Bamboo Loans

25672 reviews

Representative 59.7% APR

Will lend between: £1,000 - £8,000

Over: 12 - 60 Months

Representative example: If you borrow £3,00.00 over 24 months. Rate of interest 47.73% per annum (fixed). Representative 59.7% APR. Total amount payable £4,711.38 of which £1,711.38 is interest. 23 monthly repayments of £196.31 and a final payment of £196.25

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Representative 49.7% APR.

Bamboo Loans customer reviews.

25672 reviews

4.9 out of 5 stars

Our review of Bamboo Loans

Bamboo Loans are a Southampton-based lender, set up in 2014. They offer unsecured personal loans of £1000 to £8000, repaid over 1 to 5 years. Bamboo loans exist to help those who maybe cannot be helped by highstreet banks. Although they have a Representative 69.9% APR the rates they offer are tailored to each customer’s circumstances and so will differ by individual.

Reviews for Bamboo Loans online are excellent, TrustPilot has a number of reviews commending the simplicity of their application process, the speed of payout and the efficiency of their staff.

My verdict: Bamboo Loans are a reputable loan provider with all the main product features you’d expect from a modern lender. Praised heavily for their simple application process and friendly customer service you are sure to have a good experience with Bamboo. However, be sure this is the right product for you as if your credit history is squeaky clean there are cheaper options available.



Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • You don’t need perfect credit history
  • Easy payment management with online portal
  • Your guarantor can be your partner
  • Your guarantor does not need to be a homeowner

Minimum criteria

  • You and your guarantor must be over 21
  • Your guarantor will need a good credit rating
  • Your guarantor must not be a customer of Bamboo
  • Your guarantor will need a UK bank account
  • Your sole income cannot be from Job Seekers Allowance


  • Maximum APR 59.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £12

Bamboo Loans Customer Question & Answers

Total question and answers: 2


If I have a good credit hestory and have a full time job. Do I still need to have a guarantor or not
Obidullah dustokheil , at 5:37am 11/03/17


At Bamboo we offer both unsecured personal loans and guarantor loans. You can get a free quote on our website with no impact on your credit score, and based on our quick check if you are eligible you will be given a choice of unsecured or guarantor loans. See which loan you can apply for at Representative 49.7% APR. Kind regards, Bamboo.
Answered in 2 days by Dear Obidullah dustokheil


I have applied for a loan and was approved for how long is the approved letter valid or should i re-apply?
Benediktus Isaaks, at 9:03am 15/02/17


Dear Benediktus Isaaks, If you have made a Bamboo loan application, please just contact our customer service team on 0330 045 0490 or email us at [email protected] with your details so we can look into this and get back to you as soon as possible. Kind regards, Bamboo.
Answered in 3 hours by Dear Benediktus Isaaks

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About Bamboo Loans

Southampton-based Bamboo Loans offers online personal unsecured loans. They lend amounts between  £1,000 and £8,000 at an advertised Representative 69.9% APR. It is worth noting that if approved, the actual rate you’ll be offered will be determined by your personal circumstances and credit profile.

A Bamboo loan can be used for a variety of things, ranging from home improvements, dealing with an emergency or even consolidating multiple debts into one monthly payment. In order to apply for a loan with Bamboo you must be a UK resident (not from the Channel Islands or Isle of man), at least 18 years old,  have a valid UK debit card, not be bankrupt and of course, be able to afford the monthly payments. If you tick those boxes Bamboo, will consider every case individually and will look at your unique circumstances before making a decision. This means if you are yet to build up a good credit history, Bamboo will still consider you for a loan.

If you want to check whether or not you will be accepted for a Bamboo loan and compare them against similar products then click “Will I get accepted?” above and start a Choose Wisely loan search. It takes 2 minutes and won’t impact your credit score.

Company information

Registration number: 05629336

0330 045 0490

Bamboo Limited

FCA registration

Reference No: 720565

Trading names: Bamboo Limited

Place of business: Bamboo Limited, 1st Floor, Greenville House, Nelson Gate, Southampton, SO15 1GX

Data protection registration

Registration No: Z1380902

Data controller: Bamboo Limited

Address: Bamboo Limited, 1st Floor, Greenville House, Nelson Gate, Southampton, SO15 1GX

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Warning: Late repayment can cause you serious money problems. For help, go to