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Based on 83 reviews

Borrow up to 80% of your expected inheritance value.

Waiting on probate can take months. Meanwhile, costs keep building.

Our inheritance loan allows you to borrow a portion of your inheritance ahead of settlement - avoiding stress and delays.

We work alongside you, professional firms, and executors to make the process simple, transparent, and fair.

Your inheritance loan is typically settled when your estate is. No surprises, just space to focus on what matters most: closure and clarity.

Enquire nowSpeak to our team
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When everything's on hold, we help you move forward.

Borrow up to 70% of your expected inheritance value pre-probate, or 80% post-probate.

  • Loans from £10,000
  • No monthly repayments; everything is repaid when the estate is settled
  • We charge a 2% arrangement fee - no other hidden fees or surprise costs
  • Fast approvals, often within days
Why choose Untangled

Get funded in three steps

1

Submit an enquiry

Complete our enquiry form on our website to let us know your interest in a loan with us.

2

Fill out the application form

A member of our team will provide you with the application form to complete. Prepare key documents, such as the Will, Grant of Probate (if available), and estate details. You can also ask your professional firm for a referral.

3

Your application will be reviewed

We’ll assess your application promptly and conduct a credit check as part of our responsible lending process. You'll be informed when a decision has been made.

4

Your funds are unlocked

If approved, you’ll review and e-sign your agreement. We then verify the details with your professional firm or the executor before transferring funds to your nominated account.

Got questions?

Our FAQs answer the questions we hear most from our customers and partners.

Visit FAQs

What you need to know

We want to help you understand how this loan works and what it could mean for you:

  • The loan amount, including interest and any charges, will be repaid from the proceeds of your inheritance.
  • The loan is repaid before any payment is made to you, which may delay or reduce the inheritance you ultimately receive.
  • If your inheritance proceeds are not sufficient to repay the loan in full, you will not usually be responsible for paying any shortfall.
  • If you breach the terms of your loan agreement, or if your inheritance is not received within 12 months, the loan may become repayable before any inheritance is received.

What you'll pay and when

Fair, flexible funding.

When everything is on hold, we help you move with funding that’s simple and without pressure. 

For example:

If you borrow £15,000 and repay after 12 months, the total repayment would be £18,169. This includes £2,869 in interest and a £300 arrangement fee (at 18.75% annual interest and representative APR of 21.2%).

Disclaimer: This example is for illustrative purposes only. Actual rates and terms may vary.

Use our calculator to see how much you may be able to borrow.
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Has Probate been granted for the estate?*
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How repayment works

Your loan is typically repaid once the estate is realised, so there’s nothing to pay before then.

In rare cases, like if the loan terms are breached or your inheritance is not received within 12 months, repayment may be required before your inheritance is received.

We do not provide legal or financial advice. If necessary, please seek independent advice.

Enquire now

Am I eligible for an inheritance loan?

You can apply if:
  • You're over the age of 18
  • Both you and the estate are based in England, Wales or Scotland
  • You have lived in England or Wales for at least 12 months
  • You can provide: a death certificate, evidence of your entitlement, and supporting evidence of the amount you’re due to receive
Enquire now
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Why choose an Untangled inheritance loan?

Without Untangled
Purpose-built

Traditional borrowing options aren’t tailored for estate administration or legal timelines, which can create pressure when funds are needed quickly

Repayments

Other funding options may mean repayments start immediately, often with fixed schedules and some funding may be subject to early repayment fees

Transparency

You may incur hidden fees, additional costs, or be subject to compound interest

Expert support

Other options typically offer general customer support with limited legal understanding

Peace of mind

Conventional funding methods may not understand what you're going through

With Untangled
Purpose-built

Our loans are designed specifically for inheritance and probate cases, handled directly between Untangled and yourself or your professional firm

Repayments

Funds are repaid only when your inheritance is received. No monthly payments are required

Transparency

No hidden fees or early repayment penalties. Simple interest to avoid complexity

Expert support

Our team are specialists in probate and legal lending

Peace of mind

We care about what you are going through and want you to feel supported during life's toughest times

Your other funding options

Everyone’s circumstances are different, and it’s important to consider all your choices before making a decision about your loan.

Some other options that people consider are:

  • Personal loans from banks or online lenders
  • Credit cards for short-term access to funds
  • Support from family or friends
  • Bridging or secured loans for higher-value borrowing
  • Waiting for estate funds until the legal process is complete

Every option has its place, but if you’re looking for a loan that puts you first and is tailored to inheritance and probate cases, we’re ready to help.

Enquire now
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Excellent
Based on 82 reviews
Based on 70+ reviews

*Untangled was formerly known as Ampla Finance.

Quick response times

Quick response times, and willing to negotiate for the best interest of the clients.

Jessica, 13th April 2026

Professional and Brilliant.

Sam and Kish once again have delivered a professional lovely service tous given the unique circumstances we were facing. Deeply grateful to Ampla Finance for a brilliant team and services. Thank you. Jacqueline.

Jacqueline, 5th March 2026

Five stars for Ampla Finance!

I had a very positive experience with Ampla Finance. From the beginning, they were professional, clear, and supportive throughout the entire process. Everything was explained step by step in a way that was easy to understand, and I never felt rushed or pressured at any point. What could have been a stressful situation was made much more comfortable thanks to their patience and reassurance. I felt fully informed and confident in each stage of the process. I would definitely recommend Ampla Finance to anyone looking for a straightforward and professional service.

John, 17th February 2026

FANTASTIC SERVICE

William Dorey, Becky Dixon and Kish Kerai have provided a seamless process for a not so straight forward deal. Their communication has been top tier and I look forward to working with them again soon! All incredibly knowledgeable and responsive throughout.

Chloe, 16th February 2026
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What makes our inheritance loans different

Our loans are built around real people, real pressure, and real timelines.

We ensure our clients get:

  • Decisions in days, not weeks
  • No jargon, no hidden costs
  • Dedicated contacts for executors and professional firms
  • Lending that supports both clients and advisors to achieve better outcomes

Our inheritance advance loans cut the confusion, not corners.

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Practical guides for
life's challenges

Our lending experts have created family law, probate, and property guides to give you clarity, explain your options, and help you take the next step with confidence.

All guides

life doesn't
happen neatly.

Our loans help keep you steady when everything else feels shaky. We fund quickly, clearly, and without judgement.

 

Enquire now

Ampla Consumer Finance Limited (trading as Untangled) is authorised and regulated by the Financial Conduct Authority for Consumer Credit. FCA Firm Reference Number: 792153.

Ampla Consumer Finance Limited is registered in England and Wales (Company No: 10906534. Registered office: 288 Bishopsgate, London EC2M 4QP.

Credit is subject to status and affordability checks. Terms and conditions apply. We act as a lender and do not provide regulated financial advice.

Untangled Loans Limited is registered in England and Wales (Company No: 16680123. Registered office: 288 Bishopsgate, London EC2M 4QP.