Chances are you're in a better borrowing position than you thought. We invite you to apply for the loan amount you have in mind. A lower score simply means we'll work a little harder to try and give you the answers you're looking for.
Personal Loans are available from 1 to 4 years, sometimes longer depending on the amount borrowed. Your loan will normally be based on a fixed interest rate, and you can of course pay it off at any time.