{"id":135976,"date":"2023-10-25T13:12:26","date_gmt":"2023-10-25T05:12:26","guid":{"rendered":"https:\/\/zegal.com\/?p=135976"},"modified":"2023-10-26T12:32:08","modified_gmt":"2023-10-26T04:32:08","slug":"legal-documents-needed-for-personal-loan-application-uk","status":"publish","type":"post","link":"https:\/\/zegal.com\/en-sg\/blog\/post\/legal-documents-needed-for-personal-loan-application-uk\/","title":{"rendered":"Legal Documents Needed for a Personal Loan Application in the UK"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"854\" src=\"https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-1280x854.jpg\" alt=\"\" class=\"wp-image-135978\" srcset=\"https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-1280x854.jpg 1280w, https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-320x214.jpg 320w, https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-768x513.jpg 768w, https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-1536x1025.jpg 1536w, https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-2048x1367.jpg 2048w, https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-640x427.jpg 640w, https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-1024x683.jpg 1024w, https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-1200x801.jpg 1200w, https:\/\/zegal.com\/wp-content\/uploads\/2023\/10\/personal-loan-1920x1281.jpg 1920w\" sizes=\"auto, (max-width: 639px) 98vw, (max-width: 1199px) 64vw, 770px\" \/><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.freepik.com\/free-photo\/loan-approved-application-form-concept_17431603.htm#query=perosnal%20loan&amp;position=2&amp;from_view=search&amp;track=ais\">Image by rawpixel.com<\/a> on Freepik<\/figcaption><\/figure>\n\n\n\n<p><strong>Legal Documents Needed for a Personal Loan Application in the UK<\/strong><strong><\/strong><\/p>\n\n\n\n<p>Lenders need to know that loan applicants are who they say they are and that they can pay back the money they borrow. Checks such as these also help prevent fraud and money laundering.<\/p>\n\n\n\n<p>This is why you\u2019ll need multiple legal documents if you apply for a loan. This may be confusing and frustrating, especially if you\u2019re borrowing money for the first time. But it can speed up the application process so you get your cash faster.<\/p>\n\n\n\n<p>In this guide, you\u2019ll find out which documents you need when applying for a personal loan in the UK.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-loan-application-form\"><span class=\"ez-toc-section\" id=\"Loan_application_form\"><\/span><strong>Loan application form<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the first things you\u2019ll need to do when applying for a personal loan is complete an application form from the lender. This can often be done online and entails providing information such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your full name.<\/li>\n\n\n\n<li>Date of birth.<\/li>\n\n\n\n<li>National Insurance number.<\/li>\n\n\n\n<li>Contact information.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Loan_application_documents\"><\/span><strong>Loan application documents<\/strong><strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Once you\u2019ve completed the loan application form, your potential lender will need to see various documents before approving your loan.<\/p>\n\n\n\n<p>They have to verify your identity, address, income, and your right to live and work in the UK.<\/p>\n\n\n\n<p>In most cases, you can send copies of these documents digitally. You may ned to provide one or more in each category.<\/p>\n\n\n\n<p>The lender will also independently check your credit status.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proof_of_identity\"><\/span><strong>Proof of identity<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A potential lender will need to see proof of your identity. Documents that establish this include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Passport or EU ID card.<\/li>\n\n\n\n<li>Driving licence.<\/li>\n\n\n\n<li>Recent bank statement.<\/li>\n\n\n\n<li>Letter from a benefits agency.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proof_of_address\"><\/span><strong>Proof of address<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Proof of address in a loan application can be provided by documents such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Recent utility bill.<\/li>\n\n\n\n<li>Current council tax statement.<\/li>\n\n\n\n<li>Mortgage statement.<\/li>\n\n\n\n<li>Tenancy contract.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proof_of_income\"><\/span><strong>Proof of income<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Unlike secured loans, personal loans don\u2019t require any collateral. This makes it more important for the lender to verify you have a steady stream of income and can afford the monthly loan repayments.<\/p>\n\n\n\n<p>If you work for an employer, you can verify your income with documents such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your contract of employment.<\/li>\n\n\n\n<li>Recent pay slips.<\/li>\n\n\n\n<li>Your P60, which shows the tax you\u2019ve paid during the financial year.<\/li>\n\n\n\n<li>Bank statements.<\/li>\n<\/ul>\n\n\n\n<p>If you\u2019re self-employed, you can verify your income with document such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Self-assessment tax return.<\/li>\n\n\n\n<li>Your business accounts.<\/li>\n\n\n\n<li>Bank statements.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proof_of_the_right_to_live_and_work_in_the_UK\"><\/span><strong>Proof of the right to live and work in the UK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can establish your legal entitlement to live and work in the UK with documents such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Naturalisation certificate.<\/li>\n\n\n\n<li>Passport or residential permit with no time limit.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_history_checks_when_applying_for_a_personal_loan\"><\/span><strong>Credit history checks when applying for a personal loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In addition to requiring certain documents from you, a lender will also check your credit history when you apply for a loan.<\/p>\n\n\n\n<p>In the UK, credit history data and credit scores are compiled and frequently updated by credit reference agencies (CRAs), namely Equifax, TransUnion, and Experian.<\/p>\n\n\n\n<p>Your credit report contains useful information for a potential lender, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Details of previous loans, credit cards, mortgages, and overdrafts, and any late or missed payments.<\/li>\n\n\n\n<li>Whether you\u2019re the subject of a county court judgement (CCJ) or you\u2019ve been declared insolvent or bankrupt.<\/li>\n\n\n\n<li>Whether you\u2019re on the voters\u2019 list (the electoral register).<\/li>\n<\/ul>\n\n\n\n<p>Your credit report and the information you provide about yourself are key factors when a lender evaluates your ability to repay the money you borrow.<\/p>\n\n\n\n<p>Credit reports also help lenders confirm applicants\u2019 identities and prevent fraud and money laundering.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Loan_fraud_prevention\"><\/span><strong>Loan fraud prevention<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Loan fraud has increased as loans have become more widely available, and fraud-related activity now occurs largely in the digital world.<\/p>\n\n\n\n<p>These cybercrimes produce money that needs to be cleaned \u2013 disguised as legitimate funds. Fraudulent loan applications can be used to both steal money and launder it.<\/p>\n\n\n\n<p>Fraud attempts in loan applications are committed by people with no intention of repaying the money if they get it. This criminal activity can take one of two forms:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The applicant uses their own name but supplies false information or fake documents,<\/li>\n\n\n\n<li>A fraudster steals someone\u2019s identity and uses it to apply for a loan.<\/li>\n<\/ul>\n\n\n\n<p>In both cases, the applicant falsifies documents such as employment records and credit scores and other financial information.&nbsp;<\/p>\n\n\n\n<p>Lenders prevent loan fraud by verifying the legal documents supplied and thoroughly investigating the borrower\u2019s background.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_can_a_personal_loan_be_used_for\"><\/span><strong>What can a personal loan be used for?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Having the right documents to hand streamlines the loan application process and makes it easier to get the money you need.<\/p>\n\n\n\n<p>Personal loans are a versatile type of financing, and you can apply for funding for almost any purpose.<\/p>\n\n\n\n<p>Personal loans are often taken out to help with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buying a car.<\/li>\n\n\n\n<li>Paying for a wedding.<\/li>\n\n\n\n<li>Home improvements.<\/li>\n\n\n\n<li>Covering a large, unexpected expense.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.moneyhelper.org.uk\/en\/everyday-money\/credit\/debt-consolidation-loans\">Debt consolidation<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>You can even get a personal loan if you have bad credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bad_credit_personal_loans\"><\/span><strong>Bad credit personal loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Getting a personal loan if you have bad credit reflected by a poor credit score can be more difficult but it\u2019s not impossible.<\/p>\n\n\n\n<p>While mainstream lenders may see you as a high risk, other lenders specialise in <a href=\"https:\/\/www.badcredit.co.uk\/loans\/\" class=\"ek-link\">bad-credit loans<\/a>.<\/p>\n\n\n\n<p>You\u2019ll increase your chances of a getting a bad-credit loan if you can show you\u2019ve got your finances back on track and that you can afford the repayments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Importance_of_understanding_your_loan_agreement\"><\/span><strong>Importance of understanding your loan agreement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Once your loan application has been approved, you may breathe a sigh of relief that you\u2019re finished with concerns over legal documents and merely skim through the loan agreement.<\/p>\n\n\n\n<p>However, it\u2019s important to realize that a personal loan agreement is a legally binding document between yourself and the lender. This makes it an important legal document in itself.<\/p>\n\n\n\n<p>So before you sign on the dotted line you need to be absolutely clear about the terms and conditions of the loan and your rights and responsibilities.<\/p>\n\n\n\n<p>And remember that the <a href=\"https:\/\/zegal.com\/loan-agreement\/\" class=\"ek-link\">loan agreement<\/a> can protect you as well as the lender.<\/p>\n\n\n\n<p>For instance, when you scrutinize the fine print you may uncover hidden costs. You then have the option of walking away from the deal and finding a loan with more favorable terms.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Legal Documents Needed for a Personal Loan Application in the UK Lenders need to know that loan applicants are who they say they are and that they can pay back the money they borrow. Checks such as these also help prevent fraud and money laundering. This is why you\u2019ll need multiple legal documents if you [&hellip;]<\/p>\n","protected":false},"author":134,"featured_media":135978,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","inline_featured_image":false,"footnotes":""},"categories":[14343],"tags":[],"usecases":[],"businesstypes":[],"country":[],"class_list":["post-135976","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-outside-perspectives"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.8 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Legal Documents Needed for a Personal Loan Application in UK<\/title>\n<meta name=\"description\" content=\"Find out the must-have legal documents for a UK personal loan application. 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