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Looking for a personal loan, secured loan, unsecured loan, 12 month loan or car loan? We compare a range of loans to help you find a loan that works for you.
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APR Total repayable

The amount is based on monthly compounding and for comparison purposes only.

Monthly repayments

Zopa Personal Loan

  • No early repayment fees
  • Simple, quick online process to apply
  • Free instant quote with no impact on credit score
  • Peer-to-peer loan
More info
3.3% APR Representative
£7,881.84
£218.94 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Aged 20 or older
  • 3 years of address history in the UK
  • Annual income of at least £12,000
  • Good credit history
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 2.5% per annum and a fee of £90.00 would result in a representative rate of 3.3% APR, monthly repayments of £218.94 and a total amount repayable of £7,881.84.

M&S Personal Loan - New customers

  • Fixed monthly repayments
  • Option to defer your repayments for 3 months
More info
3.3% APR Representative
£7,881.84
£218.94 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • annual income of at least £10,000
  • UK resident
  • aged 18 or over

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.3% per annum would result in a representative rate of 3.3% APR, monthly repayments of £218.94 and a total amount repayable of £7,881.84.

Sainsbury's Nectar Cardholders Loan

  • Payment holiday options available
  • APR Price Promise (T&Cs apply)
More info
3.3% APR Representative
£7,881.84
£218.94 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • Aged 18 to 80
  • Good credit history
  • £7500 or more income
  • Have a Nectar Card

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.3% per annum would result in a representative rate of 3.3% APR, monthly repayments of £218.94 and a total amount repayable of £7,881.84.

M&S Personal Loan - Cardholders Only

  • Fixed monthly repayments
  • Option to defer your repayments for 3 months
More info
3.3% APR Representative
£7,881.84
£218.94 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • annual income of at least £10,000
  • UK resident
  • aged 18 or over
  • Hold either a M&S Credit Card, M&S Chargecard or M&S Budgetcard

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.3% per annum would result in a representative rate of 3.3% APR, monthly repayments of £218.94 and a total amount repayable of £7,881.84.

Tesco Bank Personal Loans for Clubcard Customers

  • Debt consolidation allowed
  • Repayment holiday at the start of your loan subject to eligibility
More info
3.4% APR Representative
£7,893.36
£219.26 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • 18 & older
  • Good credit quality
  • Be a Clubcard Customer

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.4% per annum would result in a representative rate of 3.4% APR, monthly repayments of £219.26 and a total amount repayable of £7,893.36.

Sainsbury's Personal Loan

  • Payment holiday options available
  • APR Price Promise (T&Cs apply)
More info
3.4% APR Representative
£7,893.36
£219.26 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • Aged 18 to 80
  • Good credit history
  • £7,500 or more income

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.4% per annum would result in a representative rate of 3.4% APR, monthly repayments of £219.26 and a total amount repayable of £7,893.36.

Santander Personal Loan

  • 5 minute application
  • Quick decision
More info
3.44% APR Representative
£7,898.04
£219.39 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • 21 & older
  • Good credit quality

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.4% per annum would result in a representative rate of 3.4% APR, monthly repayments of £219.39 and a total amount repayable of £7,898.04.

Ratesetter Personal Loan

  • Debt consolidation allowed
  • No early repayment charge
  • Money in your bank in one working day
More info
3.5% APR Representative
£7,904.88
£219.58 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • UK resident
  • 24 & older
  • Good credit quality

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.3% per annum and a fee of £21.00 would result in a representative rate of 3.5% APR, monthly repayments of £219.58 and a total amount repayable of £7,904.88.

cahoot Personal Loan

  • 5 minute application
  • Quick decision
More info
3.64% APR Representative
£7,921.08
£220.03 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • Aged 21 or older
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.6% per annum would result in a representative rate of 3.6% APR, monthly repayments of £220.03 and a total amount repayable of £7,921.08.

Hitachi Personal Loan

  • Debt consolidation allowed
  • Personalised quote
  • Easy online application, instant decision
  • No arrangement fees
More info
3.8% APR Representative
£7,939.80
£220.55 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Aged 21 or older
  • Permanent paid employment, self-employed or retired with a pension

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.8% per annum would result in a representative rate of 3.8% APR, monthly repayments of £220.55 and a total amount repayable of £7,939.80.
new release

Pareto Personal Loan

  • Funds within 48 hours
  • Soft credit check to determine eligibility without impacting your credit score
  • Instant online decision
More info
3.9% APR Representative
£7,951.32
£220.87 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Be aged between 21 and 75
  • Have a minimum annual gross income of £20,000
  • Be a UK resident for at least the last 3 years
  • Have a UK personal current account
  • Be employed a minimum of 12 months with current employer

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.9% per annum would result in a representative rate of 3.9% APR, monthly repayments of £220.87 and a total amount repayable of £7,951.32.

NatWest Online Personal Loan (Current Account Customers Only)

  • 5 minute application
  • Quick decision
More info
3.9% APR Representative
£7,951.32
£220.87 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • Aged 21 or older
  • Existing customers only
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.9% per annum would result in a representative rate of 3.9% APR, monthly repayments of £220.87 and a total amount repayable of £7,951.32.

TSB Personal Loan (Current Account Customers Only)

  • Must be a TSB customer account holder for longer than 3 months
  • Same day funding if approved
  • Take up to 2 repayment holidays per year
More info
3.9% APR Representative
£7,951.32
£220.87 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Aged 18 or Older
  • Must have held a TSB Current Account for at least 3 months
  • Good credit history
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.8% per annum would result in a representative rate of 3.9% APR, monthly repayments of £220.87 and a total amount repayable of £7,951.32.

RBS Online Personal Loan

  • Debt consolidation allowed
  • No set-up fee
  • View and track your loan in Digital Banking
  • Current account customers only
More info
3.9% APR Representative
£7,951.32
£220.87 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • 21 or older
  • Good

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.9% per annum would result in a representative rate of 3.9% APR, monthly repayments of £220.87 and a total amount repayable of £7,951.32.

AA Personal Loan

  • Simple online application and instant decision
  • No arrangement or set up fee
  • Fixed monthly repayments, for the duration of your loan
More info
3.9% APR Representative
£7,951.32
£220.87 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • Aged 23 or older
  • No bankruptcy or CCJs and homeowners are more likely to be accepted

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.9% per annum would result in a representative rate of 3.9% APR, monthly repayments of £220.87 and a total amount repayable of £7,951.32.
exclusive

Fluent Personal Loan

  • No early repayment fees
  • Simple, quick online application
  • Free instant quote with no impact on credit score
  • Debt consolidation allowed
More info
4.0% APR Representative
£7,962.84
£221.19 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Aged 20 or older
  • 3 years of address history in the UK
  • Annual income of at least £12,000
  • Good credit history
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.0% per annum would result in a representative rate of 4.0% APR, monthly repayments of £221.19 and a total amount repayable of £7,962.84.

NatWest Debt Consolidation loan

  • 5 minute application
  • Quick decision
  • Possibility to lower monthly payments
More info
4.9% APR Representative
£8,066.88
£224.08 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be a UK resident
  • Aged 18 or over
  • Only available to current account holders

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.9% per annum would result in a representative rate of 4.9% APR, monthly repayments of £224.08 and a total amount repayable of £8,066.88.

RBS Debt Consolidation loan

  • 5 minute application
  • Quick decision
  • Possibility to lower monthly payments
More info
4.9% APR Representative
£8,066.88
£224.08 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be a UK resident
  • Aged 18 or over
  • Only available to current account holders

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.9% per annum would result in a representative rate of 4.9% APR, monthly repayments of £224.08 and a total amount repayable of £8,066.88.
secured loan

Nemo Personal Finance Ltd

  • No repayment holidays
  • Early repayment penalty
More info
5.0% APR
£8,073.72
£224.27 repayable per month
or call 0800 084 8005
Assumed borrowing of £7,500 over 36 months at an annual rate of 4.8% would result in an APR of 5.0%. Typical APR 13.9% (variable). Total cost of credit will be £573.72.

Tesco Bank Personal Loans

  • Debt consolidation allowed
  • Repayment holiday at the start of your loan subject to eligibility
More info
5.0% APR Representative
£8,078.76
£224.41 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • 18 & older
  • Good credit quality

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 5.0% per annum would result in a representative rate of 5.0% APR, monthly repayments of £224.41 and a total amount repayable of £8,078.76.

Lending Works Personal Loan

  • No repayment holidays
  • Funds available within 24 hours
  • No fees for early repayment
More info
5.26% APR Representative
£8,108.28
£225.23 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Excellent Credit Required
  • Permanent UK resident
  • Aged 21 or older
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.7% per annum and a fee of £63.00 would result in a representative rate of 5.3% APR, monthly repayments of £225.23 and a total amount repayable of £8,108.28.
secured loan

Creditplus Car Loan (excellent credit)

  • For customers with excellent credit rating
  • Buy a car from any UK dealership or through Creditplus
  • Leading car finance provider with over 90 lending options
  • Funds available in 24 hrs
More info
5.8% APR Representative
£8,171.28
£226.98 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be UK Resident and have 3 years address history
  • 22 years or older
  • Minimum Net Income of £1,000 per month
  • Some Existing Credit in the last 2 years
  • Traceable voters roll history
  • No Credit Adversity

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 5.7% per annum and a fee of £348.00 would result in a representative rate of 5.8% APR, monthly repayments of £226.98 and a total amount repayable of £8,171.28.
secured loan

Low Rate Motor Loan (excellent credit)

  • Buy a car from any UK dealership or through approved dealers
  • Instant online decision
  • Specialist car finance provider with over 24 funders available
More info
5.9% APR Representative
£8,183.16
£227.31 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • UK Resident
  • Excellent Credit Quality
  • No Bankruptcy or CCJs in the last 6 months
  • Hold a valid UK driving license
  • Are employed or self-employed
  • Earn a minimum of £1,000 per month

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 5.7% per annum would result in a representative rate of 5.9% APR, monthly repayments of £227.31 and a total amount repayable of £8,183.16.
secured loan

Precise Mortgages

  • No repayment holidays
  • Early repayment penalty
More info
6.0% APR
£8,195.76
£227.66 repayable per month
or call 0800 084 8005
Assumed borrowing of £7,500 over 36 months at an annual rate of 5.9% would result in an APR of 6.0%. Typical APR 9.0% (variable). Total cost of credit will be £695.76.

QuidCycle Debt Consolidation Loan

  • Loan paid direct to creditors (can keep one credit card open)
  • Earn up to 4% bonus for financial success – terms apply
  • Financial Education to help achieve your goals
More info
6.2% APR Representative
£8,217.72
£228.27 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Aged or older
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 6.2% per annum would result in a representative rate of 6.2% APR, monthly repayments of £228.27 and a total amount repayable of £8,217.72.

Lendable Personal Loan

  • Instant Decision
  • Same-day funds
  • No early repayment fees
More info
6.7% APR Representative
£8,275.68
£229.88 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • Aged 20 or older
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.6% per annum and a fee of 4.8% would result in a representative rate of 6.7% APR, monthly repayments of £229.88 and a total amount repayable of £8,275.68.
secured loan

Blemain Finance Limited

  • No repayment holidays
  • Early repayment penalty
More info
7.1% APR
£8,318.16
£231.06 repayable per month
or call 0800 084 8005
Assumed borrowing of £7,500 over 36 months at an annual rate of 6.9% would result in an APR of 7.1%. Typical APR 16.0% (variable). Total cost of credit will be £818.16.
secured loan

Masthaven Secured Loans Ltd

  • No repayment holidays
  • Early repayment penalty
More info
7.4% APR
£8,355.24
£232.09 repayable per month
or call 0800 084 8005
Assumed borrowing of £7,500 over 36 months at an annual rate of 7.2% would result in an APR of 7.4%. Typical APR 14.6% (variable). Total cost of credit will be £855.24.
secured loan

Shawbrook Bank Limited

  • No repayment holidays
  • No CCA early settlement penalty
More info
7.7% APR
£8,392.32
£233.12 repayable per month
or call 0800 084 8005
Assumed borrowing of £7,500 over 36 months at an annual rate of 7.5% would result in an APR of 7.7%. Typical APR 14.6% (variable). Total cost of credit will be £892.32.
secured loan

Low Rate Motor Loan (good credit)

  • Buy a car from any UK dealership or through approved dealers
  • Instant online decision
  • Specialist car finance provider with over 24 funders available
More info
8.9% APR Representative
£8,530.20
£236.95 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • UK Resident
  • Good Credit Quality
  • No Bankruptcy or CCJs in the last 6 months
  • Hold a valid UK driving license
  • Are employed or self-employed
  • Earn a minimum of £1,000 per month

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 8.9% per annum would result in a representative rate of 8.9% APR, monthly repayments of £236.95 and a total amount repayable of £8,530.20.
secured loan

Step One Finance Limited

  • No repayment holidays
  • Early repayment penalty
More info
9.3% APR
£8,573.40
£238.15 repayable per month
or call 0800 084 8005
Assumed borrowing of £7,500 over 36 months at an annual rate of 8.9% would result in an APR of 9.3%. Typical APR 22.4% (variable). Total cost of credit will be £1,073.40.
secured loan

Central Trust Ltd

  • No repayment holidays
  • Early repayment penalty
More info
9.5% APR
£8,598.60
£238.85 repayable per month
or call 0800 084 8005
Assumed borrowing of £7,500 over 36 months at an annual rate of 9.1% would result in an APR of 9.5%. Typical APR 16.6% (variable). Total cost of credit will be £1,098.60.
secured loan

Creditplus Car Loan (good credit)

  • For customers with good credit rating
  • Buy a car from any UK dealership or through Creditplus
  • Leading car finance provider with over 90 lending options
  • Funds available in 24 hrs
More info
9.8% APR Representative
£8,634.24
£239.84 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be UK Resident have 3 years address history
  • 22 years or older
  • Minimum Net Income of £1,000 per month
  • Existing Credit
  • Traceable voters roll history
  • A low degree of missed payments <3
  • No CCJ’s or IVA’s

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 9.5% per annum and a fee of £348.00 would result in a representative rate of 9.8% APR, monthly repayments of £239.84 and a total amount repayable of £8,634.24.
secured loan

Norton Home Loans

  • No repayment holidays
  • Early repayment penalty
More info
9.9% APR
£8,649.00
£240.25 repayable per month
or call 0800 084 8005
Assumed borrowing of £7,500 over 36 months at an annual rate of 9.5% would result in an APR of 9.9%. Typical APR 14.1% (variable). Total cost of credit will be £1,149.00.
secured loan

Low Rate Motor Loan (fair credit)

  • Buy a car from any UK dealership or through approved dealers
  • Instant online decision
  • Specialist car finance provider with over 24 funders available
More info
10.9% APR Representative
£8,761.68
£243.38 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • UK Resident
  • Far Credit Quality
  • No Bankruptcy or CCJs in the last 6 months
  • Hold a valid UK driving license
  • Are employed or self-employed
  • Earn a minimum of £1,000 per month

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 10.9% per annum would result in a representative rate of 10.9% APR, monthly repayments of £243.38 and a total amount repayable of £8,761.68.
secured loan

Carfinance247 loan (excellent credit)

  • No deposit required
  • Your own personal advisor
  • Buy from a dealer of your choice
More info
12.2% APR Representative
£8,912.16
£247.56 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age: 18-80
  • 3 Years UK Address History
  • Private tenants, home-owners and those living with parents all accepted
  • Benefits Accepted
  • No CCJs, Defaults or Bankruptcy
  • Traceable Voters Roll History Required

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 12.2% per annum would result in a representative rate of 12.2% APR, monthly repayments of £247.56 and a total amount repayable of £8,912.16.
secured loan

1st Stop

  • No repayment holidays
  • Early repayment penalty
More info
12.7% APR
£8,967.96
£249.11 repayable per month
or call 0800 084 8005
Assumed borrowing of £7,500 over 36 months at an annual rate of 12.0% would result in an APR of 12.7%. Typical APR 32.7% (variable). Total cost of credit will be £1,467.96.
secured loan

Car Loan (excellent credit)

  • Specialist Car Finance provider with products from 15 Lenders
  • Buy from a Car Dealer of your choice
  • Rates apply to customers with excellent credit rating
  • Same-day decision
More info
12.79% APR Representative
£8,980.20
£249.45 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age 18 -80
  • Must be UK Resident and have 3 years address history
  • Private Tennants, Homeowners and living with parents all accepted
  • Exisiting Credit
  • Traceable Voters Roll History required
  • No CCJ's, defaults or bankrupcy.
  • Benefits accepted

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 12.8% per annum would result in a representative rate of 12.8% APR, monthly repayments of £249.45 and a total amount repayable of £8,980.20.
secured loan

Carfinance247 loan (good credit)

  • No deposit required
  • Your own personal advisor
  • Buy from a dealer of your choice
More info
14.0% APR Representative
£9,120.24
£253.34 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age: 18-80
  • 3 Years UK Address History
  • Private tenants, home-owners and those living with parents all accepted
  • Benefits Accepted
  • Settled CCJs,No Bankruptcy
  • Traceable Voters Roll History Required

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 14.0% per annum would result in a representative rate of 14.0% APR, monthly repayments of £253.34 and a total amount repayable of £9,120.24.
secured loan

Creditplus Car Loan (fair credit)

  • For customers with fair credit rating
  • Buy a car from any UK dealership or let us find, fund and deliver your car!
  • Leading car finance provider with over 90 lending options
  • Funds available in 24 hrs
More info
14.5% APR Representative
£9,177.84
£254.94 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be UK Resident and have 3 years address history
  • 22 years or older
  • Minimum Net Income of £1,000 per month
  • Traceable voters roll history
  • Settled defaults accepted more than 3 years old

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 14.0% per annum and a fee of £105.00 would result in a representative rate of 14.5% APR, monthly repayments of £254.94 and a total amount repayable of £9,177.84.
secured loan

Car Loan (good credit)

  • Specialist Car Finance provider with products from 15 Lenders
  • Buy from a Car Dealer of your choice
  • Rates apply to customers with good credit rating
  • Same-day decision
More info
15.95% APR Representative
£9,345.24
£259.59 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age 18 - 80
  • Must be UK Resident and have 3 years address history
  • Private Tenants, Home-owners, and living with parents all accepted
  • Historical and settled Adverse accepted
  • Adverse < 3 years/old on referral
  • Benefits accepted.

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 16.0% per annum would result in a representative rate of 16.0% APR, monthly repayments of £259.59 and a total amount repayable of £9,345.24.

1st Stop Debt Consolidation Loan

  • Loans available to suit most circumstances
  • Online immediate decision
  • Soft credit check to determine eligibility without leaving a mark on your credit report
More info
18.0% APR Representative
£9,581.40
£266.15 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be at least 21 years old
  • More than £15,000 annual income
  • Homeowners and tenants accepted
  • Available for fair credit customers
  • In employment for minimum of 6 months
  • Registered on the Voters Roll
  • Resident in England,Scotland or Wales

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 8.2% per annum would result in a representative rate of 18.0% APR, monthly repayments of £266.15 and a total amount repayable of £9,581.40.

1st Stop Personal Loan For Bad Credit

  • Loans available to suit most circumstances
  • Online immediate decision
  • Soft credit check to determine eligibility without leaving a mark on your credit report
More info
18.0% APR Representative
£9,581.40
£266.15 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be at least 21 years old
  • More than £15,000 annual income
  • Homeowners and tenants accepted
  • Available for fair credit customers
  • In employment for minimum of 6 months
  • Registered on the Voters Roll
  • Resident in England,Scotland or Wales

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 8.2% per annum would result in a representative rate of 18.0% APR, monthly repayments of £266.15 and a total amount repayable of £9,581.40.

1st Stop Personal Loan

  • Loans available to suit most circumstances
  • Online immediate decision
  • Soft credit check to determine eligibility without leaving a mark on your credit report
More info
18.0% APR Representative
£9,581.40
£266.15 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be at least 21 years old
  • More than £15,000 annual income
  • Homeowners and tenants accepted
  • Available for fair credit customers
  • In employment for minimum of 6 months
  • Registered on the Voters Roll
  • Resident in England,Scotland or Wales

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 8.2% per annum would result in a representative rate of 18.0% APR, monthly repayments of £266.15 and a total amount repayable of £9,581.40.
secured loan

Car Loan (average credit)

  • Specialist Car Finance provider with products from 15 Lenders
  • Buy from a Car Dealer of your choice
  • Rates apply to customers with average credit rating
  • Same-day decision
More info
19.15% APR Representative
£9,713.88
£269.83 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age 18 -80
  • Must be UK Resident and have 3 years address history
  • Private Tennants, Homeowners and living with parents all accepted
  • Exisiting Credit
  • Traceable Voters Roll History required
  • No CCJ's, defaults or bankrupcy.
  • Benefits accepted

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 19.2% per annum would result in a representative rate of 19.2% APR, monthly repayments of £269.83 and a total amount repayable of £9,713.88.
secured loan

Carfinance247 loan (fair credit)

  • No deposit required
  • Your own personal advisor
  • Buy from a dealer of your choice
More info
19.6% APR Representative
£9,765.36
£271.26 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age: 18-80
  • 3 Years UK Address History
  • Private tenants, home-owners and those living with parents all accepted
  • Benefits Accepted
  • Outstanding CCJs considered/ Ex bankrupt considered
  • Traceable Voters Roll History Required

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 19.6% per annum and a fee of £149.00 would result in a representative rate of 19.6% APR, monthly repayments of £271.26 and a total amount repayable of £9,765.36.
secured loan

Creditplus Car Loan (poor credit)

  • For customers with bad credit rating
  • Buy a car from any UK dealership or let us find, fund and deliver your car!
  • Leading car finance provider with over 90 lending options
  • Funds available in 24 hrs
More info
21.0% APR Representative
£9,926.28
£275.73 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be UK Resident and have 3 years address history
  • 22 years or older
  • Minimum Net Income of £1,000 per month
  • Recent credit adversity
  • CCJ’s Accepted

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 19.2% per annum would result in a representative rate of 21.0% APR, monthly repayments of £275.73 and a total amount repayable of £9,926.28.
new release

Progressive Money personal loan

  • Personal loan designed for home-owners
  • Adverse credit considered
More info
21.8% APR Representative
£10,018.08
£278.28 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Be a home owner
  • Permanent UK resident
  • 18-70
  • Be employed or self employed
  • Be earning £800 per month minimum

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 18.6% per annum and a fee of 10.0% would result in a representative rate of 21.8% APR, monthly repayments of £278.28 and a total amount repayable of £10,018.08.
new release

Citrus Loan

  • Same day funding
  • Loans available to suit most circumstances
More info
22.5% APR Representative
£10,098.72
£280.52 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Aged 18 to 65
  • Homeowners and tenants considered
  • Adverse credit considered
  • Minimum monthly income of £1000

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 20.5% per annum would result in a representative rate of 22.5% APR, monthly repayments of £280.52 and a total amount repayable of £10,098.72.
secured loan

Carfinance247 loan (poor credit)

  • No deposit required
  • Your own personal advisor
  • Buy from a dealer of your choice
More info
27.6% APR Representative
£10,681.20
£296.70 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age: 18-80
  • 3 Years UK Address History
  • Private tenants, home-owners and those living with parents all accepted
  • Benefits Accepted
  • Outstanding CCJs considered/ Ex bankrupt considered
  • Traceable Voters Roll History Required
  • Minimum Income £750

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 27.6% per annum and a fee of £149.00 would result in a representative rate of 27.6% APR, monthly repayments of £296.70 and a total amount repayable of £10,681.20.
secured loan

Car Loan (poor credit)

  • Specialist Car Finance provider with products from 15 Lenders
  • Buy from a Car Dealer of your choice
  • Rates apply to customers with poor credit rating
  • Same-day decision
More info
27.84% APR Representative
£10,708.56
£297.46 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age 18 -80
  • Must be UK Resident and have 3 years address history
  • Private Tennants, Homeowners and living with parents all accepted
  • Exisiting Credit
  • Traceable Voters Roll History required
  • No CCJ's, defaults or bankrupcy.
  • Benefits accepted

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 27.8% per annum would result in a representative rate of 27.8% APR, monthly repayments of £297.46 and a total amount repayable of £10,708.56.
secured loan

Creditplus Car Loan (bad credit)

  • For customers with bad credit rating
  • Buy a car from any UK dealership or let us find, fund and deliver your car!
  • Leading car finance provider with over 90 lending options
  • Funds available in 24 hrs
More info
29.8% APR Representative
£10,931.40
£303.65 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be UK Resident and have 3 years address history
  • 22 years or older
  • Minimum Net Income of £1,000 per month
  • Recent credit adversity
  • CCJ’s Accepted

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 27.7% per annum would result in a representative rate of 29.8% APR, monthly repayments of £303.65 and a total amount repayable of £10,931.40.
secured loan

Carfinance247 loan (bad credit)

  • No deposit required
  • Your own personal advisor
  • Buy from a dealer of your choice
More info
33.3% APR Representative
£11,327.76
£314.66 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age: 18-80
  • 3 Years UK Address History
  • Private tenants, home-owners and those living with parents all accepted
  • Benefits Accepted
  • Outstanding CCJs considered/ Ex bankrupt considered
  • Traceable Voters Roll History Required
  • Minimum Income £750

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 33.3% per annum would result in a representative rate of 33.3% APR, monthly repayments of £314.66 and a total amount repayable of £11,327.76.
secured loan

Car Loan (bad credit)

  • Specialist Car Finance provider with products from 15 Lenders
  • Buy from a Car Dealer of your choice
  • Rates apply to customers with bad credit rating
  • Same day decision
More info
36.97% APR Representative
£11,741.04
£326.14 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Age 18-70
  • Must be UK Resident & have 3 years address history
  • Private tenants, Home-owner and Living with parents all accepted
  • Recent Adverse, discharged bankruptcy, mortgage arrears and benefits accepted
  • minimum income £750/month net

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 37.0% per annum would result in a representative rate of 37.0% APR, monthly repayments of £326.14 and a total amount repayable of £11,741.04.

TRUSTTWO– Guarantor Loan

  • No upfront or late fees
  • Home owner and tenant guarantors are accepted
More info
39.9% APR Representative
£12,069.00
£335.25 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Applicant: UK resident, aged 18-75, £10,000 minimum income
  • Guarantor: Home owner/renter, aged 25-75, £10,000 minimum income, not financially linked to the applicant
  • Good credit - no missed payments, CCJ's, or mortgage arrears
  • Not a guarantor for more than one other guarantor Loan

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 34.0% per annum would result in a representative rate of 39.9% APR, monthly repayments of £335.25 and a total amount repayable of £12,069.00.

Suco Guarantor Loan

  • Available to bad and fair credit customers
  • Funds May Be Transferred Same Day
More info
44.9% APR Representative
£12,624.84
£350.69 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Available to UK resident Only (excluding Northern Ireland)
  • Guarantor Must be a Home Owner and not a partner of the applicant
  • Aged 18 to 75
  • Bad Credit Specialists
  • CCJ's & Defaults considered
  • All income accepted including benefits subject to affordability

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 37.7% per annum would result in a representative rate of 44.9% APR, monthly repayments of £350.69 and a total amount repayable of £12,624.84.

Avantcredit Personal Loan

  • Rates starting at 9.95% with no arrangement or early payment fees
  • Fast funding within the same day of submitting the easy online application
  • Not required to have a guarantor or be a homeowner
More info
48.5% APR Representative
£13,021.20
£361.70 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • 18 & older
  • Bad to good credit quality

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 48.5% per annum would result in a representative rate of 48.5% APR, monthly repayments of £361.70 and a total amount repayable of £13,021.20.

George Banco Guarantor Loan

  • APR reduced from 49.7% to 29.9% over 3 years based on your timely repayments (terms apply)
  • No upfront fees
  • Making repayments on time can improve your credit rating
More info
49.7% APR Representative
£13,152.96
£365.36 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Applicant aged 18 or older, 25 for Guarantor
  • Income: £1000 NET or above
  • UK resident
  • No bankruptcy. Max 2 CCJs up to £500
  • Applicant's credit rating can be weak but Guarantor's needs to be strong

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 49.7% per annum would result in a representative rate of 49.7% APR, monthly repayments of £365.36 and a total amount repayable of £13,152.96.

UK Trust Loans Guarantor Loan

  • No fees or early settlement penalties
  • Fast online application with same day payout, (T&Cs may apply)
  • Instant online decision
  • Direct Lender
More info
49.9% APR Representative
£13,174.92
£365.97 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Applicant must be aged 18 -65 and a resident of England or Wales
  • Poor credit quality considered
  • No CCJs
  • Guarantor must be a homeowner aged 18-75 with good credit quality

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 41.2% per annum would result in a representative rate of 49.9% APR, monthly repayments of £365.97 and a total amount repayable of £13,174.92.
new release

Aspire money loan

  • Same day funding
  • Loans available to suit most circumstances
More info
49.9% APR Representative
£13,174.92
£365.97 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Aged 18 to 65
  • Homeowners and tenants considered
  • Adverse credit considered
  • Minimum monthly income of £1000

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 6.4% per annum would result in a representative rate of 49.9% APR, monthly repayments of £365.97 and a total amount repayable of £13,174.92.

Warning: Late repayments can cause you serious money problems. For more information see our debt help guides.

uSwitch Limited is a credit broker, not a lender, for consumer credit products. Our services are provided at no cost to you, but we may receive a commission from the companies we refer you to. For some loans a broker fee of up to 12.5% may be added to the cost of the loan.

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Frequently asked questions

What is the difference between a loan and other forms of borrowing?

Loans give you a fixed cash lump sum, unlike credit cards which only give you a credit limit for spending on your card.

With a loan you can spend this money as you like; most people use a loan for home improvements, large purchases (like cars or furnishings) or debt consolidation.

Unlike a credit card or mortgage the cost of a loan is fixed. This means your monthly repayments are fixed for the duration of the loan repayment period.

What types of loans are there and what can I use them for?

This depends on what you are borrowing the money for, your credit score, how much you want to borrow, how much you can afford to pay back each month, and how much you want to pay overall.

Personal loans

These loans are unsecured borrowing that you can use for any purpose. Typically you can borrow between £1,000 and £35,000 for periods between one and seven years.

Car loans

These are loans designed to help you buy a car. They are sometimes secured against the car, and sometimes unsecured debt. If you want to buy a car you can get a finance offer from most dealerships, but applying for finance in advance could get you better deal and make you feel less pressured by salespeople when buying a car.

Debt consolidation

This loan can be used to pay off existing debts, which can reduce the size of monthly repayments whilst increasing the period of time the loan is repaid over. But consolidating debts with a loan will always cost more than just repaying the debts, so make sure the cost of a debt consolidation loan doesn’t dramatically exceed the cost of existing loans.

Bad credit loans and guarantor loans

These loans are designed for people who have poor credit scores. They are largely unsecured loans and typically more expensive than personal loans. Guarantor loans enable those with bad credit to borrow money if they can find a friend or family member willing to act as a guarantor (someone who will promise to repay the loan if the borrower defaults).

Secured loans

These loans can have repayment periods lasting as long as 30 years. This can make monthly repayments more manageable but will drive up the lifetime cost of the loan. You can borrow very large amounts (up to around £100,000) with a secured loan.

What is the difference between secured and unsecured loans?

Loans are either secured or unsecured, you should think about which option would be best for you

Secured loans are offered against security (i.e. your property or car), which can be used to recoup the lender’s money if you default. All secured loans and some car loans are secured debt.

Unsecured loans are offered against your credit score, which means you don’t have to offer any security to borrow the money. All personal loans are unsecured, as are most bad credit loans (including guarantor loans), debt consolidation loans and car loans.

What makes one loan better than another?

The cost of a loan is the most important thing to compare. This can be compared with representative APR. It is the cost of the loan in total and includes fees and interest rates. The lower the APR the cheaper the loan.

As well as APR you can also look at the total amount you will repay and compare how much each loan will cost you over its lifetime.

You can also look at upfront loan fees that will vary with different lenders.

Is APR is the only thing to consider when comparing loans?

As well as APR and cost you should think about the repayment period of the loan.

Typically the longer this is the lower your monthly repayments will be. So if a lender offers a loan over a longer period of time this might suit your needs more. But bear in mind the longer your take to repay your loan the more it will cost.

You can also take into account how speedily your application will be processed and how long it will take the money to be deposited into your account. Some lenders can process a loan within 24 hours but most typically take round 3 days to a week, depending on credit checks and other documentations.

There are also introductory offers and incentives available with some loans, like free AA breakdown cover.

Finally you should think about which lender you are borrowing money from. This is much harder to compare, but different companies offer different levels of service. Think about reputation, look at awards and read reviews to find out if you’re going to like who you’re going to be dealing with.

What does 'will I get this loan' mean?

This button brings up a list of minimum eligibility criteria for borrowing this loan - if you can meet these, then it’s likely you will be able to successfully apply for this loan although the rate you receive can vary.

Not all loans are available to everyone. Typically you will need to have a minimum income level and an average to good credit score to be able to borrow. Often minimum and maximum age limits also apply.

Guarantor loans require you to be able to provide the details of someone willing to act as your guarantor (for both the purposes of speeding your application and to avoid surprising any family or friends it’s best to clear this with someone before entering their name and details).

On the simplest level secured loans will also require you to be a UK homeowner, but more complicated equity thresholds may apply.

Why would I be turned down for a loan?

There can be any number of reasons you may be refused a loan. Most likely is failing a credit check because you have poor credit and are applying for a loan that is only available to those with good credit scores.

Checking your credit report is always a good place to start before you apply for a loan. You can know your score to avoid applying for loans you won’t be able to get and fix errors in your report.

You can improve your credit score by paying off any existing debts and responsible borrowing through ‘credit building’ credit cards. Guarantor loans can also help you rebuild a poor credit score.

You might also not pass affordability criteria if you’re applying to borrow more than you could afford to repay each month once your expenses and income has been taken into account.

You may also be too young to apply (under 18, 21 or 22 depending on the loan), or too old (upper age limits are normally around 75).

What happens when I hit the ‘apply’ button?

This will take you through to the lender’s website where you can get more details about this loan, read the terms and conditions, and begin the application process.

Often this will involve filling out a secure online form with your personal and financial details, so if you can’t remember these you may want them close at hand.

In the case of secured loans you will be put through to a reference page, from here you can a call our broker to apply for this loan or request a call back.

Compare personal loans

Our comparison tool can help you find the best personal loan for your needs.