Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

Real rates from real lenders No origination fees Finance demystified

Personal Loans

Flexible rates for any purpose — consolidate, renovate, or cover expenses.

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Home Loans

Find the best mortgage rates for buying, refinancing, or equity release.

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Auto Loans

Finance your next vehicle or refinance an existing loan at competitive rates.

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Credit Cards

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Recently added

APR

99.9–1333.0%

Amount

£50–£1.5k

Lending Stream Short-Term Loan

Lending Stream

Term:3–6mo Decision: Minutes
18+ UK resident

This is high-cost credit — only consider it as a genuine last resort when you've exhausted all other options including credit unions.

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APR

39.9–299.8%

Amount

£1k–£15k

Personal

Everyday Loans for Imperfect Credit

Everyday Loans

Term:18–60mo

Everyday Loans offers a viable option for those with less-than-perfect credit seeking personal loans. However, the high APR rates warrant careful consideration.

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APR

6.9–29.9%

Amount

£10k–£500k

Business

Funding Circle Business Loans

Funding Circle

Term:72–72mo

Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.

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APR

7.9–29.9%

Amount

£3k–£50k

Auto

Oodle Car Finance

Oodle Car Finance

Term:24–60mo Decision: Instant decision
UK resident Aged 18+

Oodle Car Finance offers a straightforward approach to car finance, particularly for those with a decent credit history.

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APR

7.9–45.9%

Amount

£1k–£25k

Personal

Admiral Personal Loan

Admiral

Term:12–60mo Decision: Same day
18+ UK resident

Surprisingly competitive from the insurance giant. The soft-search tool is useful — lets you check your rate without affecting your credit score.

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APR

9.9%

Amount

£2k–£150k

Business

Tide Business Loans

Tide

Term:1–36mo Decision: Minutes
UK registered business Active Tide business account

Tide Business Loans provide quick approval times, making them for urgent funding needs. However, the minimum APR of 9.9% can be steep for long-term borrowing.

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APR

5.9–24.9%

Amount

£4k–£75k

Auto

MotoNovo Finance

MotoNovo Finance

Term:12–60mo Decision: Same day decision
UK resident Aged 18+

MotoNovo Finance is a solid choice for those looking for flexible car finance options with quick approvals.

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APR

5.1–30.5%

Amount

£500–£25k

Personal

Monzo Loan

Monzo

Term:3–60mo Decision: Instant
Monzo current account 18+

The fastest loan experience in the UK — genuinely instant if you're already a Monzo customer. But rates vary wildly based on your in-app credit score.

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APR

18.0–49.9%

Amount

£1k–£500k

Business

iwoca Business Loans

iwoca

Term:1–24mo

iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.

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APR

5.9–24.9%

Amount

£4k–£100k

Auto

Close Brothers Motor Finance

Close Brothers Motor Finance

Term:12–60mo Decision: Same day decision
UK resident Aged 18+

Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.

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APR

5.9–34.9%

Amount

£1k–£35k

Personal

Zopa Personal Loan

Zopa

Term:12–60mo Decision: Minutes
UK resident 18+

Excellent user experience and transparent eligibility checker. Rates can be very competitive for good credit scores but balloon for weaker profiles.

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APR

12.9–69.9%

Amount

£3k–£25k

Auto

Moneybarn Car Finance for Poor Credit

Moneybarn

Term:24–60mo Decision: Same day decision
UK resident Age 18+

Moneybarn provides a viable option for those with less-than-perfect credit looking for car finance. Their understanding of specialist lending can ease access for many drivers.

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APR

5.5–19.9%

Amount

£1k–£25k

Personal

Nationwide Personal Loan

Nationwide

Term:12–60mo Decision: Same day
UK resident 18+

A trustworthy building society with fair rates. You need to be a member, but opening an account is easy.

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APR

8.9–49.9%

Amount

£1k–£75k

Auto

Zuto Car Finance

Zuto

Term:24–60mo Decision: Decision in 60 seconds
UK resident Age 18+

Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.

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APR

3.9–21.9%

Amount

£1k–£25k

Personal

HSBC Personal Loan

HSBC

Term:12–60mo Decision: Same day
UK resident 18+

Among the lowest headline APRs on the market for larger loans. The 3.9% rate is genuinely competitive if you qualify.

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APR

8.9–47.0%

Amount

£1k–£50k

Auto

CarFinance 247

CarFinance 247

Term:12–60mo Decision: Instant online
UK residency Minimum age 18

CarFinance 247 provides quick access to a wide range of auto loans, but high APRs may deter some borrowers.

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APR

24.9–69.9%

Amount

£1k–£5k

Personal

Ocean Finance Personal Loan

Ocean Finance

Term:12–60mo

Ocean Finance offers a range of personal loans with flexible terms, but high APR rates may deter some borrowers.

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APR

4.9–19.9%

Amount

£4k–£100k

Auto

Black Horse Car Finance

Black Horse

Term:12–60mo Decision: Same day via dealer
UK resident Aged 18+

Black Horse Car Finance offers a wide range of loan options, making it a strong contender for those looking to finance a vehicle.

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Latest from the blog

NatWest Personal Loan: No Early Repayment Fees, But Is It Worth It?

Looking for a flexible loan with no early repayment penalties? NatWest offers just that, though the APR can climb as high as 19.9%.

Bamboo Loans: A Lifeline for Bad Credit

Struggling with bad credit? Bamboo offers a real shot at getting funded, but expect high rates in return.

Lloyds Bank Personal Loan: Flexible, But Not Always Cheap

Lloyds Bank offers a personal loan that's big on flexibility with perks like free overpayments and no fees. But watch out—while rates start low, they can skyrocket for smaller amounts.