Bamboo Loans

Here at Little Loans, we’re proud to work with a panel of trusted, responsible lenders who are as committed to excellent customer service as we are.

We’d really like to take this opportunity to tell you about all about one of the lenders on our panel: Bamboo.

Who is Bamboo

Bamboo Loans is a direct lend of personal loans.

For five years running, between 2017 and 2022, Bamboo Loans won Best Personal Loan Provider at the Consumer Credit Awards.

They have teams based in both Southampton and London, and are represented by loveable mascot, Boo the Panda.

How much money can I apply for with Bamboo Loans?

Bamboo offers unsecured loans from £2,000 to £15,000.

What sort of repayment terms do Bamboo Loans offer?

Depending on how much money you’re approved to borrow, you could repay your loan over a set term between 12 and 60 months.

What Representative Annual Percentage Rate (APR) do Bamboo advertise?

Bamboo currently advertise a Representative APR of 69.9%.

If you were to borrow £2,500 over a 24-month term with a fixed annual interest rate of 54.2% and a Representative 69.9% APR, the total repayable amount would be £4,145.76.

£1,645.76 of this is interest, which is broken down and included in 24 monthly repayments of £172.74.

Is Bamboo regulated?

Yes, Bamboo Loans are authorised and regulated by the Financial Conduct Authority (FCA). Their FCA reference number is 720565, and you can find their details on the register here.

How do Bamboo’s customers rate them?

As of May 2024, Bamboo Loans are rated excellent on Trustpilot. They have over 30,000 reviews, and 92% of these are 5*.

Can anyone apply for a loan with Bamboo?

Bamboo state that in order to be classed as eligible to apply for a loan with them, you must:

  • Be over the age of 18;
  • Be a UK resident;
  • Have a UK debit card;
  • Be in either part-time or full-time employment, or retired; and
  • Have a good credit rating and be in a position to be able to manage your monthly repayments.

How does the Bamboo Loans application process work?

Bamboo Loans accept online applications, and advise that the process can be completed in four steps.

  1. Let Bamboo know how much money you need to borrow, and for how long. Complete the online form and provide some basic details. Bamboo will look into your information and get back to you with a quote. This stage will have no impact on your credit score.
  2. If you’re happy with the quote offered and you decide that you’d like to proceed with the loan, you can go ahead and make a full application.
  3. Submit any further relevant documents online – Bamboo will let you know what you need to provide to enable them to run a hard credit search on your financial history.
  4. Get your results. Once your documents have been assessed and the checks completed and the team are satisfied with the outcome, your results will become available. This is usually within 1-2 days.

How quickly can I get my money?

Bamboo Loans advise that they pay out approved funds twice a day, excluding weekends and Bank Holidays.

Generally, if your loan agreement is signed before 3pm, you can expect your money to be paid directly into your bank account before midnight the same day.

Agreements signed after 3pm, or on a weekend or Bank Holiday, should be sent by 1pm the following weekday.

You should bear in mind that the time it takes for the funds to show in your account will depend on your bank’s policies and procedures.

How can I manage my Bamboo loan?

Once approved, you will be able to access your information and manage your loan through an online account. Here’s the Bamboo login page for existing customers.

What happens if I’m struggling to repay my Bamboo loan?

Bamboo’s website states that they have ‘several options available to those who are struggling to pay,’ and urge customers to contact the team, who are trained in assisting customers going through financial difficulties.

We’ve listed the various ways that you can get in touch with Bamboo Loans in the section below.

I checked my eligibility at Little Loans and was matched with Bamboo. Who do I contact if I need to speak to someone?

Little Loans are a credit broker. If you’ve been approved with one of the lenders on our panel and have a query relating to your loan, you should contact the lender directly.

How can I get in touch with Bamboo?

For existing customers

Find the existing customers dedicated help page here.

Call: 0330 159 6015*

Contact the team via the live chat facility**.

For existing customers wanting to top up their loan or borrow more money, Call: 0330 159 6014


New applicants and general enquiries

Call: 0330 159 6013



1st Floor Grenville House,
Nelson Gate
SO15 1GX

Phone and live chat availability times vary. Please visit Bamboo’s Contact Us page for further information.

Where can I find out more about Bamboo Loans?

You can find out more about Bamboo Loans on their official website, which also includes a helpful FAQ section covering a range of topics.

Check out our 4.8 star rating on Feefo

See more feefo reviews

Straight forward

“Easy pleasant service, quick decision and easy account management.”

Laurissa Marsden

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender