Personal Loans

Loading a little wizardary....

Qi Finance provide personal loans for just about any purpose. Whether it’s much needed home improvements, a new car or the holiday of a lifetime we guarantee a quick decision, the best rates and friendly advice from experts with your best interests at heart. Qi Finance focuses on rewarding borrowers who repay on time so your loan can earn you rewards!

We make the process quick and easy - just use the sliders to choose how much you want to borrow and over how long, then fill out our online form for a speedy decision.

Read our guide to personal loans here or give us a call on 01534 634001 if you have any questions – we’d love to hear from you!

What is a personal loan?

A personal loan is a way of borrowing money. Typically, you receive a lump sum and agree to pay back the loan over a fixed period of time with agreed monthly payments.

Can anyone apply for finance?

Any Channel Island resident in full time employment, aged between 18 and 70 years, can apply for a personal loan.

How are loan repayments calculated?

You will have to pay interest at a fixed rate on the amount you borrow, so the total repayable includes the total interest charges and the capital borrowed (much like a mortgage). The total repayable is then divided by the number of monthly payments you have chosen, to provide a fixed monthly repayment figure.

What happens once I’ve applied for a Qi Finance loan?

Once we receive your application we will contact you either by telephone or email to ask any questions and advice about any paperwork that may be required to complete the process.

Can I transfer an existing loan to Qi Finance?

Yes. One of our most popular products is the consolidation of existing credit or loans into one affordable payment.

What happens if I miss or am late with a repayment?

Qi Finance wants to work with you to make sure your loan works for you. We encourage good behaviour such as repaying on time through rewards and incentives. If you’re struggling, rather than simply charging late payment fees we offer a range of options to help get you back on track.*

* please note that this only relates to loans underwritten by Qi Finance. If loans are brokered by Qi Finance and underwritten by a partner then their individual terms will apply.

Help and Support

The first step if you’re struggling is to give our friendly team a call - we’re here to help you find a sensible solution. The sooner you call us the more options we’ll be able to give you, remember good borrowing behaviour isn’t just repaying on time, it’s getting in touch if there’s a problem.

Help and Support

The first step if you’re struggling is to give our friendly team a call. We’re here to help you find a sensible solution – no problem is too big!


Make some money! If you refer a friend both of you can earn £50 if their application is successful.


Qi Finance is dedicated to rewarding responsible borrowing. We offer a whole range of exciting rewards and incentives to surprise you with throughout your Qi Finance loan.