Rating based on 68 reviews

Ikano Loans

  • Personal loans up to £15,000
  • Appy in 10 minutes
  • Low interest rates

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Ikano Bank homepage
Author Ikano Bank. Screenshot of Ikano Bank website.
[Accessed April 21, 2020]

About Ikano Bank

Ikano has been providing financial assistance in the UK since 1994.

One thing we have learned from our heritage is that having a strong and simple idea, with a little bit of hard work and good values is important for success.

The Ikano bank values drive our business

At Ikano we have values that guide every business that belongs to us. And we make sure that these values are respected daily. We know that no method is more effective than setting a good example. Ikano values are:

  • Common sense and simplicity
  • Working together
  • Daring to be different

The Ikano promise to our customers

At Ikano Bank, we work so hard to give all our customers fair terms. We regularly review our solutions and our way of working with customers, partners, and co-workers. Providing fair terms is so important for building strong relationships, creating value, and growing a business. At Ikano we are aware that the promise made, and the promise kept determines the quality and reputation of a company.

We have improved from what we were before

We strive for a sustainable future while being responsible for the economic, social, and environmental aspects related to our businesses. At Ikano we currently own and develop competitive and profitable niche companies in the areas of finance, real estate, asset management, insurance, and retail. We draw our strength from working together to create long-term solutions based on fair terms that bring value to our customers, partners, and ourselves.

Ikano Bank Services

At Ikano we offer affordable, easy to be accessed loan deals.

At Ikano we ensure we deliver sales finance and customer insight services to retail partners and provide businesses with leasing and factoring solutions. We offer a range of products including private label cards, credit cards, loans, and savings accounts.

A personal loan helps you get ahead

At Ikano we explain a personal loan as the amount you borrow to cover your personal expenses. Personal expenses do not necessarily benefit you as an individual, but they can be beneficial to other people as well. You can use Ikano personal loan to pay for car repair, home renovation or consolidate your debts. We can borrow you up from £1,000 to £15,000.

Ikano Annual Percentage Rate(APR) and interests

APR is the rate of interest you will pay for the amount you would like to borrow. The APR is fixed for the term of the loan, meaning it will remain the same for the duration of the loan.

Usually, the rate of interest you are offered might be different from the representative APR. Rate is offered based on your personal circumstances. Interest is charged daily. Each personal loan quote includes the total amount that you need to pay back, including interest.

Ikano loan repayment period

Ikano personal loans can be repaid from 12 months to 60 months. Our repayment period depends on the type of loan, size of a loan, and monthly installment.

Ikano Bank – Personal loan

  • Loan Type Personal loans
  • Loan Amount up to £15,000

Benefits of Ikano Bank

  • Apply online within 10minutes
  • No charges for managing your account
  • Savings are protected
  • Get good rates

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

We have a simple and straightforward online application form.

At Ikano we care about everyone interested in working with us. We can get you a personalized quote that will not be shown on your credit file.

How to apply for Ikano personal loan

You can apply for our quick loans online within 10 minutes. And there is no waiting for the post for paperwork to sign. Things you will need before you apply or even get a quote:

  • Your past two years' address includes the postcode.
  • Your employee's name and address, and how long you have been working there.
  • Be a UK bank account holder or even building a society account.
  • Have a valid email address.
  • Be permanently employed with regular income.

Ikano lending criteria

  • Over 18 years.
  • You have a minimum income of £10,000 yearly.
  • You have a good credit history

At Ikano we care about everyone interested in working with us. We can get you a personalized quote that will not be shown on your credit file.

You can change your mind about the loan

If ever you realized just after you have received the loan amount that you are no longer in need of a loan. That is acceptable at Ikano. But you can only change your mind within 14 days after you have received the funds. And you will need to repay it in full.

How can you pay back Ikano loans

At Ikano we set a direct debit when you apply for any of our products. The money gets debited monthly on the date we agreed on. However, if by any chance you want to change, the date your direct debit is taken from your account or change the account your direct debit is taken from. You can talk to us about a suitable date.

How to get hold of Ikano

When you need Ikano services you can simply visit our website. And start applying. You do not have to be an Ikano member to apply for our loans. If you cannot access our website, you can just give us a call and we will be kindly at your services. Your UK bank account should accept direct debits.

Customer Reviews & Testimonials

November 2019

I am so grateful for how fast the loan application process was at Ikano

George N
— London —

January 2020

Ikano consultants are so friendly and approachable when you need help.

Ryan B
— Chelsea —

Ikano Bank Contact

Contact Number


  • not available


Physical Address

  • WaterFront House, Station St Nottingham NG2 3DQ United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:30 – 22:00
  • Tuesday 08:30 – 22:00
  • Wednesday 08:30 – 22:00
  • Thursday 08:30 – 22:00
  • Friday 08:30 – 22:00
  • Saturday 08:30 – 22:00
  • Sunday – Closed