Compare Loans

Compare loans from all the personal loans providers in the UK side by side with the help of our cheap loan comparison and find the cheapest loans that suit your circumstances in minutes. Whether you're looking for unsecured loans, secured loans or loans for bad credit we make it easy to find the best bank loan rates out there.

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	Loan		Term		Representative		Online Decision
	Minimum	Maximum	Minimum	Maximum	APR	Loan Amount	Online Decision
Zopa Personal Loan	£1,000	£15,000	1 year	5 years	5%	£7,500 to £15,000
Representative Example: The representative APR is 5.0% so if you borrow £7,500 over 3 years at a rate of 4.3% p.a. (fixed) you will repay £224.53 per month & £8,082.94 in total.
Derbyshire Building Society Personal Loan	£5,000	£20,000	1 year	5 years	5%	£7,500 to £15,000
Representative Example: The representative APR is 5% (fixed) so if you borrow £15,000 over 4 years at a rate of 5% p.a. (fixed) you will repay £344.69 per month & £16,545.12 in total. For a limited time, get 5.0% APR Representative for loans between £7,500 and £15,000.
Tesco Bank Personal Loan	£3,000	£25,000	1 year	10 years	5.1%	£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.33 per month & £16,575.84 in total. Fixed monthly payments and no set up charges, you choose the date when you want to make your repayment.
Clydesdale Bank Personal Loan	£7,500	£15,000	1 year	5 years	5.1%	£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.66 per month & £16,591.68 in total. Apply online and get an instant decision. Any purpose loans. You can repay your loan in full and part at any time and they'll reduce the total credit payable under the agreement. When calculating this reduction a charge may be added.
Sainsbury's Bank Standard Medium Loan (4-5 Yrs)	£7,500	£15,000	4 years	5 years	5.1%	£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.98 per month & £16,607.04 in total. Different rates apply if you don't have a Nectar Card.
The Co-operative Bank Personal Loan	£2,000	£25,000	1 year	5 years	5.8%	£7,500 to £14,950
Representative Example: The representative APR is 5.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 5.75% p.a. (fixed) you will repay £233.26 per month & £11,196.24 in total.
AA Personal Loan	£2,000	£25,000	1 year	5 years	5.8%	£7,500 to £14,950
Representative Example: The representative APR is 5.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 5.75% p.a. (fixed) you will repay £233.68 per month & £11,216.64 in total. The AA Personal Loan is provided by the Co-operative Bank p.l.c
RateSetter Fixed Rate Unsecured Personal Loan	£1,000	£25,000	3 years	5 years	6%	£6,001 to £25,000
Representative Example: The representative APR is 6% (fixed) so if you borrow £7,600 over 36 months at a rate of 6% p.a. you will repay £232.24 per month & £8,360.64 in total. Requires good credit history. Quick and simple online process, money usually in your account within 48 hours. No early repayment charges and all fees are included in the APR. Need good credit history.
Nationwide Personal Loan	£7,500	£25,000	1 year	5 years	6.2%	£7,500 to £14,999
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed)
NatWest Personal Loan	£1,000	£25,000	1 year	7 years	6.9%	£7,500 to £14,950
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £15,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £383.26 per month & £18,396.48 in total. Available to existing customers only. If you choose to repay your loan early, an early redemption charge of up to 58 days' interest will apply. Other loan amounts are available at alternative rates. Rates depend on circumstances and loan amount.
RBS Internet Loan (Existing Customers)	£1,000	£25,000	1 year	7 years	6.9%	£7,500 to £14,950
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £15,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £383.25 per month & £18,396 in total. Available to existing customers only. If you choose to repay your loan early, an early redemption charge of up to 58 days' interest will apply. Other loan amounts are available at alternative rates. Rates depend on circumstances and loan amount.
Sainsbury's Bank Standard Small Loan (£5K-£7499) (4-5 Yrs)	£5,000	£7,499	4 years	5 years	6.9%	£5,000 to £7,499
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £5,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £119.02 per month & £5,712.96 in total. Available to existing customers only.
Sainsbury's Bank Standard Medium Loan (5+ Yrs)	£7,500	£15,000	61 months	7 years	7.1%	£7,500 to £15,000
Representative Example: The representative APR is 7.1% (fixed) so if you borrow £10,000 over 7 years at a rate of 7.1% p.a. (fixed) you will repay £150.34 per month & £12,628.56 in total. Available to existing customers only.
Nemo Personal Finance Low APR Loan funded by Principality Building Soc.	£40,000	£200,000	3 years	25 years	7.3%	---
Representative Example: The representative APR is 7.3% so if you borrow £40000 over 15 years at a rate of 5.7% you will repay £361.67 per month & total amount payable £65,100.60. Available to home owners only.
Sainsbury's Bank Standard Large Loan (5+ Yrs)	£15,001	£25,000	61 months	7 years	8.2%	£15,001 to £25,000
Representative Example: The representative APR is 8.2% (fixed) so if you borrow £10,000 over 7 years at a rate of 8.2% p.a. (fixed) you will repay £310.80 per month & £26,107.20 in total. Available to existing customers only.
Nemo Personal Finance Loan for Self Employed 6.7%	£40,000	£200,000	3 years	25 years	8.4%	---
Representative Example: The representative APR is 8.4% so if you borrow £40000 over 10 years at a rate of 6.7% you will repay £384.26 per month & total amount payable £46,111.20. Available to home owners only.
Nemo Personal Finance Large Secured Loan	£40,000	£200,000	3 years	25 years	8.9%	---
Representative Example: The representative APR is 8.9% so if you borrow £40000 over 15 years at a rate of 7.2% you will repay £395.88 per month & total amount payable £71,258.40. Available to home owners only.
Shawbrook Bank Platinum Loan	£20,000	£200,000	3 years	25 years	9.2%	---
Representative Example: The representative APR is 9.2% so if you borrow £40000 over 15 years at a rate of 6.9% you will repay £402.23 per month & total amount payable £72,401.40. Available to home owners only.
Nemo Personal Finance Low Rate Secured Loan	£7,500	£39,999	3 years	25 years	9.8%	---
Representative Example: The representative APR is 9.8% so if you borrow £15000 over 10 years at a rate of 7.4% you will repay £193.28 per month & total amount payable £23,193.60. Available to home owners only.
Nemo Personal Finance Loan for Self Employed 8.2%	£40,000	£200,000	3 years	25 years	10%	---
Representative Example: The representative APR is 10% so if you borrow £40000 over 10 years at a rate of 8.2% you will repay £419.07 per month & total amount payable £50,288.40. Available to home owners only.
Prestige Finance 6.75% Loan at High LTV	£20,000	£60,000	3 years	25 years	10.19%	---
Representative Example: The representative APR is 10.19% so if you borrow £20000 over 10 years at a rate of 6.75% you will repay £261.45 per month & total amount payable £31,374.00. Available to home owners only.
Nemo Personal Finance High LTV Loan 13.1%	£7,500	£75,000	3 years	25 years	10.7%	---
Representative Example: The representative APR is 10.7% so if you borrow £40000 over 15 years at a rate of 11.9% you will repay £435.66 per month & total amount payable £78,418.80. Available to home owners only.
Nemo Personal Finance High LTV Secured Loan	£7,500	£39,999	3 years	25 years	10.9%	---
Representative Example: The representative APR is 10.9% so if you borrow £15000 over 10 years at a rate of 8.4% you will repay £201.27 per month & total amount payable £24,152.40. Available to home owners only.
Nemo Personal Finance Loan for Self Employed 8.4%	£7,500	£39,999	3 years	25 years	10.9%	---
Representative Example: The representative APR is 10.9% so if you borrow £15000 over 10 years at a rate of 8.4% you will repay £201.27 per month & total amount payable £24,152.40. Available to home owners only.
Prestige Finance Affordable Loan at High LTV	£20,000	£60,000	3 years	25 years	11.06%	---
Representative Example: The representative APR is 11.06% so if you borrow £20000 over 10 years at a rate of 7.5% you will repay £270.28 per month & total amount payable £32,433.60. Available to home owners only.
Step One Finance Low rate 8.9%	£7,500	£50,000	5 years	20 years	11.7%	---
Representative Example: The representative APR is 11.7% so if you borrow £30000 over 15 years at a rate of 8.9% you will repay £342.78 per month & total amount payable £61,700.40. Available to home owners only.
Nemo Personal Finance Loan for Self Employed 9.4%	£7,500	£39,999	3 years	25 years	11.9%	---
Representative Example: The representative APR is 11.9% so if you borrow £15000 over 10 years at a rate of 9.4% you will repay £209.44 per month & total amount payable £25,132.80. Available to home owners only.
Nemo Personal Finance Larger Loan up to £100k	£7,500	£200,000	3 years	25 years	12.3%	---
Representative Example: The representative APR is 12.3% so if you borrow £40000 over 15 years at a rate of 10.4% you will repay £472.07 per month & total amount payable £84,972.60. Available to home owners only.
Shawbrook Bank Secured Loan from 8.9%	£5,000	£60,000	3 years	25 years	12.4%	---
Representative Example: The representative APR is 12.4% so if you borrow £30000 over 10 years at a rate of 8.9% you will repay £425.45 per month & total amount payable £51,054.00. Available to home owners only.
Shawbrook Bank Secured Loan from 8.9%	£5,000	£75,000	3 years	25 years	12.4%	---
Representative Example: The representative APR is 12.4% so if you borrow £30000 over 10 years at a rate of 8.9% you will repay £425.45 per month & total amount payable £51,054.00. Available to home owners only.
Nemo Personal Finance High LTV Loan 13.1%	£7,500	£60,000	3 years	25 years	12.5%	---
Representative Example: The representative APR is 12.5% so if you borrow £30000 over 10 years at a rate of 13.1% you will repay £427.3 per month & total amount payable £51,276.00. Available to home owners only.
Step One Finance Low rate 9.9%	£7,500	£50,000	5 years	20 years	12.9%	---
Representative Example: The representative APR is 12.9% so if you borrow £30000 over 15 years at a rate of 9.9% you will repay £363.24 per month & total amount payable £65,383.20. Available to home owners only.
Blemain Finance Second Property Loan	£50,001	£500,000	3 years	30 years	13%	---
Representative Example: The representative APR is 13% so if you borrow £75000 over 20 years at a rate of 10.95% you will repay £840.06 per month & total amount payable £201,614.40. Available to home owners only.
Masthaven Prime Rate Loan	£5,000	£100,000	3 years	25 years	13.4%	---
Representative Example: The representative APR is 13.4% so if you borrow £40000 over 15 years at a rate of 10.6% you will repay £495.78 per month & total amount payable £89,240.40. Available to home owners only.
Blemain Finance Large Mild Bad Credit Loan	£50,001	£500,000	3 years	30 years	13.7%	---
Representative Example: The representative APR is 13.7% so if you borrow £90000 over 20 years at a rate of 11.65% you will repay £1046.42 per month & total amount payable £251,140.80. Available to home owners only.
Prestige Finance 9.9% Loan at High LTV	£5,000	£30,000	3 years	25 years	13.9%	---
Representative Example: The representative APR is 13.9% so if you borrow £15000 over 10 years at a rate of 9.9% you will repay £224.74 per month & total amount payable £26,968.80. Available to home owners only.
Prestige Finance 10.9% Loan at High LTV	£30,001	£75,000	3 years	25 years	13.91%	---
Representative Example: The representative APR is 13.91% so if you borrow £40000 over 15 years at a rate of 10.9% you will repay £508.59 per month & total amount payable £61,030.80. Available to home owners only.
Nemo Personal Finance Loan for Self Employed 11.4%	£7,500	£200,000	3 years	25 years	14.1%	---
Representative Example: The representative APR is 14.1% so if you borrow £40000 over 10 years at a rate of 11.4% you will repay £603.21 per month & total amount payable £72,385.20. Available to home owners only.
Blemain Finance Prime Rate Loan	£3,000	£50,000	3 years	30 years	14.3%	---
Representative Example: The representative APR is 14.3% so if you borrow £15000 over 10 years at a rate of 10.29% you will repay £227.73 per month & total amount payable £27,327.60. Available to home owners only.
Nemo Personal Finance Low APR Secured Loan	£7,500	£75,000	3 years	25 years	14.3%	---
Representative Example: The representative APR is 14.3% so if you borrow £40000 over 15 years at a rate of 12.2% you will repay £516.92 per month & total amount payable £93,045.60. Available to home owners only.
Nemo Personal Finance High LTV Loan 12.2%	£7,500	£100,000	3 years	25 years	14.3%	---
Representative Example: The representative APR is 14.3% so if you borrow £40000 over 15 years at a rate of 12.2% you will repay £516.92 per month & total amount payable £93,045.60. Available to home owners only.
Central Trust Ltd Large Loan 12.6%	£10,001	£30,000	5 years	30 years	14.4%	---
Representative Example: The representative APR is 14.4% so if you borrow £20000 over 10 years at a rate of 11.4% you will repay £305.25 per month & total amount payable £36,630.00. Available to home owners only.
Norton Finance Norton's Lowest APR Loan	£10,000	£30,000	1 year	20 years	14.5%	---
Representative Example: The representative APR is 14.5% so if you borrow £20000 over 10 years at a rate of 10.9% you will repay £305.87 per month & total amount payable £36,704.40. Available to home owners only.
Blemain Finance Mild Bad Credit Loan	£3,000	£50,000	3 years	30 years	14.7%	---
Representative Example: The representative APR is 14.7% so if you borrow £25000 over 15 years at a rate of 11.39% you will repay £329.49 per month & total amount payable £59,308.20. Available to home owners only.
Masthaven Secured Loan 70% LTV	£5,000	£80,000	3 years	25 years	14.7%	---
Representative Example: The representative APR is 14.7% so if you borrow £40000 over 15 years at a rate of 11.75% you will repay £528.12 per month & total amount payable £95,061.60. Available to home owners only.
Nemo Personal Finance Little Existing Credit	£7,500	£60,000	3 years	25 years	15.2%	---
Representative Example: The representative APR is 15.2% so if you borrow £30000 over 10 years at a rate of 12.4% you will repay £469.34 per month & total amount payable £56,320.80. Available to home owners only.
Nemo Personal Finance Platinum Loan	£7,500	£60,000	3 years	25 years	15.2%	---
Representative Example: The representative APR is 15.2% so if you borrow £20000 over 10 years at a rate of 12.4% you will repay £312.9 per month & total amount payable £37,548.00. Available to home owners only.
Step One Finance Low rate 10.9%	£7,500	£50,000	5 years	20 years	15.2%	---
Representative Example: The representative APR is 15.2% so if you borrow £25000 over 10 years at a rate of 10.9% you will repay £390.91 per month & total amount payable £46,909.20. Available to home owners only.
Blemain Finance Large Average Bad Credit Loan	£50,001	£500,000	3 years	30 years	15.4%	---
Representative Example: The representative APR is 15.4% so if you borrow £90000 over 15 years at a rate of 12.99% you will repay £1228.92 per month & total amount payable £221,205.60. Available to home owners only.
Step One Finance Specialist Buy To Let 11.9%	£7,500	£50,000	5 years	15 years	15.5%	---
Representative Example: The representative APR is 15.5% so if you borrow £30000 over 15 years at a rate of 11.9% you will repay £409.39 per month & total amount payable £73,690.20. Available to home owners only.
Masthaven Let-Property Prime Rate Loan	£5,000	£80,000	3 years	25 years	15.6%	---
Representative Example: The representative APR is 15.6% so if you borrow £30000 over 10 years at a rate of 11.75% you will repay £475.73 per month & total amount payable £57,087.60. Available to home owners only.
Shawbrook Bank Secured Loan from 11.9%	£5,000	£50,000	3 years	25 years	15.6%	---
Representative Example: The representative APR is 15.6% so if you borrow £25000 over 10 years at a rate of 11.9% you will repay £396.96 per month & total amount payable £47,635.20. Available to home owners only.
Nemo Personal Finance Little Existing Credit	£7,500	£60,000	3 years	25 years	15.7%	---
Representative Example: The representative APR is 15.7% so if you borrow £30000 over 10 years at a rate of 12.9% you will repay £477.81 per month & total amount payable £57,337.20. Available to home owners only.
Nemo Personal Finance High LTV Loan	£7,500	£60,000	3 years	25 years	15.9%	---
Representative Example: The representative APR is 15.9% so if you borrow £30000 over 10 years at a rate of 13.1% you will repay £481.27 per month & total amount payable £57,752.40. Available to home owners only.
Central Trust Ltd Large Loan 14.7%	£10,001	£30,000	5 years	30 years	16%	---
Representative Example: The representative APR is 16% so if you borrow £20000 over 10 years at a rate of 12.76% you will repay £322.37 per month & total amount payable £38,684.40. Available to home owners only.
Prestige Finance 12.5% Loan at High LTV	£5,000	£60,000	3 years	25 years	16.03%	---
Representative Example: The representative APR is 16.03% so if you borrow £30000 over 15 years at a rate of 12.5% you will repay £419 per month & total amount payable £50,280.00. Available to home owners only.
Masthaven Secured Loan 60% LTV	£5,000	£70,000	3 years	25 years	16.2%	---
Representative Example: The representative APR is 16.2% so if you borrow £30000 over 10 years at a rate of 12.25% you will repay £485.41 per month & total amount payable £58,249.20. Available to home owners only.
Nemo Personal Finance Fair Credit-Rating Loan	£7,500	£60,000	3 years	25 years	16.2%	---
Representative Example: The representative APR is 16.2% so if you borrow £20000 over 10 years at a rate of 13.4% you will repay £324.24 per month & total amount payable £38,908.80. Available to home owners only.
Masthaven Let-Property Loan 60% LTV	£5,000	£70,000	3 years	25 years	16.3%	---
Representative Example: The representative APR is 16.3% so if you borrow £20000 over 10 years at a rate of 12.1% you will repay £325.48 per month & total amount payable £39,057.60. Available to home owners only.
Step One Finance Low rate 11.9%	£7,500	£50,000	5 years	20 years	16.4%	---
Representative Example: The representative APR is 16.4% so if you borrow £25000 over 10 years at a rate of 11.9% you will repay £407.17 per month & total amount payable £48,860.40. Available to home owners only.
Nemo Personal Finance High LTV Secured Loan	£7,500	£60,000	3 years	25 years	16.6%	---
Representative Example: The representative APR is 16.6% so if you borrow £30000 over 10 years at a rate of 13.5% you will repay £488.22 per month & total amount payable £58,586.40. Available to home owners only.
Blemain Finance Average Bad Credit Loan	£3,000	£50,000	3 years	30 years	16.7%	---
Representative Example: The representative APR is 16.7% so if you borrow £30000 over 15 years at a rate of 12.99% you will repay £430.59 per month & total amount payable £77,506.20. Available to home owners only.
Blemain Finance Large Bad Credit Loan	£50,001	£500,000	3 years	30 years	17.1%	---
Representative Example: The representative APR is 17.1% so if you borrow £200000 over 20 years at a rate of 14.95% you will repay £2772.59 per month & total amount payable £665,421.60. Available to home owners only.
Shawbrook Bank Bad Credit Loan	£5,000	£50,000	3 years	25 years	17.4%	---
Representative Example: The representative APR is 17.4% so if you borrow £25000 over 10 years at a rate of 12.9% you will repay £428.58 per month & total amount payable £51,429.60. Available to home owners only.
Central Trust Ltd Small Loan 12.6%	£3,000	£10,000	3 years	15 years	17.6%	---
Representative Example: The representative APR is 17.6% so if you borrow £5000 over 5 years at a rate of 11.64% you will repay £122.45 per month & total amount payable £7,347.00. Available to home owners only.
Step One Finance Low rate 12.9%	£7,500	£50,000	5 years	20 years	17.6%	---
Representative Example: The representative APR is 17.6% so if you borrow £25000 over 10 years at a rate of 12.9% you will repay £423.78 per month & total amount payable £50,853.60. Available to home owners only.
Step One Finance Self Employed 11.9%	£7,500	£30,000	5 years	15 years	17.7%	---
Representative Example: The representative APR is 17.7% so if you borrow £15000 over 10 years at a rate of 11.9% you will repay £254.28 per month & total amount payable £30,513.60. Available to home owners only.
Nemo Personal Finance 90% LTV Secured Loan	£7,500	£60,000	3 years	25 years	17.8%	---
Representative Example: The representative APR is 17.8% so if you borrow £30000 over 10 years at a rate of 14.9% you will repay £512.46 per month & total amount payable £61,495.20. Available to home owners only.
Step One Finance Specialist Buy To Let 13.9%	£7,500	£50,000	5 years	15 years	18%	---
Representative Example: The representative APR is 18% so if you borrow £30000 over 15 years at a rate of 13.9% you will repay £454.42 per month & total amount payable £81,795.60. Available to home owners only.
Norton Finance Secured Loan 75% LTV/13.9%	£3,000	£30,000	1 year	20 years	18.1%	---
Representative Example: The representative APR is 18.1% so if you borrow £15000 over 10 years at a rate of 13.9% you will repay £258.64 per month & total amount payable £31,036.80. Available to home owners only.
Central Trust Ltd Large Loan 16.2%	£10,001	£30,000	5 years	30 years	18.8%	---
Representative Example: The representative APR is 18.8% so if you borrow £20000 over 10 years at a rate of 15% you will repay £351.71 per month & total amount payable £42,205.20. Available to home owners only.
Step One Finance Self Employed 12.9%	£7,500	£30,000	5 years	15 years	18.9%	---
Representative Example: The representative APR is 18.9% so if you borrow £15000 over 10 years at a rate of 12.9% you will repay £264.65 per month & total amount payable £31,758.00. Available to home owners only.
Norton Finance Secured Loan 70% LTV/14.9%	£3,000	£30,000	1 year	20 years	19.4%	---
Representative Example: The representative APR is 19.4% so if you borrow £15000 over 10 years at a rate of 14.9% you will repay £268.85 per month & total amount payable £32,262.00. Available to home owners only.
Prestige Finance 14.5% Loan at High LTV	£5,000	£50,000	3 years	25 years	19.57%	---
Representative Example: The representative APR is 19.57% so if you borrow £20000 over 10 years at a rate of 14.5% you will repay £360.42 per month & total amount payable £43,250.40. Available to home owners only.
Step One Finance Self Employed 13.9%	£7,500	£30,000	5 years	15 years	20.2%	---
Representative Example: The representative APR is 20.2% so if you borrow £15000 over 10 years at a rate of 13.9% you will repay £275.23 per month & total amount payable £33,027.60. Available to home owners only.
Central Trust Ltd Small Loan 14.7%	£3,000	£10,000	3 years	15 years	20.5%	---
Representative Example: The representative APR is 20.5% so if you borrow £5000 over 5 years at a rate of 14% you will repay £129.15 per month & total amount payable £7,749.00. Available to home owners only.
Step One Finance Low rate 14.9%	£7,500	£40,000	5 years	20 years	20.5%	---
Representative Example: The representative APR is 20.5% so if you borrow £20000 over 10 years at a rate of 14.9% you will repay £369.58 per month & total amount payable £44,349.60. Available to home owners only.
Norton Finance Secured Loan 70% LTV/15.9%	£3,000	£30,000	1 year	20 years	20.6%	---
Representative Example: The representative APR is 20.6% so if you borrow £15000 over 10 years at a rate of 15.9% you will repay £279.12 per month & total amount payable £33,494.40. Available to home owners only.
Step One Finance BTL for Self Employed 13.9%	£7,500	£30,000	5 years	15 years	20.8%	---
Representative Example: The representative APR is 20.8% so if you borrow £15000 over 10 years at a rate of 13.9% you will repay £279.87 per month & total amount payable £33,584.40. Available to home owners only.
Spring Finance Secured Loan	£10,000	£30,000	5 years	25 years	21.02%	---
Representative Example: The representative APR is 21.02% so if you borrow £15000 over 10 years at a rate of 15% you will repay £282.25 per month & total amount payable £33,870.00. Available to home owners only.
Blemain Finance Bad Credit Loan	£3,000	£30,000	3 years	30 years	21.1%	---
Representative Example: The representative APR is 21.1% so if you borrow £15000 over 10 years at a rate of 14.99% you will repay £274.57 per month & total amount payable £32,948.40. Available to home owners only.
Central Trust Ltd Small Loan 16.2%	£3,000	£10,000	3 years	15 years	22.5%	---
Representative Example: The representative APR is 22.5% so if you borrow £5000 over 5 years at a rate of 15.6% you will repay £133.79 per month & total amount payable £8,027.40. Available to home owners only.
Shawbrook Bank Fast Track Secured Loan	£3,000	£15,000	3 years	25 years	22.9%	---
Representative Example: The representative APR is 22.9% so if you borrow £10000 over 5 years at a rate of 17.9% you will repay £269.35 per month & total amount payable £16,161.00. Available to home owners only.
Step One Finance BTL for Self Employed 15.9%	£7,500	£30,000	5 years	15 years	23.5%	---
Representative Example: The representative APR is 23.5% so if you borrow £15000 over 10 years at a rate of 15.9% you will repay £301.99 per month & total amount payable £36,238.80. Available to home owners only.
Norton Finance Secured Loan 60% LTV/16.9%	£3,000	£30,000	1 year	20 years	24.7%	---
Representative Example: The representative APR is 24.7% so if you borrow £10000 over 5 years at a rate of 16.9% you will repay £277.6 per month & total amount payable £16,656.00. Available to home owners only.
First European Securities Bad Credit Loan for Self Employed	£5,000	£30,000	5 years	25 years	26.9%	---
Representative Example: The representative APR is 26.9% so if you borrow £15000 over 10 years at a rate of 19.8% you will repay £330.99 per month & total amount payable £39,718.80. Available to home owners only.
Shawbrook Bank 95% LTV Secured Loan	£3,000	£25,000	3 years	25 years	28%	---
Representative Example: The representative APR is 28% so if you borrow £10000 over 60 years at a rate of 21.9% you will repay £292.98 per month & total amount payable £17,578.80. Available to home owners only.
Step One Finance Self Employed 14.9%	£7,500	£30,000	5 years	15 years	28.1%	---
Representative Example: The representative APR is 28.1% so if you borrow £10000 over 5 years at a rate of 14.9% you will repay £291.85 per month & total amount payable £17,511.00. Available to home owners only.
Step One Finance Self Employed 15.9%	£7,500	£30,000	5 years	15 years	29.4%	---
Representative Example: The representative APR is 29.4% so if you borrow £10000 over 5 years at a rate of 15.9% you will repay £298.34 per month & total amount payable £17,900.40. Available to home owners only.
Equifinance Larger Bad Credit Loan	£15,000	£30,000	5 years	20 years	31.1%	---
Representative Example: The representative APR is 31.1% so if you borrow £20000 over 10 years at a rate of 23.4% you will repay £488.76 per month & total amount payable £58,651.20. Available to home owners only.
Equifinance 70% LTV Bad Credit Loan	£10,000	£15,000	5 years	20 years	35.8%	---
Representative Example: The representative APR is 35.8% so if you borrow £10000 over 5 years at a rate of 23.4% you will repay £329.54 per month & total amount payable £19,772.40. Available to home owners only.
First European Securities Micro Loan	£2,000	£9,000	5 years	25 years	39.8%	---
Representative Example: The representative APR is 39.8% so if you borrow £5000 over 7 years at a rate of 23.4% you will repay £156.6 per month & total amount payable £13,154.40. Available to home owners only.
Equifinance 75% LTV Bad Credit Loan	£5,000	£10,000	5 years	20 years	42.4%	---
Representative Example: The representative APR is 42.4% so if you borrow £5000 over 5 years at a rate of 23.4% you will repay £180.33 per month & total amount payable £10,819.80. Available to home owners only.
UK Credit Ltd Guarantor Loan	£1,000	£5,000	1 year	5 years	47.9%	£1,000 to £5,000
Representative Example: The representative APR is 47.9% (fixed) so if you borrow £3,000 over 3 years at a rate of 32.1% p.a. (fixed) you will repay £143.91 per month & £5,180.76 in total. UK Credit is a specialist, no fee guarantor loan provider. All bad credit considered. Please only apply if you have a homeowner guarantor to support your application.
Evolution Money £7,600 - £10,000 Loan	£7,600	£10,000	5 years	7 years	49.3%	---
Representative Example: The representative APR is 49.3% so if you borrow £8000 over 7 years at a rate of 2.75% you will repay £289.22 per month & total amount payable £24,294.29. Available to home owners only.
Amigo Loans Ltd Guarantor Loan	£500	£5,000	1 year	5 years	49.9%	£500 to £5,000
Representative Example: The representative APR is 49.9% (variable) so if you borrow £5,000 over 2 years at a rate of 41.16% p.a. you will repay £309.11 per month & £7,418.64 in total. Struggling to get a loan even though you know can afford to pay it back? Amigo can lend you up to £5000 as long as you've got someone willing to back you up.
1Plus1 Loans Guarantor Loan	£500	£3,000	1 year	3 years	49.9%	£500 to £3,000
Representative Example: The representative APR is 49.9% (fixed) so if you borrow £2,000 over 2 years at a rate of 49.9% p.a. (fixed) you will repay £133.84 per month & £3,212.16 in total. Arrangement fee £50.
Evolution Money £3,600 - £7,500 Loan	£3,600	£7,500	2 years	5 years	55.2%	---
Representative Example: The representative APR is 55.2% so if you borrow £6000 over 6 years at a rate of 3% you will repay £241.1 per month & total amount payable £17,359.39. Available to home owners only.
Aspire Money Personal Loan	£500	£7,500	1 year	7 years	62.1%	£500 to £7,500
Representative Example: Representative 62.1% APR. Borrow £3000 and pay £161.03 a month for 36 months. The total charge for credit is £2797.08 (all interest). The Total Repayable is £5797.08. Aspire Money offer a loan brokering service with no upfront fees and have loans available that don\'t require a guarantor. Please only apply if you are aged 18 to 65, employed or self employed with a income of more than £800 a month.
Evolution Money £2,100 - £3,500 Loan	£2,100	£3,500	1 year	2 years	84.8%	---
Representative Example: The representative APR is 84.8% so if you borrow £4500 over 3 years at a rate of 4% you will repay £280.83 per month & total amount payable £10,109.86. Available to home owners only.
Evolution Money £1,000 - £2,000 Loan	£1,000	£2,000	6 months	15 months	119.7%	---
Representative Example: The representative APR is 119.7% so if you borrow £1500 over 2 years at a rate of 5% you will repay £128.27 per month & total amount payable £3,078.56. Available to home owners only.
Pounds to Pocket Personal Loan	£200	£2,000	1 year	1 year	278%	£200 to £2,000
Representative example: The representative APR is 278% so if you borrow £500 over 1 year at a rate of 140% you will repay £79.09 per month and £949.01 in total.
Provident Personal Credit Cash Loan	£100	£500	6 months	1 year	399.7%	£100 to £500
Representative 399.7% APR. Representative example: Borrow £200 and pay £10 per week for 32 weeks at a fixed interest rate of 97.5% per year. The Total Repayable is £320.

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Very good information, keep up the good work!

Jrvaria

How to Find the Best Loans for Your Circumstances

If you need to borrow money and are looking for a loan, getting a good deal is essential for keeping your costs down. Here’s how to find the best unsecured personal loans or secured loans available in the UK.

If you’re looking for a personal loan, getting the best deal possible can make a big difference to how much you end up having to repay.

There are a number of different factors you need to weigh up before applying for an unsecured personal loan or for secured loans. Here’s how to get the best loan for your individual circumstances.

Decide how much do you need to borrow?

Before starting your search for cheap loans, you need first to work out how much you actually need to borrow - this will enable you to compare personal loans best suited to your needs.

Ultimately the amount you need to borrow will impact the type of personal loan you will need to look for.

The maximum you can borrow with an unsecured loan is £25,000, but you may be able to borrow more than this by applying for a secured loan.

The majority of loans will specify a minimum-maximum loan bracket, for example £7,500-£15,000, so that you can see clearly if the amount you need to borrow will be available before you decide to apply.

Loan term

Deciding how long you want to take to repay the loan is also essential when looking for the best loan for your circumstances.

Spreading the repayment of your loan over a longer period can reduce your monthly repayments, lower your APR and make the loan more affordable.

However you will be committed to repaying the loan for longer and likely end up paying more in interest so it's generally best to spread your repayments over the shortes time period that you can comfortably afford.

Check the application criteria

Before you apply for any financial product, including a loan, you will need to check that you meet the application criteria.

With loans this typically relates to your age, income and credit rating, although you will need also to be a homeowner if you're applying for a secured loan.

If you have had difficulties managing your borrowing in the past then finding cheap loans for bad credit can be trickier to find but not impossible.

While late payments, defaults and IVAs will all count against your credit rating there are still several lenders who will extend credit to applicants without charging extortionately high interest rates.

To compare personal loans available to people with poor credit use our Bad Credit Loans comparison table.

Interest, interest, interest

Once you have narrowed your options based upon how much you want to borrow and for how long, and have excluded deals you don’t meet the criteria for, your primary concern should be the cost.

This will largely be determined by the interest rate, as in most cases loans with the lowest interest rate will prove to be the cheapest loans.

The figure that you need to compare is each loans’ APR (Annual Percentage Rate) as it is this interest rate which will determine just how much your borrowing will cost.

The APR is the advertised rate of interest that at least 51% of applicants will get when they apply. As such it is not a guaranteed that you will be given this rate if you apply as risk based pricing is likely to be used (whereby your credit rating is used to determine the rate of interest you are charged).

As a result it makes sense to ask for a cost illustration based on the advertised APR to check what you might have to repay before asking for a full quote.

You can compare loan interest rates side by side using our loan comparison table.

Fixed or flexible?

Finally, before you apply for a loan you should check you are happy with how and when you will be able to repay it.

The majority of secured and unsecured loans will set a fixed monthly repayment for a set number of months, but you should check possible charges should you want to re-pay the loan early.

If this flexibility is very important to you, you may decide to apply for a slightly more expensive loan which gives you the freedom to repay what you want without charge.

However, you will need to make sure that you know how much this will cost you before making a decision, as opting for a lower interest loan and paying any early repayment charges could still prove to be cheaper than a more expensive flexible loan.

When looking for a secured loan you should also consider how much you can borrow in relation to the value of the item being used to secure the loan (your home for instance).

You must also double check under what cirumstances the company can seek to force you to sell it to get their money back.

For more help picking the best personal loan take a look at our guide 9 Top Tips For the Best Deal on a Personal Loan.

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