Zopa Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0003.9% APR
(£7,500 to £15,000)
1 year to 5 years
You must be at least 23 years old, with an annual income of at least £16,000 & have a good credit history / no CCJ's.
Representative Example: The Representative APR is 3.9% APR so if you borrow £7,500 over 3 years at a rate of 3.50% p.a. (fixed) you will repay £221.03 per month & £7,957 in total. This includes a £70 fee.
Hitachi Personal Finance Personal Loan
Loan AmountRepresentative APRLoan Term
£2,500 to £25,0004.0% APR
(£7,500 to £10,000)
2 years to 5 years
Representative Example: The Representative APR is 4% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4% APR p.a. (fixed) you will repay £225.47 per month & £10,822.56 in total.
Tesco Bank Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.1% APR
(£7,500 to £15,000)
1 year to 10 years
As a thank you, Clubcard customers get a 1000 points when they apply by 31st Oct through Money.co.uk, are accepted and receive their money by 30th Nov. Enter your Clubcard number when you apply. T&Cs apply.
Representative Example: The Representative APR is 4.1% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.1% APR p.a. (fixed) you will repay £225.90 per month & £10,843.20 in total.
AA Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.1% APR
(£7,500 to £15,000)
1 year to 5 years
Free AA Breakdown cover for a year or half price upgrade for existing AA Breakdown members. For T&C’s see website.
Excellent credit rating required. Homeowners are more likely to be accepted.
Representative Example: The Representative APR is 4.1% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.1% APR p.a. (fixed) you will repay £226.77 per month & £10,884.96 in total.
Sainsbury's Bank Medium Loan (1-5Yrs) Non Nectar
Loan AmountRepresentative APRLoan Term
£7,500 to £15,0004.1% APR
(£7,500 to £15,000)
1 year to 5 years
Representative Example: The Representative APR is 4.1% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.1% APR p.a. (fixed) you will repay £225.90 per month & £10,843.20 in total.
Nationwide Personal Loan Ex/C
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.2% APR
(£7,500 to £14,999 )
1 year to 5 years
Available to existing customers only.
Representative Example: The Representative APR is 4.2% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.2% APR p.a. (fixed) you will repay £226.33 per month & £10,863.84 in total.
Santander Internet Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £20,0004.3% APR
(£7,500 to £15,000)
1 year to 5 years
You must have a direct debit facility.
Representative Example: The Representative APR is 4.3% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.3% APR p.a. (fixed) you will repay £226.77 per month & £10,884.96 in total.
Nationwide Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.5% APR
(£7,500 to £14,999)
1 year to 5 years
Representative Example: The Representative APR is 4.5% APR (fixed) so if you borrow £10,000 over 5 years at a rate of 4.5% p.a. (fixed) you will repay £186.02 per month & £11,161.20 in total.
RBS Internet Loan Ex/C
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.9% APR
(£7,500 to £14,999)
1 year to 7 years
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.
Available to existing customers only.
Representative Example: The Representative APR is 4.9% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.9% APR p.a. (fixed) you will repay £229.36 per month & £11,009.28 in total.
NatWest Personal Loan Ex/C
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.9% APR
(£7,500 to £14,999)
1 year to 7 years
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.
Available to existing customers only.
Representative Example: The Representative APR is 4.9% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.9% APR p.a. (fixed) you will repay £229.36 per month & £11,009.28 in total.
Clydesdale Bank Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.9% APR
(£7,500 to £14,999)
1 year to 7 years
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. Rates available online, in branch and via telephone.
Representative Example: The Representative APR is 4.9% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.9% APR p.a. (fixed) you will repay £229.57 per month & £11,019.36 in total.
Yorkshire Bank Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.9% APR
(£15,000 to £25,000)
1 year to 7 years
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. Rates available online, in branch and via telephone.
Representative Example: The Representative APR is 4.9% APR (fixed) so if you borrow £15,000 over 4 years at a rate of 4.9% APR p.a. (fixed) you will repay £344.35 per month & £16,528.80 in total.
lendable 2 Year Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £10,0005.3% APR
(£1,000 to £10,000)
2 years
Quick, convenient online application, approval within minutes. All fees included in the APR. Repay early without charges. Good credit rating required.
Good credit rating required.
Representative Example: The Representative APR is 5.3% APR (fixed) so if you borrow £5,000 over 24 months at a rate of 5.3% p.a. (fixed) you will repay £220 per month & £5,280 in total.
RateSetter 1 Year Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0005.3% APR
(£4,000 to £4,999)
1 year to 23 months
Quick and simple online process, approval within 24 hours. No early repayment charges and all fees are included in the APR. Need good credit history.
Representative Example: The Representative APR is 5.9% APR (fixed) at a rate of 5.9% APR p.a. (fixed) Arrangement fee from £58.80.
Sainsbury's Bank Standard Small Loan (£5K-£7499) (4-5 Yrs)
Loan AmountRepresentative APRLoan Term
£5,000 to £7,4995.4% APR
(£5,000 to £7,499)
4 years to 5 years
Representative Example: The Representative APR is 5.4% APR (fixed) so if you borrow £5,000 over 4 years at a rate of 5.4% APR p.a. (fixed) you will repay £115.76 per month & £5,556.48 in total.
lendable 3 Year Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £10,0005.8% APR
(£1,000 to £10,000)
3 years
Quick, convenient online application, approval within minutes. All fees included in the APR. Repay early without charges. Good credit rating required.
Good credit rating required.
The Representative APR is 5.8% APR (fixed) so if you borrow £5,000 over 36months at a rate of 4.5% p.a. (fixed) you will repay £152 per month &£5,460 in total.
Sainsbury's Bank Standard Large Loan (5+ Yrs) Ex/C
Loan AmountRepresentative APRLoan Term
£15,001 to £25,0005.9% APR
(£15,001 to £25,000)
61 months to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 5.9% APR (fixed) so if you borrow £20,000 over 7 years at a rate of 5.9% p.a. (fixed) you will repay £289.74 per month & £24,338.16 in total.
Sainsbury's Bank Standard Medium Loan (5+ Yrs) Ex/C
Loan AmountRepresentative APRLoan Term
£7,500 to £15,0006.1% APR
(£7,500 to £15,000)
61 months to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 6.1% APR (fixed) at a rate of 6.1% APR p.a. (fixed)
Ulster Bank Personal Loan Ex/C
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0006.4% APR
(£7,000 to £14,950)
1 year to 5 years
Available to existing customers only.
Representative Example: The Representative APR is 6.4% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 6.4% p.a. (fixed) you will repay £145.76 per month & £8,745.60 in total.
Sainsbury's Bank Xtra Large Loan Non-Nectar
Loan AmountRepresentative APRLoan Term
£25,001 to £35,0006.9% APR
(£25,001 to £35,000)
2 years to 5 years
Representative Example: The Representative APR is 6.9% APR (fixed) at a rate of 6.9% APR p.a. (fixed)

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How money.co.uk Can Help You Find the Right Loan

by DanB from money.co.uk

If you want a loan, you'll have noticed that there are many types out there. They're each suited to different types of customer and circumstances, so you'll need to work out which is right for you, and we can help.

Woman White Laptop

We make it easy for you to find the cheapest loan by comparing deals from almost every lender in the UK.

Finding the right loan for you means deciding what type you need, so let's have a closer look at your options:

Unsecured loans

With an unsecured or personal loan you can usually borrow up to 25,000 over a period of 1-10 years. These loans don't require you to secure property against them, but the rate you pay will depend on your personal circumstances.

You can tailor the amount you borrow and the repayment term, so the monthly payments are set at a level you can afford.

Secured loans

Secured loans are generally guaranteed against your home so the lender is able to recover their costs if you don't repay them.

They allow you to borrow more than unsecured loans and over a longer term. This can make them more expensive in the long run, so it's extra important to make sure you research and compare all of your options.

You also need to understand that there is a risk you could lose your home if you fell far enough behind on your payments.

Guarantor loans

Guarantor loans offer a chance to borrow money over a term of a year or more to people struggling to get credit elsewhere.

You'll need a guarantor: someone to back you up and agree to repay the loan if you fail to. They're often secured loans, meaning your guarantor will have to be a homeowner with enough equity in their property.

Car loans

A specialist car loan can sometimes offer a cheaper interest rate than a finance plan from a car dealership.

The loans are often secured on your car, meaning it could be repossessed if you fall behind on your payments.

Payday loans

Payday loans are short term unsecured loans designed to keep you going until you're paid.

However, they come with very high interest rates and fees if you miss payments or roll the loan over, so you should always look into your other options before taking out a payday loan.

Instalment loans

Instalment loans are similar to payday loans: they're quick, available to those with bad credit and they come with high interest rates.

However, they're repaid over a longer period rather than at the end of the month, meaning you can end up paying much more than you borrowed.

Logbook loans

Logbook loans are a type of secured loan where you use your car as collateral. They can be used for any purpose, not just for buying a new car.

Although they're often available to those with bad credit, they can be very expensive and you can even run the risk of losing your car if you can't keep up with the repayments.

Social lending / p2p loans

Peer to peer loan companies arrange loans between customers who want to borrow money and those who want to make a return by lending money.

Generally the loans are "pooled" and spread between several lenders. In theory, you can get a better interest rate than you might from a mainstream bank or building society but this isn't always the case.

Usually, the riskier you look as a borrower, the higher the interest rate you'll have to pay.

Bridging loans

Bridging loans are short term, secured loans that you can use to pay for a big purchase until you've found a long-term solution. They're quick to arrange and can last from one day to two years.

Their uses include quickly buying a house until you can sell your current property or obtain a mortgage, funding a business until it's profitable and completing a building project.

Business loans

Business loans can give your company a cash boost to help it start out or expand.

There are lots of different options available including secured, unsecured, bad credit and even peer to peer business loans. The best one for you will depend on how much you need, your assets and the nature of your business.

How to choose the best loan for you

We have Guides on each type of loan that explain how they work, who they'll suit and how to make sure you find the best one.

They also outline the risks of the most expensive loans, so it's absolutely vital you read these and consider your other options if you're thinking of taking out a payday or logbook loan.

You can then use our comparison tables to find the specific loan that's cheapest and most manageable for your circumstances.

It's also worth checking our Reviews section to make sure your chosen lender's customer service is up to scratch. If you have any questions, try our Q&A section to see if our community can help you out.

A-Z Loan Companies