We Compare 100's of loans from leading lenders
Finding the right secured loan can be challenging enough, as it is a big responsibility to take on, let alone if you want to include income from an additional source.
Whether you earn extra money from a bonus, commission or a second job, you may not know if a lender will accept it as a valid form of income. This can also be the case if you are working a probationary period or have recently started a new job.
To make things clearer, we’ve put all the answers you need in one place, which will help you make a more informed decision about what to do next.
If you are currently employed in a role that provides commission based on performance, we work with lenders that will accept this as a form of income.
They will want to know more about the frequency of the commission and how much of it accounts for your total income. This is usually done by supplying payslips and/or yearly tax statements to verify your income, which is a normal part of any secured loan application.
To get a better understanding about your eligibility for a secured loan if you want to include commission as a form of income, you can speak with one of our expert advisors to get more insight.
Some specialist lenders are happy to lend to people whose income is generated solely through commission, which is decided on a case-by-case basis.
This type of worker does not receive a base salary and instead earns a percentage of their sales without any other compensation.
One of the main affordability criteria lenders will look at is consistency of earnings, which will require you to submit payslips and/or annual tax statements across a certain period, they may also look at your experience in the role. Ideally If we can show consistent income for 12 – 18months we should have a good chance.
Secured loan lenders understand that income can be generated in lots of ways. This is especially true when it comes to income generated from overtime, as it comes in lots of different forms.
For example, if you want to include non-regular or fluctuating overtime as part of your income, this can be accepted by some lenders. There is usually a minimum amount of overtime they are willing to consider, as this helps to ensure that the loan is affordable for you.
Regular and guaranteed overtime is also usually accepted by lenders, which can be confirmed by providing recent payslips and related documents.
If you’re unsure about how much or what type of overtime to use as income in your secured loan application, you can speak with a member of our team today who will be happy to help.
If you are receiving guaranteed bonuses from your employer, some lenders will let you use up to 100% of their value, provided you can prove they are regular.
You will probably be asked to supply recent payslips and annual tax statements, which will give the lender more information about the value of the bonuses and how consistently you received them.
Lots of people have second – or even third – jobs so it is a perfectly normal way of creating a sustainable income.
This is why lenders are generally happy to accept all the income generated from a second job. They may want to know a little more information, such as how many hours you work in both of your roles or how sustainable your total income is, which can be done by providing relevant salary documents.
Get in touch to learn more about the typical questions asked by lenders and documents they usually request, and we can help you find a lender that falls in-line with your budget.
Being on a probation period shouldn’t affect your secured loan application with some of our lenders, especially if you are in a role similar to the one you were previously employed in.
Providing a copy of your employment contract and most recent payslips may also be enough for some lenders to accept your application.
Getting a quote won’t affect your credit score
In most cases, secured loan lenders prefer people to have been employed in their current job for a continuous period of at least 3 months.
But there can be lenders that will accept less, with some able to consider one month of continuous employment, provided it is part of 3 months consecutive employment history.
Depending on the lender you apply with, you’ll need to supply the relevant number of payslips and any other requested documents.
If you are relatively new to your current role and aren’t sure if the employment period will make you eligible, give us a call and we can run through some basic checks to get you started.
We’re extremely proud to be rated ‘Excellent’ for our service standards. We’ve helped thousands of customers across the UK over the last 15 years to find the right finance for their needs – no matter how complicated the circumstances. And we look forward to helping you.
Willows help people who are employed in all types of jobs, and we do everything possible to help them find the best deals at competitive rates, Our Guide on Other income sources may also be helpful.
Our specialist brokers use their experience and expertise to guide you through the different stages of the application process and are there to offer support from beginning to end.
We’re available right now to answer any questions you have about getting a secured loan if you are unsure about your income or employment status. You can get in touch with us by calling 01656 766 158 and they’ll be more than happy to help.
If you have a question – we’d be happy to talk to you – simply call us…
(Mon-Fri 9am-8pm, Sat 10am-1pm)
See why we're rated
Helpful and Efficient
I would highly recommend Willows Finance. They helped us organise finance recently and were efficient, transparent and proactive throughout the process. They understood our needs, identified and explained the solution clearly, and helped us to seemlessly complete the application. Thank you Willows!
S Hampton
Helpful and informative staff …
Willows finance have been extremely helpful and efficient in finding me a loan, I feel I’ve had just the right amount of contact not too pushy or overbearing, however they did chase me when I was slow with paperwork etc which was not a bad thing and ended in me receiving a loan in a timely manner.
Julie
10 out of 10 service
Willow finance were great start to finish, they always answered promptly and it was so helpful that they were able to communicate via WhatsApp as I couldn’t always be available for phone calls. Willows Team was patient, answered all my questions and endeavoured to make the process as seamless as possible. I would definitely recommend Willow and would use their services again if I ever needed it!
Faultless service
Great communication and very straightforward process. Everyone I dealt with was knowledgeable and helpful and replied really quickly to any queries I had. Would 100 percent recommend.
Sarah
Helpful
Helpful, understanding and very responsive.
Laura N.
If you are looking for a company that really does put their customers first then look no further.
If you are looking for a company that really does put their customers first then look no further. Their service is second to none. A personal thank you to Willows team who helped me no end.
Nicola
LOANS ARE SECURED AGAINST PROPERTY. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED UPON IT.
Willows Finance is a credit broker not a lender using a representative panel of lenders. We work with a Panel of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration.
For credit broking, we do not provide or offer advice or recommendation. Whichever lender we introduce you to we will receive commission from. Different lenders pay different amounts based on different commission models and interest amounts. For transparency we work with the following commission models: percentage of the amount you borrow, rate for risk (this is based on the risk profile of the proposal).
Willows Finance Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority FCA register number is 670052. We are registered under the Data Protection Act No. Z1447660 and are a member of the Association of Finance Brokers.
Willows Finance Limited registered address is Brocastle, Bridgend CF35 5AS. Company registered in England.
Registration number 6678545. Copyright © 2025 Willows Finance Ltd
Legal
At Willows Finance we ensure your personal information is kept secure and confidential.
PRIVACY OF YOUR INFORMATION
At Willows Finance Ltd, we appreciate that your privacy is extremely important to you. With this in mind, we have put in place a number of measures to ensure that any personal details we obtain from you as a result of visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1988.
This statement provides you with details of the type of information we may hold about you, how we obtain and use information and how we protect your privacy.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Let us know what you're looking for today
