We assess the person behind the credit file.
Representative Example: £15,000 over 72 months, 30.9% APR fixed. Monthly payment £424.83. Annual interest rate 26.35% fixed. Interest payable £15,288.76. Total repayable £30,587.76, which includes a £299 lender fee.
Apply
Complete the online application and provide digital bank statements via Experian’s Affordability Passport.
Review
Our underwriters will review your application, usually within a working day.
Complete
If your application is approved, funds will be released within a working day.
Who are Norwich Trust?
We are a trusted UK direct lender based in Norwich, Norfolk, who provide unsecured homeowner loans. We help homeowners across the UK access affordable finance without securing the loan against their property. Norwich Trust was incorporated in 2020 and we began lending under the Norwich Trust brand in 2024. As part of the Norfolk Capital Group, we benefit from more than 30 years of experience supporting people who may have been declined by high street lenders or have less-than-perfect credit. We are proud to have an Excellent Trustpilot rating, reflecting our commitment to outstanding customer service and positive customer experiences.
Whether you're looking to consolidate existing debts into one manageable monthly payment, fund a home improvement project, cover unexpected expenses, or achieve other financial goals, our experienced team is committed to finding a solution that works for your circumstances and we aim to get a decision to you within a working day.
At Norwich Trust, we believe borrowing should be straightforward, transparent, and focused on achieving positive customer outcomes. We take the time to understand your individual needs, providing clear guidance throughout the application process ensuring every loan is both responsible and affordable.
Our mission is to make unsecured homeowner loans accessible to those who need them most, helping customers across the UK move forward with confidence—even when traditional lenders have said no.
How we can help
Refused credit elsewhere?
We may still be able to help!
Humans not bots
All our loans are reviewed by a human!
Building a better future
We can help you rebuild your credit score!
Any questions?
We hope you'll find the answers to all of your questions here, if not just give our friendly team a call on 01603 801 910.
We do a soft credit search when we check your eligibility which won't affect your credit score and won't appear if other firms do a credit search. If your loan is approved the search will become a "hard search" at which point it will appear on your credit file and may affect your credit score.
Norwich Trust charges a £299 fee but there are no upfront costs for making an application. The fee is added to the loan amount and is included in the monthly repayments.
Experian’s Affordability Passport allows you to securely share your digital bank statements with regulated financial service providers. This information allows us to assess your financial situation and make a decision about your loan.
Read more on our Experian FAQs
Yes. You can change your mind at any time before the loan completes. If you change your mind after the loan completes, you'll need to let us know within 14 days, and pay back the total loan amount within 30 days.
Yes. Whether you own your home outright or have a mortgage, as long as you are named on the deeds to a UK property, you can apply for a Norwich Trust loan.
Norwich Trust's rates are based on the loan and term you apply for, rather than your credit score. This means that the rate you're quoted is what you get.