Bamboo Loans

Find out if Bamboo is the lender for you: read some reviews, the pros & cons of their loans and more…

Bamboo Loans

Unsecured Personal Loan

Borrow: £1,000 to £8,000
Repay over: 12 to 60 months


4.9/5 from 27,656 reviews on Trustpilot

Representative 59.7% APR

Representative example: On an assumed loan amount of £3,000.00 over 30 months. Rate of interest 47.73% per annum (fixed). Representative 59.7% APR. Total amount payable £5,190.50 of which £2,190.50 is interest. 29 monthly repayments of £173.02 and a final payment of £172.92

* Details are correct at the time of writing, subject to change without notice.

Allcreditloansnet Representative 49.9% APR

Representative Example: Borrow £3,250 over 36 months at a Representative Rate of 49.9% APR at an annual interest rate of 41.16% (fixed), you pay 36 instalments of £158.57. Total charge of credit is £2,464.57, total amount payable £5,714.67.

What does representative APR mean?

Bamboo Loans Online Reviews

4.9/5 from 27,656 reviews on Trustpilot

See 10 recent reviews:

  • ⭐⭐⭐⭐⭐

    Great loan if you have bad credit

    Great loan if you have bad credit history. And money paid in to bank account next day. Personally me didn’t needed any future check. Filled in application and been accepted.

    Guntis Supe
    Guntis Supe
    17 October 2022
  • ⭐⭐⭐⭐⭐

    I am really happy with my experience

    I am really happy with my experience with bamboo up to now I found filling in the application on line pretty easy and simple to do and was very grateful I was able to receive what I applied for and will look forward to being a good customer for now and in the future

    Mrs Susan Rees
    Mrs Susan Rees
    25 October 2022
  • ⭐⭐⭐⭐⭐

    This was an easy and uncomplicated

    I’ve used This service twice in the last year and both times dealing with Melissa at the Hull Branch…
    This was an easy and uncomplicated process all done on line except for one short phone call, I did not have to wait at all for the call to be answered and rep was pleasant and talked me through what I needed to know, I would recommend

    Jane Guvenir
    Jane Guvenir
    31 October 2022
  • ⭐⭐⭐⭐⭐

    Fast service and easy application

    Fast service and easy application all online to make it even easier. All communications straightforward and easy to confirm all documents

    03 November 2022
  • ⭐⭐⭐⭐⭐

    I reached your site through Experian

    I reached your site through Experian so I knew you were genuine . The person I spoke to on the telephone was helpful.and professional. The application was comparatively simple.

    01 November 2022
  • ⭐⭐⭐⭐⭐

    A 5 star company

    The easiest of applications ever, what a wonderful company to deal with. I put my application in Sunday Evening all done and dusted 10 am Monday Morning will recommend them very highly .

    David Mcallister
    David Mcallister
    31 October 2022
  • ⭐⭐⭐⭐⭐

    Very quick and helpful

    Very quick and helpful – simple to follow process. Good rates and minimal fuss, fully recommend to anyone who needs a loan

    Steve Hill
    Steve Hill
    03 November 2022
  • ⭐⭐⭐⭐⭐

    Great service

    Great service, very easy and quick. I had to call them and the chap was very helpful over the phone and sat on the line whilst I completed my loan application.

    John D
    John D
    02 November 2022
  • ⭐⭐⭐⭐⭐

    The online application was easy

    The online application was easy to follow and fill in. Reassuring to have phone conversations as well, members of staff friendly and helpful. Altogether a very positive experience. With thanks to all the bamboo team!

    28 October 2022
  • ⭐⭐⭐⭐⭐

    It was so easy to get my loan

    It was so easy to get my loan and I did it all from my smartphone. It was swift and I had the money in my account less than 48 hours after applying.

    24 October 2022

Loan Features


APR from 26.9% to 69.9%

Arrangement fee: £0

Early repayment fee: £0

Late payment fee: £0

Minimum Criteria

Must be a UK resident

Must be aged 18 years or over

You will need to be in full time employment

Loan Highlights

For those with a bad credit history

Lots of good online reviews

Help on improving your credit rating on their website

Con’s 👎

APRs can go up to 299.8% depending on your credit history and personal circumstances.

If the closest branch in not local, then you’ll have to apply online.

The Basics ✍️

Applying to them won’t affect your credit score as they use Soft Searching Technology.

You need to be over 18 years old.

You must be able to comfortably afford the monthly loans repayments.

You must be a UK resident.

Loans are not allowed for business, gambling, or illegal purposes.

Pro’s 👍

They have local branches where you can speak to someone real!

You don’t have to be a homeowner.

They offer loans to tenants and loans to people living with their parents.

They can give you a conditional decision in minutes.

About Bamboo Loans

Bamboo Loans were formed in 2014 in Southampton and provide both personal and guarantor loans. Today they only specialise in unsecured personal loans from between £1,000 and £8,000.

For many years we have partnered with Bamboo and have consistently found them to be a highly professional company, as shown by their numerous positive online customer reviews.

Bamboo does not require a perfect credit rating so is a great alternative to a bank loan.

One perk Bamboo offers are repeat or top-up loans for repeat customers; repeat loans are for customers who have finished paying off a loan and need to borrow more. Top-up loans are for existing customers that need to borrow more.


Bamboo says

“with our loans, the money could be in your bank account today if we get your application before 3 pm” 😊

When you have a valid pre-approved offer from Bamboo, you will get the loan amount, term, and rate you were offered 👍

This is subject to the details provided in your application being

  • Accurate and correct
  • Not changing

24 hours 🗓️

  • When you get an online pre-approved from Bamboo, it’s normally valid for 24 hours.
  • Note, when you start your application on Bamboo’s website, you’ve 3 days to complete the application process.

No 🤗

  • and Bamboo do not charge any application or upfront fees for loans
  • Bamboo also does not deduct fees from the loan advance

Company Info

Companies House Info

Co Reg No: 05629336


Address: 1st Floor, Grenville House, Nelson Gate, Southampton, England, SO15 1GX

FCA Registration

FCA Ref No: 720565

Firm Name: Bamboo Limited

Principal Place of Business: 1st Floor, Grenville House, Nelson Gate, Southampton, SO15 1GXS, UNITED KINGDOM

Data Protection Info

Reg No: Z1380902

Data Controller: Bamboo Limited

Address: 1st Floor, Grenville House, Nelson Gate, Southampton, SO15 1GX

Other Names:

  • Bamboo
  • Bamboo Finance
  • Bamboo Loans
  • First Banco
  • Panda Loans

Get Accepted for a Loan

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