FOR INDIVIDUALS

Personal Finance

Lending built around your life, from everyday credit to major assets.

Personal lending for individuals and households — from small everyday credit lines through to mortgages and major-asset finance. Clear terms, fast decisions, and products matched to each life stage.

Products

FCA

Regulated

Indicative

Rates

Digital

Application

Micro & Everyday Credit

Small-ticket and revolving everyday credit.

Buy Now Pay Later (BNPL)

Spread the cost in instalments — 0% representative, subject to terms.

Amount: £50 – £3,000

Rates from 0.00% APR, representative subject to credit assessment

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Nano Loans / Microcredit

Small, short-term credit — rates from 19.9% APR, representative.

Amount: £100 – £5,000

Rates from 19.90% APR, representative subject to credit assessment

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Overdrafts & Revolving Credit Lines

Flexible revolving credit — rates from 14.9% APR, representative.

Amount: £500 – £15,000

Rates from 14.90% APR, representative subject to credit assessment

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Standard Personal Lending

Core secured and unsecured personal loans.

Featured

Unsecured Personal Loans

Borrow without collateral — rates from 6.9% APR, representative.

Amount: £1,000 – £50,000

Rates from 6.90% APR, representative subject to credit assessment

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Secured Personal Loans

Larger sums against an asset — rates from 5.9% APR, representative.

Amount: £5,000 – £100,000

Rates from 5.90% APR, representative subject to credit assessment

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Major Life Assets

Finance for homes, vehicles and major assets.

Featured

Residential Mortgages

Home financing — rates from 3.9% APR, representative.

Amount: £50,000 – £2,000,000

Rates from 3.90% APR, representative subject to credit assessment

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Auto Loans & Leases

Finance your next vehicle — rates from 4.9% APR, representative.

Amount: £5,000 – £75,000

Rates from 4.90% APR, representative subject to credit assessment

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Home Equity Lending

Release value from your home — rates from 5.9% APR, representative.

Amount: £10,000 – £500,000

Rates from 5.90% APR, representative subject to credit assessment

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Reverse Mortgages (UK: Equity Release)

Access housing wealth later in life — indicative terms apply.

Amount: £25,000 – £1,000,000

Rates from 5.90% APR, representative subject to credit assessment

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Education & Growth

Student and sustainability-focused personal lending.

Green Personal Sustainability Loans

Fund greener choices — rates from 4.9% APR, representative.

Amount: £1,000 – £50,000

Rates from 4.90% APR, representative subject to credit assessment

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Student Loans

Fund your studies — rates from 4.9% APR, representative.

Amount: £1,000 – £25,000

Rates from 4.90% APR, representative subject to credit assessment

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Build with confidence. Borrow with clarity.

Whether you're financing growth or growing wealth, Crest Rock supports you with FCA-regulated solutions.

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FCA Authorised · Segregated Accounts · No Hidden Fees