Rate Drop™ Technology

Rate Drop is our exclusive loan feature that rewards on-time payments with automatic rate reductions.

Everyone starts with the same fixed APR (no confusing spreads or tiered pricing). Just make 6 consecutive monthly payments on time and your APR will drop automatically, lowering your monthly repayment too.

For loans over 12 months, you can receive two Rate Drops during the loan term. No refinancing, no reapplying, just a fairer way to repay, using our unique Rate Drop Technology.

Whatever you need it for, we’ve got you covered.

At 1Plus1 Loans, our personal loans can be used for almost any purpose — from covering unexpected expenses to making big life improvements. Many of our customers choose us for debt consolidation loans, helping them combine multiple repayments into one simple monthly payment. Others use our loans for home improvements, funding everything from new kitchens and bathrooms to essential repairs. Whether you’re planning a special event, managing day-to-day costs, or looking to improve your home, our flexible loans and unique Rate Drop™ feature make borrowing fairer and more affordable.