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Loan Comparison
Compare personal loans
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Recently added
8.9%
Starling Bank Personal Loan
PersonalStarling customers who need a small, short-term loan with no paperwork.
- APR
- 8.9–24.9% |
- Amount
- £500–£5k |
- Term
- 3–36mo |
- Decision
- Instant
18.0%
iwoca Business Loans
BusinessThese loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.
- APR
- 18.0–49.9% |
- Amount
- £1k–£500k |
- Term
- 1–24mo
8.9%
Zuto Car Finance
AutoBest suited for UK residents looking for competitive rates on car loans with access to various lenders.
- APR
- 8.9–49.9% |
- Amount
- £1k–£75k |
- Term
- 24–60mo |
- Decision
- Decision in 60 seconds
99.9%
Lending Stream Short-Term Loan
Short-TermIndividuals with low credit scores who need emergency funds and can repay within the short term.
- APR
- 99.9–1333.0% |
- Amount
- £50–£1.5k |
- Term
- 3–6mo |
- Decision
- Minutes
—
Loqbox Credit Builder
Credit BuilderAnyone starting from scratch or rebuilding credit who wants to build savings at the same time.
- APR
- — |
- Amount
- — |
- Term
- —
4.79%
Shawbrook Bank BTL Mortgage
MortgageProfessional landlords and portfolio investors needing a lender that can scale from small BTL to multi-million pound portfolios
- APR
- 4.79% |
- Amount
- — |
- Term
- —
3.9%
Lloyds Bank Debt Consolidation Loan
ConsolidationBorrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.
- APR
- 3.9–29.9% |
- Amount
- £1k–£50k |
- Term
- —
5.1%
Virgin Money Personal Loans
PersonalThese loans are best suited for individuals seeking a straightforward, online application process with no early repayment charges.
- APR
- 5.1–29.9% |
- Amount
- £1k–£25k |
- Term
- 12–60mo
6.9%
Funding Circle Business Loans
BusinessIt's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
- APR
- 6.9–29.9% |
- Amount
- £10k–£500k |
- Term
- 72–72mo
4.9%
It's ideal for UK residents seeking flexible car finance options with quick dealership approvals.
- APR
- 4.9–19.9% |
- Amount
- £4k–£100k |
- Term
- 12–60mo |
- Decision
- Same day via dealer
—
Wollit Credit Builder
Credit BuilderRenters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.
- APR
- — |
- Amount
- — |
- Term
- —
3.47%
Vida Homeloans BTL Mortgage
MortgageRate-conscious BTL landlords wanting the lowest possible fixed rates
- APR
- 3.47% |
- Amount
- — |
- Term
- —
3.9%
Halifax Debt Consolidation Loan
ConsolidationBorrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.
- APR
- 3.9–29.9% |
- Amount
- £1k–£50k |
- Term
- —
5.9%
Zopa Personal Loan
PersonalIndividuals with a credit score of 650 or higher seeking a personal loan for various purposes.
- APR
- 5.9–34.9% |
- Amount
- £1k–£35k |
- Term
- 12–60mo |
- Decision
- Minutes
5.9%
This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.
- APR
- 5.9–24.9% |
- Amount
- £4k–£100k |
- Term
- 12–60mo |
- Decision
- Same day decision
—
Creditspring Credit Builder Loan
Credit BuilderPeople with poor or thin credit files who want to rebuild their score through regular, affordable repayments.
- APR
- — |
- Amount
- — |
- Term
- —
9.69%
Central Trust Second Charge Mortgage
MortgageHomeowners with varying credit histories who need funds for debt consolidation or home improvements.
- APR
- 9.69–13.1% |
- Amount
- £10k–£250k |
- Term
- 36–360mo |
- Decision
- As little as 3 days
3.9%
NatWest Debt Consolidation Loan
ConsolidationBorrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.
- APR
- 3.9–29.9% |
- Amount
- £1k–£50k |
- Term
- —
39.9%
Everyday Loans for Imperfect Credit
PersonalThis service is best for individuals who need face-to-face support and have credit challenges, allowing them to borrow between £1,000 and £15,000.
- APR
- 39.9–299.8% |
- Amount
- £1k–£15k |
- Term
- 18–60mo
5.9%
MotoNovo Finance
AutoThis is ideal for UK residents aged 18 and above who are looking for flexible car financing options and can meet the credit requirements.
- APR
- 5.9–24.9% |
- Amount
- £4k–£75k |
- Term
- 12–60mo |
- Decision
- Same day decision
Latest from the blog
Monzo Loans: Instant Funding, Unpredictable Pricing
Monzo can put approved funds in your account within minutes, but representative APRs range from 10% to 23% depending on the loan size.
HSBC Personal Loan: Low APR, Strict Rate Reality
HSBC advertises 6.8% representative APR on £7,500–£20,000 loans, with no arrangement fee but rates up to 22.9%.
Zopa Personal Loan: Fast Quotes, Expensive Weak-Credit Rates
Zopa offers loans from £1,000 to £35,000, but a £10,000 five-year loan at 22.9% APR costs £16,164 in total.