A Financial Partner for Everyone.
Flexible personal loans from £100 to £1,000. Repay over 12 months with specialized support for first-time borrowers.
Adage Credit is a social enterprise that focuses at the grassroots, specifically those from minority ethnic groups experiencing greater exclusion from the financial system.
APR Representative example:
£200 Loan repayable over 6 months;
6 payments of £53.33 p.m;
Rate of interest 60.00% p.a. fixed;
Representative 454.37% APR;
Total amount payable is £319.98
Calculation is for illustrative purposes only. Actual repayments and costs may vary.
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk Compare the price of home collected and other cash loans available in your area at www.lenderscompared.org.uk
How much would you like to borrow?
Our Simple Loan Process
Our loans are available to UK residents only aged 18 and over. Applications subject to an affordability assessment.
Fill out your information
Complete a quick and secure online application. It only takes a few minutes to get started.
Open Banking check
We securely review your banking information to verify your details. This helps us process your application faster.
Call from an advisor
One of our loan advisors will contact you shortly. They’ll guide you through the next steps and answer your questions.
Get your loan
Once approved, your loan will be processed quickly. Access your funds and move forward with confidence.
Championing Financial Inclusion
Adage Credit is a mission-driven social enterprise dedicated to financial inclusion in the UK. We bridge the gap for individuals and minority ethnic communities often underserved or excluded by traditional banks.
By offering responsible personal loans from £100 to £1,000, we provide a fair alternative for immediate financial needs. Our approach combines ethical lending with a commitment to grassroots support, empowering customers to manage their finances effectively and work toward long-term stability.
Price Comparison
Mr. Lender
A £500 loan for 26 weeks.
£898
Cheapest!
Adage Credit
A £500 loan for 26 weeks.
£840
Lending Stream
A £500 loan for 26 weeks.
£966
Frequently Asked Questions
Common Inquiries from our customers.;
Can I get an Adage Credit personal loan with a bad credit score?
Although we still consider your current income and ability to repay our short term loans, your application won’t be considered solely based on your credit history. We understand how challenging it can be to meet financial demands, which is why we make our decision based on a number of other factors.
Instead, we’ll consider how much you are requesting to borrow, how long your repayment schedule is and the total repayment amount. This will help us decide whether the amount you have requested is achievable in that time period.
Am I still eligible for short term loans without a guarantor?
It isn’t essential for our borrowers to have guarantors as we understand this can hinder the accessibility of our loans. Our eligibility requirements determine that borrowers should be 18 years of age, a UK resident and have a mobile number and banking account that credit can be paid into. Your credit decision will instead be made based on your borrowing request and these criteria.
Does borrowing from Adage Credit affect my credit score?
Receiving your personal loan quotation will not affect your credit score, meaning you can compare our rates before completing your application. However, missing payments once you have received a loan from us can detrimentally affect your credit rating. This means it is crucially important to choose a repayment plan that you can afford, or contact our team if you fall into hardship.
Nevertheless, our loans can also positively impact your credit score. Consistent, timely repayments will demonstrate that you are a reliable borrower, improving your ability to receive credit in the future.
Favorable reviews and testimonials
Discover what our clients have to say about us
My experience with adage credit was amazing, I was really in need of money, I didn’t have hope as my credit score is very low, amazingly Adage managed to credit me, customer service was very helpful, she went through the application and I got the payment I requested the same day.
Chrissy Mvuemba
Great company for affordable loans
Customer service is great, application was simple and the team explained how much they could provide me and how I can make repayments, so far adage I would 100% recommend for anyone looking for an affordable loan.
Sibsxo
The lady I spoke with who finalised my…
The lady I spoke with who finalised my loan was absolutely fantastic, she explained everything and was very polite , happy and courteous. I really refreshing attitude from a loan company, I will definitely be recommending to others.
Mr Maxwell
Need Advice or Support?
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Compare the price of home collected and other cash loans available in your area at:
Money Helper: www.moneyhelper.org.uk
Choose Wisely: www.choosewisely.co.uk
All the Lenders: www.allthelenders.org.uk