Skip to content

Admiral loans

Thinking of taking out an Admiral loan? Read our guide to find out what loans are available and whether you could be eligible for them.

Thinking of taking out an Admiral loan? Read our guide to find out what loans are available and whether you could be eligible for them.

Who is Admiral?

Admiral has been around since 1993 when it launched in Cardiff, Wales. Admiral was originally set up to offer car insurance and now has a range of products including personal finance loans, which it began offering in 2017.

Admiral is an official partner of the Welsh national rugby team. It’s also won several high-profile awards, including ‘Best Big Company’ in the Sunday Times Best Companies, 2019.

Which is the best Admiral loan for me?

Admiral offers a choice of loans:

  • Unsecured loans, which aren’t guaranteed against anything. If you don’t keep up with your payments, this can impact your credit score.
  • Secured loans, which are guaranteed against an asset, such as your house. If you don't make your payments, the lender can take back the asset.

Admiral offers loans for a range of needs, including a new car, home improvements and consolidating existing loans.

Why choose Admiral?

With Admiral loans, you can borrow over 12 to 96 months. Admiral offers fixed APR monthly repayments, which can make budgeting easier. Loan repayments are made by direct debit.

Admiral has a three-step online process to getting a loan. Once you submit your completed application, if approved, the money should be with you between 12pm and 5pm on the third working day.


To be eligible for an Admiral loan, you must:

  • Be a permanent resident in England, Scotland or Wales
  • Have lived in the UK for at least three years
  • Have a UK bank account
  • Be employed or retired with an annual income of at least £19,000.

You cannot have received any County Court Judgements (CCJs) in the past three years or been made bankrupt, had any Debt Relief Orders, or gone through Individual Voluntary Arrangements in the past six years.

Are there any charges?

As with most loans, annual percentage rate (APR) and interest is applied. It’s handy to know the APR when comparing loans with other providers.

If you choose to repay your loan early, you’ll need to pay any interest due.

Why compare loans with Compare the Market?

Our loan comparison service is quick and easy to use. Just give us a few details and we'll help you see if you can find you a quote. We compare Admiral and other top personal finance providers.

See quotes you could be eligible for in under 4 minutes[1]

Quickly compare loans from 28 lenders[1]

48 products compared[1]

[1] Correct as of June 2024.

Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

Does Admiral have a good Trustpilot review?

Admiral was rated 4.2 on Trustpilot in September 2023.

The score 4.2 corresponds to the star label ‘Great’.

See Admiral’s current Trustpilot rating

Frequently asked questions

How much can I borrow from Admiral?

Admiral offers loans between £1,000 and £30,000. How much you can borrow will depend on several factors, including:

  • The amount you want to borrow
  • Your personal and financial circumstances
  • Your credit history – including an independent verification of your credit and repayment history.

The Admiral loans team can give you an accurate quote without it affecting your credit score. If accepted, your quote is guaranteed.

Can I get an Admiral loan with bad credit?

Admiral doesn’t advertise itself as offering loans to people with bad credit.

How to contact Admiral?

Once you’re an Admiral customer, you can manage your account online or via the app.

If you need to contact Admiral directly, you can do so via webchat, email at [email protected] or by calling 0333 234 6007.

How do I apply for an Admiral loan?

You can apply for an Admiral loan online. You’ll need to have your bank details and your addresses for the past three years handy.

But before you apply, it’s worth checking whether you’re likely to be accepted. You can do this using our loan eligibility checker. Applying for a loan can lower your credit score, so it makes sense to see if you’re likely to succeed before going ahead.

Our checker uses a soft credit check to show you which loans you’re likely to qualify for, and won’t affect your credit score.

Can I pay off an Admiral loan early?

You can repay part of or all your Admiral loan at any time. Within your Admiral online account, you can generate an early settlement quote.

If you choose to repay your loan in full, Admiral charges a fee equivalent to up to 58 days of interest at your agreed rate of interest.