£4,000 Loans
With a £4,000 loan, you could spruce up your home, put some money towards your wedding, or buy a new car.
Find out which loans you could be eligible for with our partner ClearScore and their trusted panel of lenders. Just like Asda Money, ClearScore is a credit broker, not a lender.
If you take out a product through ClearScore, Asda Money will receive a commission payment from ClearScore. The amount charged will be in connection with the specific product selected and so different amounts of commission are received. For more information please see our FAQs.
When you check your eligibility below you will be transferred to our partner ClearScore.

How does a £4,000 loan work?
At Asda Money, we work with our partner ClearScore, and their panel of carefully selected UK lenders, that could provide you with a loan for £4,000.
After one quick eligibility check with ClearScore, they search their wide panel and list a range of offers that meet your needs and requirements. Simply compare the available options to find the right one for you. You’ll then be able to continue on to the lender of your choice.

When can a £4,000 loan help?

A £4,000 home improvement loan is perfect for a smaller DIY project at home. You may be able to re-imagine one of your rooms or put some money towards a new kitchen or bathroom suite.
Borrowing this amount can help boost your wedding fund or help to consolidate debt too.
Please remember that by consolidating existing borrowing, you may be extending the term of the debt and increasing the total amount you repay.
How much will a £4,000 loan cost?
When you borrow £4,000 you need to pay interest on the amount you’ve borrowed. This is set by the lender and is calculated at the start of the loan to account for the interest you pay over the full loan term.
If you take out a loan with a higher interest rate, you’ll pay more over the length of the loan. Choosing a longer loan term can help keep your monthly payments down, but you may pay more in interest over the course of the loan.
Will a £4,000 loan affect my credit score?
When you complete an initial eligibility check for a £4,000 loan, our partner ClearScore perform a soft search to give you access to their panel of lenders. This doesn’t affect your credit score.
If you choose to take up one of the offers and continue onwards to that lender, they may complete a hard credit search. This will show up on your credit file.
Frequently asked questions
- What credit score do I need for a £4,000 loan?
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It depends on the criteria set by the individual lender. If you have a strong credit score and have shown responsible borrowing in the past, you’re more likely to be offered a loan with a better interest rate. If you’ve had problems borrowing and you have bad credit, this can affect the loans available to you and the interest rates on offer.
- Can I pay back my £4,000 loan early?
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Yes, you may be able to pay back your £4,000 early but it depends on the agreement that’s in place with the lender. Often, you’ll be subject to an early repayment charge, so check your terms and conditions carefully.
- Can I get a £4,000 loan without a credit check?
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When you continue on to your selected lender for a £4,000 loan from our lender panel, it’s likely they’ll perform a hard credit search on your file before releasing your funds.
- Can I get a £4,000 loan without a guarantor?
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Yes, you might get a £4,000 loan without a guarantor. The lenders on our lender panel don’t offer guarantor loans or secured loans.
More on loans
About our trusted provider, ClearScore
We’ve partnered with ClearScore to provide our customers the very best loan options from a panel of handpicked trusted lenders. Asda is in partnership with ClearScore. Both Asda Money and ClearScore are credit brokers, not lenders.
Following one simple eligibility check, your loan options with be displayed. It’s also a safe way to view your options without negatively affecting your credit rating.

Asda Money is a trading name of Asda Financial Services Ltd who are an introducer Appointed Representative of “ClearScore” is a trading name of ClearScore Everywhere Limited (formerly known as Aro Finance Limited), authorised and regulated by the Financial Conduct Authority. Address: Vox Studios, 1-45 Durham Street, London, UK SE11 5JH. Registered in England & Wales 06297533. VAT Registration Number 257 0001 44. ClearScore acts as a Credit Broker not a Lender. If you take out a product or are introduced to a third-party provider, Asda and ClearScore will receive payment from that provider; the payment received may be a fixed or variable amount dependent on the product and lender, but it will not impact the amount you pay back. Applicants must be aged 18 or over and a UK resident. For full terms and conditions please visit Asda.com/loans