Personal Loans

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.

We make the process quick and easy - just fill out our online form for a speedy decision.

Read our frequently asked questions to personal loans, 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.

How are loans 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.

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.

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.

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.

Help and Support

Call our team on 01534 634001

The first step if you’re struggling is to give our friendly team a call - we’re here to help you. 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.

Get a no obligation quote today


No obligation quote - a personalised quote that won’t affect your credit rating


A quick decision - we usually give an instant online decision


8.9% APR Representative (Fixed) on loans from £3,000 – £4,999


You could borrow up to £50,000, depending on your circumstances.


12 months minimum period of repayment

60 months maximum period of repayment


The maximum apr rate that you could be offered is 29.9%

Representative example:

This is not based on your details, it is just an example to show how repayments might work for this kind of loan.

Representative 8.9% APR. Based on a loan amount of £4,000 over 36 months at an interest rate of 8.9% pa (fixed). Maximum Documentation and Administrative fees of £120.00. Monthly repayment £126.37. Total amount repayable £4,549.49.

The interest rate offered on assessment may differ and the representative rate may not be the rate that you receive. The rate you are offered will depend on a number of factors including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%

In other words…


A loan amount of £4,000


Over 36 months


With a Fixed rate of 8.9% p.a.

Pound sterling

Means a monthly payment of £126.37

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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!

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

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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.

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I needed to borrow £5,000 to help pay for my new kitchen. I knew about Quidsin through their website and when I saw that they were offering a finance service, I had to take a look.

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Thank you to Qi Finance for financing my new car! I was a brand new customer as I hadn't used their website before, but it was still the cheapest loan I could find. It was so quick and easy to organise and the staff were incredibly helpful.

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