Responsible lending
built around you
Transparent, affordable personal loans for UK residents. We assess what you can genuinely afford — not just what you ask for.
Loan Calculator
See your estimated monthly repayment
Soft credit check · No impact on credit score
Why choose Sycamore?
We combine fair lending principles with modern technology to give you a loan experience that respects your situation.
FCA Regulated
Fully authorised and regulated by the Financial Conduct Authority. Your protection is our priority.
Fast Decisions
Our automated affordability checks mean you get a lending decision in minutes, not days.
Transparent Pricing
No hidden fees, no nasty surprises. Every cost is clearly displayed before you commit.
Fair Treatment
We follow the FCA Consumer Duty principles, ensuring every customer receives fair outcomes.
Soft Credit Check
Checking your eligibility uses only a soft credit search — completely invisible to other lenders.
Data Protection
Your data is protected under UK GDPR. We are registered with the ICO and never sell your data.
How it works
Apply in minutes. Get a decision fast. Receive funds when you need them.
Check Eligibility
Answer a few quick questions about your financial situation. No credit score impact.
Get a Decision
Our affordability assessment reviews income and expenditure to find the right loan for you.
Review Your Offer
Read your personalised SECCI document with full details of your loan before committing.
Receive Funds
Once approved and signed, funds can be transferred to your account the same day.
Our loan products
Simple, clear products with no surprises. Representative APR 39.9%.
Personal Loan
For everyday needs and planned expenses
Home Improvement Loan
Finance your home renovation projects
Debt Consolidation
Combine multiple debts into one payment
Regulated by the FCA
Sycamore Capital and Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA). We operate under the Consumer Credit Act 1974 and adhere to the FCA's Consumer Duty.
Ready to get started?
Check your eligibility in minutes with a soft credit search — no impact on your credit score.
Representative APR 39.9% · Rates from 9.9% APR · Loans subject to status