling-off period. Although there will be no cancellation fees, you will need to pay any interest that you've built up on that agreement during this time. 


Paying your loan off early is a great thing to do if you can do it. Because your interest builds up on a daily basis, the amount you'll pay back will be lower than if you wait until the end of the term. 

You can do this by contacting the team on 01252 702 270. 

Your loan will either be repaid in weekly or monthly instalments, depending on your loan agreement. 

The repayments will be taken directly from your bank account using a Continuous Payment Authority (CPA) agreement. 

CPAs are just a way of making regular automatic payments and means we can take the money from your account without having to contact you and get permission for every single repayment. 

They're very common and are often used for things like gym memberships or broadband, so it's nothing to worry about. 

It's really important to us that you're completely aware of the commitment you're making before you take out the loan and we'll make sure it's all set out clearly on your agreement before you sign it.