Welcome to Conduit

A fair and affordable loan service

Our team know there are times when we all need a little extra help on the money front, and in those times of need we can provide loans of up to £1,000. As a fair and affordable lender, we make it quick and easy to bridge the money gap when you need it most.

Fast. Fair. Flexible.

Borrow with a community lender you can trust.

APR 99.8% Representative

Consumer Credit Awards Best Newcomer 2019
Winner of Best Newcomer 2019
Consumer Credit Awards Best Newcomer 2019

The table below provides examples of repayments for loans over 26 or 52 weeks only, however we can offer flexible repayments from 4 to 52 weeks. For a tailored quote for your individual circumstances please contact one of our shops.

How much would you like to borrow?

£100

How long for?

26
Weeks

6
Months

Please note: the above is an illustrative quote only and payment amounts and dates may vary. Terms & Conditions Apply.

Borrowing £250 over 26 Weeks Would cost you £11.31 per week

The total you would repay is £294.06

The amount and payment term you have selected is not currently available by our online portal. Your loan may be offered depending on your affordability and circumstances. Please contact us for more information.

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*For loans of £100 we would not lend over a 26 week term or 52 week term unless affordability was an issue.

Competitive Rates

Representative example: A £500 Conduit loan over 52 weeks; total charge for credit £197.32; 52 repayments of £13.41 per week. Repay £697.32 at 99.8% APR (Fixed). Compared to some lenders, we can save you up to £230.00 in interest. See below comparisons of how much you pay back for a £500 loan over 52 weeks.

Conduit

You Pay
£697.32
£13.41 per week
99.8% APR*

Representative

Provident

You Pay
£936.00
£18.00 per week
299.3% APR*

Representative

Savings: £238.68

Morses Club PLC

You Pay
£910
£17.50 per week
272.2% APR*

Representative

Savings: £212.68

Satsuma

You Pay
£994.76
£19.13 per week
% APR*

Representative

Savings: £297.44

Examples taken from company websites and correct at time of publishing (May 2019). In addition to interest saved, we charge no admin or hidden fees.

Apply online here

Prefer to apply by phone? Call us on: 0300 111 0556

99.4% of customers would recommend us

99.9% of our customers trust us

The personal loan from has helped me out a lot, I would not have been able to afford to pay for some of the items I needed for the new baby. The repayments are affordable and easy to manage as the payments come straight from my bank account on the day I get paid, Thanks to John for all of his help.

Louise, Middlesbrough

I’ve been with Five Lamps for many years; they have helped me a lot especially when I need it for Christmas and new homes to decorate. I recommend them to everyone would not get a loan from anywhere else to be honest, I’ve been here that long with them I always get nice staff too they are polite.

Kelly, Newbiggin Hall, Newcastle

6 reasons to borrow from us

Easy to apply

Fast. Fair. Flexible

Cheaper than most lenders*

No hidden fees

Online, telephone & face to face services

99.4% of customers think we’re great!

Calculate Loan FAQ's

Question? Get in touch with our team: 0300 111 0556