In the UK, you can usually apply for personal loan products online via banks, lenders, or brokers. Conduct research to find a lender that suits your needs, and check that you’re eligible on their website. You’ll need to provide details about your finances, including income, outgoings and address, and the lender will conduct a check on your credit report to verify your information. Once you’ve passed the checks, the lender will let you know what the outcome is and if you are eligible.