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Personal loans, or unsecured loans, are often the cheapest way to borrow money for expensive purchases and home improvements. They are a great way of borrowing anything from £1,000 to £35,000.
£

Loans displayed have term lengths between 6 months and 10 years, 3.2% APR and 49.9% APR.

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APR Total repayable

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

Monthly repayments

Sainsbury's Nectar Cardholders Loan

  • Payment holiday options available
  • APR Price Promise (T&Cs apply)
More info
3.2% APR Representative
£7,870.32
£218.62 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.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.2% per annum would result in a representative rate of 3.2% APR, monthly repayments of £218.62 and a total amount repayable of £7,870.32.

TSB Personal Loan

  • Quick decision and next day funds
  • Personalised quote online without affecting your credit score
More info
3.2% APR Representative
£7,870.32
£218.62 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.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.2% per annum would result in a representative rate of 3.2% APR, monthly repayments of £218.62 and a total amount repayable of £7,870.32.

Tesco Bank Personal Loans for Clubcard Customers

  • Debt consolidation allowed
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
  • 18 & older
  • Good credit quality
  • Be a Clubcard Customer

Additional criteria for acceptance from the lender may apply.

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.

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.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.0% per annum and a fee of £30.00 would result in a representative rate of 3.3% APR, monthly repayments of £218.94 and a total amount repayable of £7,881.84.

Sainsbury's Personal 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
  • £7,500 or more income

Additional criteria for acceptance from the lender may apply.

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.

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 - 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.

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.

HSBC Personal Loan

  • Option of repayment holidays
  • Make overpayments without charge
  • Personalised quote online without affecting your credit score
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:
  • have a bank or building society account with a Direct Debit facility*
  • Channel Island and Isle of Man customers must have an HSBC current account
  • have an annual income/pension before tax of £10,000 or more
  • be a resident of the UK
  • be over 18

Additional criteria for acceptance from the lender may apply.

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.

HSBC Personal Loan For Current Account Holders

  • Personalised quote online without affecting your credit score
  • Instant credit decision, same day funds
  • Make overpayments without charge
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:
  • have an HSBC current account, other than basic
  • have an annual income/pension before tax of £10,000 or more
  • be a resident of the UK
  • be over 18

Additional criteria for acceptance from the lender may apply.

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.

Nationwide Personal Loan (Current Account Customers Only)

  • Debt consolidation allowed
  • No set-up fees or hidden charges
  • Instant online decision
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 or older
  • Existing customers only
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

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.

cahoot 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
  • Aged 21 or older
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

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.

Tesco Bank Personal Loans

  • Debt consolidation allowed
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:
  • Permanent UK resident
  • 18 & older
  • Good credit quality

Additional criteria for acceptance from the lender may apply.

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

Santander 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
  • 21 & older
  • Good credit quality

Additional criteria for acceptance from the lender may apply.

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.

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.

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.

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.

Royal Bank of Scotland 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.

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.

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.

Post Office Money Personal Loans

  • Instant online decision
  • No arrangement fees
  • Funds transferred within 2 working days
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:
  • You must be aged between 21 and 70
  • You must have been a permanent UK resident for 3 years
  • You must have an annual income of at least £12,000 and have a UK bank or building society account
  • You must not have a history of CCJ’s or bankruptcy

Additional criteria for acceptance from the lender may apply.

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.

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.

Ratesetter Personal Loan

  • Debt consolidation allowed
  • No early repayment charge
  • Money in your bank in one working day
More info
4.3% APR Representative
£7,997.76
£222.16 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.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.1% per annum and a fee of £126.00 would result in a representative rate of 4.3% APR, monthly repayments of £222.16 and a total amount repayable of £7,997.76.

Halifax Car Plan Extra

  • Quick and easy online application, no credit searches
  • We pay the dealer directly, most UK dealerships are covered
  • Only available to Halifax current account customers
More info
4.3% APR Representative
£7,997.76
£222.16 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Aged 18 or older
  • Existing personal current account customers only

Additional criteria for acceptance from the lender may apply.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.3% per annum would result in a representative rate of 4.3% APR, monthly repayments of £222.16 and a total amount repayable of £7,997.76.

Nationwide Personal Loan

  • Debt consolidation allowed
  • No set-up fees or hidden charges
  • Instant online decision
More info
4.6% APR Representative
£8,032.32
£223.12 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • Aged 18 or older
  • No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.6% per annum would result in a representative rate of 4.6% APR, monthly repayments of £223.12 and a total amount repayable of £8,032.32.

Lending Works Personal Loan

  • No repayment holidays
  • Funds available within 24 hours
  • No fees for early repayment
More info
5.21% APR Representative
£8,102.52
£225.07 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.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.2% per annum and a fee of £120.00 would result in a representative rate of 5.2% APR, monthly repayments of £225.07 and a total amount repayable of £8,102.52.

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.

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.

Opal homeowner loan

  • Same day decision
  • Accepted Rates based on your individual circumstances considered
More info
14.1% APR Representative
£9,131.76
£253.66 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be 25 years or older.
  • Earn a gross annual income greater than £15 000.
  • Must be a UK homeowner.
  • Did not miss any payments on your mortgage in the last 12 months.
  • Are not bankrupt, currently under IVA or on a Debt Management Arrangement.
  • Did not have any CCJ's in the last 12 months.

Additional criteria for acceptance from the lender may apply.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 14.1% per annum would result in a representative rate of 14.1% APR, monthly repayments of £253.66 and a total amount repayable of £9,131.76.

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
28.1% APR Representative
£10,738.08
£298.28 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.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 12.0% per annum and a fee of 7.5% would result in a representative rate of 28.1% APR, monthly repayments of £298.28 and a total amount repayable of £10,738.08.

AvantCredit Personal Loan

  • Rates starting at 9.3% 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
39.5% APR Representative
£12,024.36
£334.01 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • Aged 21 & older
  • Homeowners and tenants considered
  • Minimum net monthly income (take home pay) of £1,000
  • Must be in full-time or part-time employment
  • No CCJs, IVAs, bankruptcy or equivalent

Additional criteria for acceptance from the lender may apply.

Assumed borrowing of £7,500 over 36 months at a fixed rate of 39.5% per annum would result in a representative rate of 39.5% APR, monthly repayments of £334.01 and a total amount repayable of £12,024.36.

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:
  • Be employed
  • Minimum yearly income of £12,000
  • Aged 18 to 65
  • Homeowners and tenants considered
  • Adverse credit considered

Additional criteria for acceptance from the lender may apply.

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.

Frequently asked questions

About personal loans

While a credit card is a common way to borrow a small amount of money for a short time, and a mortgage a common way to borrow a large amount, unsecured personal loans can be the best way to borrow a fixed amount of between £1,000 and £35,000. 

Why choose a personal loan?

For borrowing a certain fixed amount personal loans often work out the cheapest option when compared to borrowing on a credit card or working into your overdraft. However, to get the most out of your unsecured personal loan you need to know what to look out for.

How much can you borrow on a personal loan?

Unsecured personal loans are typically for borrowing anywhere from £1,000 to £35,000. Generally speaking loans are cheaper the higher the amount you borrow (as the lender is guaranteed more in interest repayments), although the upper limit for personal unsecured loans tends to be up to £35,000. Above that will usually be secured loans. 

How do I know if a loan is good value?

The main criteria to look out for when comparing loans is the APR, or ‘annual percentage rate’. The APR is what loan companies will advertise to you, and is an interest rate that includes fees and charges you will pay to give you an idea of the actual interest rate you will pay over the course of a year.

Loan providers are required by law to show you an APR so you can compare between different loans. The higher the APR, the more you will pay in interest over the lifetime of your loan.

What is a ‘representative’ APR?

Unfortunately, whilst APR is certainly the best way to compare different loans, finding out which APR you will be offered is trickier. A representative ‘APR’ shows you the interest rate that at least 51% of people who applied for the loan were offered.

That means that when you apply you may be offered a higher rate based on your credit history. Unfortunately you have no way of knowing this until you apply for the loan, which will leave a footprint on your credit file. Too many footprints and you may be turned down for loans in future.

What else should I know about loans?

The majority of loans make their money – and hence justify the lower APRs – by fixing the rate and term of the loan. So, for instance, if you borrow £1,000, you will know from the outset exactly how much per month you will be repaying and what your total interest payments are.

To counteract you paying back the loan early, loan providers may charge you early repayment penalties if you try and pay back too much of your loan too quickly. Some loan providers won’t charge this, so read the fine print.

You should also know the difference between secured and unsecured loans. Secured loans are linked to your property, so if you can’t pay back the loan your home may be repossessed, making them a very risky proposition.