Compare loans in our cheap loan comparison of unsecured & secured loan rates &
find the cheapest loans UK lenders offer. We make it easy to find the
best bank rates possible whether for unsecured, personal, secured, consolidation
or bad credit loans so your borrowing costs you less.

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Loan | Representative APR | For Loan Amounts | Term | |||||

Minimum | Maximum | Minimum | Maximum | |||||

Zopa Personal Loan | £1,000 | £20,000 | 4.3% | £7,500 to £15,000 | 2 years | 5 years | ||

Representative Example: The Representative APR is 4.3% so if you borrow £10,000 over 3 years at a rate of 4.3% p.a. (fixed) you will repay £296.42 per month & £10,671.12 in total. 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. | ||||||||

Clydesdale Bank Personal Loan | £1,000 | £25,000 | 4.4% | £7,500 to £15,000 | 1 year | 7 years | ||

Representative Example: The Representative APR is 4.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.4% p.a. (fixed) you will repay £227.20 per month & £10,905.60 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. | ||||||||

Yorkshire Bank Personal Loan | £1,000 | £25,000 | 4.4% | £7,500 to £15,000 | 1 year | 7 years | ||

Representative Example: The Representative APR is 4.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.4% p.a. (fixed) you will repay £227.20 per month & £10,905.60 in total. | ||||||||

Tesco Bank Personal Loan | £3,000 | £25,000 | 4.5% | £7,500 to £15,000 | 1 year | 10 years | ||

Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.62 per month & £10,925.76 in total. | ||||||||

Hitachi Personal Finance Personal Loan | £2,500 | £25,000 | 4.5% | £7,500 to £10,000 | 2 years | 5 years | ||

Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.63 per month & £10,926.24 in total. | ||||||||

Sainsbury's Bank Standard Medium Loan (4-5 Yrs) | £7,500 | £15,000 | 4.5% | £7,500 to £15,000 | 4 years | 5 years | ||

Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.63 per month & £10,926.24 in total. Different rates apply if you don't have a Nectar Card. | ||||||||

Santander Internet Loan | £1,000 | £20,000 | 4.5% | £7,500 to £15,000 | 1 year | 5 years | ||

Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.63 per month & £10,926.24 in total. | ||||||||

Derbyshire Building Society Personal Loan | £5,000 | £20,000 | 4.6% | £7,500 to £15,000 | 1 year | 5 years | ||

Representative Example: The Representative APR is 4.6% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.6% p.a. (fixed) you will repay £228.06 per month & £10,946.88 in total. For a limited time, get 4.6% APR Representative for loans between £7,500 and £15,000. | ||||||||

M&S Bank Personal Loan (New Customers) | £1,000 | £25,000 | 4.8% | £7,500 to £15,000 | 1 year | 7 years | ||

Representative Example: The Representative APR is 4.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.8% p.a. (fixed) you will repay £228.93 per month & £10,988.64 in total. To apply for an M&S Personal Loan you have to be a UK resident aged 30 or over or a homeowner. To apply for an M&S Loan, you must have an annual income of at least £10,000 and be aged 30 or over, or a homeowner aged 18 or over. | ||||||||

RBS Internet Loan (Existing Customers) | £1,000 | £25,000 | 4.9% | £7,500 to £14,950 | 1 year | 7 years | ||

Representative Example: The Representative APR is 4.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.9% p.a. (fixed) you will repay £229.36 per month & £11,009.28 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. | ||||||||

Shawbrook Bank Platinum Exclusive Secured Loan | £20,000 | £100,000 | 5.0% | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 5% (variable) so if you borrow £20,000 over 10 years at a rate of 4.9% p.a. (variable) you will repay £211.15 per month & total amount payable £25,455.60. You must be a homeowner to apply as this loan will be secured against your home. Exclusively available when you get a quote through money.co.uk. | ||||||||

Sainsbury's Bank Standard Small Loan (£5K-£7499) (4-5 Yrs) | £5,000 | £7,499 | 5.7% | £5,000 to £7,499 | 4 years | 5 years | ||

Representative Example: The Representative APR is 5.7% (fixed) so if you borrow £5,000 over 4 years at a rate of 5.7% p.a. (fixed) you will repay £116.41 per month & £5,587.68 in total. | ||||||||

Nationwide Personal Loan | £7,500 | £25,000 | 6.2% | £7,500 to £14,999 | 1 year | 5 years | ||

Representative Example: The representative APR is 6.2% (fixed) so if you borrow £11,000 over 51 months at a rate of 6.2% p.a. (fixed) you will repay £245.04 per month & £12,497.04 in total. | ||||||||

Nemo Personal Finance Nemo's cheapest Secured Loan | £40,000 | £200,000 | 6.2% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 6.2% (variable) so if you borrow £100000 over 25 years at a rate of 5.592% p.a. (variable) you will repay £644.38 per month & total amount payable £154,651.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

NatWest Personal Loan | £1,000 | £25,000 | 6.4% | £7,500 to £14,950 | 1 year | 7 years | ||

Representative Example: The Representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £235.77 per month & £11,316.96 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 Medium Loan (5+ Yrs) | £7,500 | £15,000 | 6.5% | £7,500 to £15,000 | 61 months | 7 years | ||

Representative Example: The Representative APR is 6.5% (fixed) so if you borrow £10,000 over 7 years at a rate of 6.5% p.a. (fixed) you will repay £147.60 per month & £12,398.40 in total. | ||||||||

Sainsbury's Bank Standard Large Loan (5+ Yrs) | £15,001 | £25,000 | 6.6% | £15,001 to £25,000 | 61 months | 7 years | ||

Representative Example: The Representative APR is 6.6% (fixed) so if you borrow £20,000 over 7 years at a rate of 6.60% p.a. (fixed) you will repay £296.10 per month & £24,872.40 in total. | ||||||||

RateSetter 1 Year Loan | £1,000 | £25,000 | 6.7% | £5,000 to £14,999 | 1 year | 23 months | ||

Representative Example: The Representative APR is 6.7% (fixed) at a rate of 6.7% p.a. (fixed)Arrangement fee £115.75. 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. | ||||||||

Prestige Finance Super Sized Secured Loan from 6.5% | £100,000 | £2,500,000 | 6.86% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 6.86% (variable) so if you borrow £500000 over 20 years at a rate of 6.5% p.a. (variable) you will repay £3772.56 per month & total amount payable £905,414.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Moneyway Plus Loan | £3,000 | £15,000 | 7.5% | £7,001 to £15,000 | 1 year | 5 years | ||

Representative Example: The Representative APR is 7.9% so if you borrow £7,000 over 3 years at a rate of 7.9% p.a. (fixed) you will repay £218.15 per month & £7,853.40 in total. | ||||||||

Prestige Finance Super Sized Secured Loan from 7.5% | £100,000 | £2,500,000 | 7.84% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 7.84% (variable) so if you borrow £1000000 over 25 years at a rate of 7.5% p.a. (variable) you will repay £7434.21 per month & total amount payable £2,230,263.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Part of the Principality Building Society Group | £40,000 | £200,000 | 8.3% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.3% (variable) so if you borrow £50000 over 20 years at a rate of 7.008% p.a. (variable) you will repay £418.92 per month & total amount payable £100,540.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Flexible low rate Secured Loan | £100,001 | £150,000 | 8.3% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.3% (variable) so if you borrow £150000 over 20 years at a rate of 7.5% p.a. (variable) you will repay £1254.15 per month & total amount payable £300,996.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Secured Loans for Self Employed 6.7% APR | £40,000 | £200,000 | 8.4% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.4% (variable) so if you borrow £40000 over 10 years at a rate of 6.54% p.a. (variable) you will repay £384.26 per month & total amount payable £46,111.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Prestige Finance Prestige Finance most affordable secured loan | £10,000 | £100,000 | 8.47% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.47% (variable) so if you borrow £50000 over 15 years at a rate of 6.75% p.a. (variable) you will repay £482.28 per month & total amount payable £86,810.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Flexible low rate Secured Loan | £150,001 | £200,000 | 8.5% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.5% (variable) so if you borrow £175000 over 20 years at a rate of 7.75% p.a. (variable) you will repay £1484.52 per month & total amount payable £356,284.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Low rate Secured Loan 8.75% | £200,000 | £500,000 | 8.5% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.5% (variable) so if you borrow £175000 over 20 years at a rate of 8.75% p.a. (variable) you will repay £1484.52 per month & total amount payable £356,284.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Low Rate secured loan from 7% | £7,500 | £39,999 | 8.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.9% (variable) so if you borrow £30000 over 15 years at a rate of 7.008% p.a. (variable) you will repay £296.76 per month & total amount payable £53,416.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Shawbrook Banks lowest standard rate | £20,000 | £100,000 | 9.2% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% p.a. (variable) you will repay £402.23 per month & total amount payable £72,401.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Flexible low rate Secured Loan | £100,001 | £150,000 | 9.2% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% p.a. (variable) you will repay £402.23 per month & total amount payable £72,401.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Prestige Finance Part of the One Savings Bank Group | £10,000 | £100,000 | 9.69% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.69% (variable) so if you borrow £40000 over 15 years at a rate of 7.5% p.a. (variable) you will repay £421.58 per month & total amount payable £74,253.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Flexible low rate Secured Loan | £20,000 | £100,000 | 9.7% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.7% (variable) so if you borrow £50000 over 15 years at a rate of 7.7% p.a. (variable) you will repay £516.41 per month & total amount payable £92,953.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Prestige Finance Super Sized Secured Loan from 9.4% | £100,000 | £2,500,000 | 9.87% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.87% (variable) so if you borrow £1500000 over 25 years at a rate of 9.4% p.a. (variable) you will repay £13053.29 per month & total amount payable £3,915,987.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Secured Loans for Self Employed 8.2% APR | £40,000 | £200,000 | 10% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 10% (variable) so if you borrow £40000 over 10 years at a rate of 7.944% p.a. (variable) you will repay £419.07 per month & total amount payable £50,288.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance New larger loan product | £75,000 | £20,000 | 10.5% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 10.5% (variable) so if you borrow £100000 over 25 years at a rate of 9.516% p.a. (variable) you will repay £909.8 per month & total amount payable £272,940.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance High LTV secured loan | £7,500 | £100,000 | 10.7% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 10.7% (variable) so if you borrow £40000 over 15 years at a rate of 8.592% p.a. (variable) you will repay £435.66 per month & total amount payable £78,418.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Secured loan at competitive rate | £7,500 | £39,999 | 10.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 10.9% (variable) so if you borrow £15000 over 10 years at a rate of 7.2% p.a. (variable) you will repay £201.27 per month & total amount payable £24,152.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Secured Loans for Self Employed 8.4% APR | £7,500 | £39,999 | 10.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 10.9% (variable) so if you borrow £15000 over 10 years at a rate of 8.124% p.a. (variable) you will repay £201.27 per month & total amount payable £24,152.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Prestige Finance Secured loan for thoses with mild adverse credit | £10,000 | £100,000 | 11.48% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 11.48% (variable) so if you borrow £50000 over 15 years at a rate of 9.4% p.a. (variable) you will repay £565.82 per month & total amount payable £101,847.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven UK Cheapest Rate for BTL Secured Loans | £5,000 | £60,000 | 11.7% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 11.7% (variable) so if you borrow £40000 over 15 years at a rate of 9.85% p.a. (variable) you will repay £458.14 per month & total amount payable £82,465.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Step One Finance's cheapest secured loan | £7,500 | £50,000 | 11.7% variable | --- | 5 years | 20 years | ||

Representative Example: The Representative APR is 11.7% (variable) so if you borrow £30000 over 15 years at a rate of 8.9% p.a. (variable) you will repay £342.78 per month & total amount payable £61,700.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Light Adverse Secured Loan | £5,000 | £80,000 | 11.8% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 11.8% (variable) so if you borrow £40000 over 15 years at a rate of 9.95% p.a. (variable) you will repay £460.77 per month & total amount payable £82,938.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Secured Loans for Self Employed 9.4% APR | £7,500 | £39,999 | 11.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 11.9% (variable) so if you borrow £15000 over 10 years at a rate of 9.048% p.a. (variable) you will repay £209.44 per month & total amount payable £25,132.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Masthaven's cheapest loan rate | £5,000 | £100,000 | 12.1% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.1% (variable) so if you borrow £40000 over 10 years at a rate of 9.75% p.a. (variable) you will repay £562.31 per month & total amount payable £67,477.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Low rate BTL Secured Loan 9.95% | £5,000 | £75,000 | 12.1% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.1% (variable) so if you borrow £45000 over 15 years at a rate of 9.95% p.a. (variable) you will repay £524.9 per month & total amount payable £94,482.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Simple, straight forward process | £7,500 | £74,999 | 12.3% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.3% (variable) so if you borrow £40000 over 15 years at a rate of 7.752% p.a. (variable) you will repay £472.07 per month & total amount payable £84,972.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Prime Rate Loan | £5,000 | £90,000 | 12.4% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.4% (variable) so if you borrow £40000 over 15 years at a rate of 10.45% p.a. (variable) you will repay £473.99 per month & total amount payable £85,318.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 8.9% | £5,000 | £60,000 | 12.4% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.4% (variable) so if you borrow £30000 over 10 years at a rate of 8.9% p.a. (variable) you will repay £425.45 per month & total amount payable £51,054.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 8.9% | £5,000 | £75,000 | 12.4% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.4% (variable) so if you borrow £30000 over 10 years at a rate of 8.9% p.a. (variable) you will repay £425.45 per month & total amount payable £51,054.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance High LTV secured loan | £7,500 | £100,000 | 12.5% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.5% (variable) so if you borrow £30000 over 10 years at a rate of 9.516% p.a. (variable) you will repay £427.3 per month & total amount payable £51,276.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance The UK's biggest secured loan lender for second properties | £5,000 | £75,000 | 12.9% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 12.9% (variable) so if you borrow £60000 over 20 years at a rate of 10.95% p.a. (variable) you will repay £668.04 per month & total amount payable £160,329.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Let-Property Prime Rate Loan | £5,000 | £80,000 | 12.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.9% (variable) so if you borrow £30000 over 15 years at a rate of 10.85% p.a. (variable) you will repay £364.03 per month & total amount payable £65,525.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance 9.9% Secured Loan | £7,500 | £50,000 | 12.9% variable | --- | 5 years | 20 years | ||

Representative Example: The Representative APR is 12.9% (variable) so if you borrow £30000 over 15 years at a rate of 9.9% p.a. (variable) you will repay £363.24 per month & total amount payable £65,383.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Light Adverse Secured Loan | £5,000 | £60,000 | 13% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 13% (variable) so if you borrow £35000 over 15 years at a rate of 10.95% p.a. (variable) you will repay £426.46 per month & total amount payable £76,762.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Blemain's largest secured loan | £50,001 | £500,000 | 13.2% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 13.2% (variable) so if you borrow £500000 over 25 years at a rate of 11.9% p.a. (variable) you will repay £5454.38 per month & total amount payable £1,636,314.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Prestige Finance Secured loan for thoses with mild adverse credit | £10,000 | £100,000 | 13.2% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.2% (variable) so if you borrow £40000 over 15 years at a rate of 10.5% p.a. (variable) you will repay £491.9 per month & total amount payable £88,542.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Historic Adverse Accepted | £5,000 | £80,000 | 13.3% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.3% (variable) so if you borrow £35000 over 15 years at a rate of 11.25% p.a. (variable) you will repay £433.57 per month & total amount payable £78,042.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 9.9% | £5,000 | £75,000 | 13.5% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.5% (variable) so if you borrow £30000 over 10 years at a rate of 9.9% p.a. (variable) you will repay £443.88 per month & total amount payable £53,265.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Let-Property Loan with Mild Adverse Credit | £5,000 | £80,000 | 13.6% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.6% (variable) so if you borrow £30000 over 15 years at a rate of 11.45% p.a. (variable) you will repay £376.24 per month & total amount payable £67,723.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Prestige Finance Part of the One Savings Bank Group | £10,000 | £100,000 | 13.69% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.69% (variable) so if you borrow £30000 over 10 years at a rate of 10.4% p.a. (variable) you will repay £446.13 per month & total amount payable £53,535.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Flexible low rate Secured Loan | £5,000 | £50,000 | 13.7% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.7% (variable) so if you borrow £25000 over 10 years at a rate of 9.9% p.a. (variable) you will repay £372.16 per month & total amount payable £44,659.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Central Trust Ltd Large Loan 11.4% APR | £10,001 | £70,000 | 13.8% variable | --- | 5 years | 25 years | ||

Representative Example: The Representative APR is 13.8% (variable) so if you borrow £40000 over 15 years at a rate of 10.76% p.a. (variable) you will repay £506.56 per month & total amount payable £91,180.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Prime Rate Loan | £5,000 | £80,000 | 14.1% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.1% (variable) so if you borrow £30000 over 10 years at a rate of 11.45% p.a. (variable) you will repay £453.13 per month & total amount payable £54,375.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Secured Loans for Self Employed 11.4% APR | £7,500 | £200,000 | 14.1% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.1% (variable) so if you borrow £40000 over 10 years at a rate of 10.884% p.a. (variable) you will repay £603.21 per month & total amount payable £72,385.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance The UK's oldest secured loan lender | £3,000 | £50,000 | 14.3% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 14.3% (variable) so if you borrow £15000 over 10 years at a rate of 10.29% p.a. (variable) you will repay £227.73 per month & total amount payable £27,327.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Large Light Adverse Secured Loan | £50,001 | £500,000 | 14.3% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 14.3% (variable) so if you borrow £350000 over 25 years at a rate of 12.76% p.a. (variable) you will repay £4064.98 per month & total amount payable £1,219,494.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance No lender arrangement fee to pay | £7,500 | £75,000 | 14.3% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.3% (variable) so if you borrow £40000 over 15 years at a rate of 11.148% p.a. (variable) you will repay £516.92 per month & total amount payable £93,045.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance High LTV secured loan | £7,500 | £100,000 | 14.3% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.3% (variable) so if you borrow £40000 over 15 years at a rate of 11.604% p.a. (variable) you will repay £516.92 per month & total amount payable £93,045.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Central Trust Ltd Large Loan 11.4% APR | £10,001 | £70,000 | 14.4% variable | --- | 5 years | 25 years | ||

Representative Example: The Representative APR is 14.4% (variable) so if you borrow £20000 over 10 years at a rate of 10.76% p.a. (variable) you will repay £305.25 per month & total amount payable £36,630.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Historic Adverse Accepted | £5,000 | £50,000 | 14.5% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.5% (variable) so if you borrow £30000 over 10 years at a rate of 11.75% p.a. (variable) you will repay £458.68 per month & total amount payable £55,041.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Norton Finance Secured loan from one of the UK's oldest lenders | £10,000 | £30,000 | 14.5% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 14.5% (variable) so if you borrow £20000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £305.87 per month & total amount payable £36,704.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Light adverse BTL loan rates | £5,000 | £75,000 | 14.6% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 14.6% (variable) so if you borrow £50000 over 20 years at a rate of 12% p.a. (variable) you will repay £612.48 per month & total amount payable £146,995.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Adverse credit acceptable | £3,000 | £50,000 | 14.7% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 14.7% (variable) so if you borrow £25000 over 15 years at a rate of 11.39% p.a. (variable) you will repay £329.49 per month & total amount payable £59,308.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Prestige Finance Secured loan for thoses with mild adverse credit | £10,000 | £100,000 | 14.73% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.73% (variable) so if you borrow £30000 over 10 years at a rate of 11.5% p.a. (variable) you will repay £462.56 per month & total amount payable £55,507.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 10.9% | £5,000 | £60,000 | 14.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.9% (variable) so if you borrow £25000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £387.96 per month & total amount payable £46,555.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE secured loan product to money.co.uk | £5,000 | £50,000 | 15.05% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 15.05% (variable) so if you borrow £15000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £233.83 per month & total amount payable £28,059.84. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Masthaven Let-Property Loan with Mild Adverse Credit | £5,000 | £50,000 | 15.1% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.1% (variable) so if you borrow £20000 over 10 years at a rate of 11.95% p.a. (variable) you will repay £312.07 per month & total amount payable £37,448.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Prestige Finance Latest plan from Prestige Finance | £10,000 | £100,000 | 15.1% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.1% (variable) so if you borrow £20000 over 10 years at a rate of 11.4% p.a. (variable) you will repay £312.25 per month & total amount payable £37,470.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Little existing credit loan | £7,500 | £100,000 | 15.2% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.2% (variable) so if you borrow £30000 over 10 years at a rate of 11.784% p.a. (variable) you will repay £469.34 per month & total amount payable £56,320.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Consolidate credit and store cards or a personal loan | £7,500 | £60,000 | 15.2% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.2% (variable) so if you borrow £20000 over 10 years at a rate of 11.784% p.a. (variable) you will repay £312.9 per month & total amount payable £37,548.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 10.9% | £5,000 | £40,000 | 15.2% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.2% (variable) so if you borrow £20000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £313.19 per month & total amount payable £37,582.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance 10.9% Secured Loan | £7,500 | £50,000 | 15.2% variable | --- | 5 years | 20 years | ||

Representative Example: The Representative APR is 15.2% (variable) so if you borrow £25000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £390.91 per month & total amount payable £46,909.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Step One's most affordable secured loan against a second property | £7,500 | £50,000 | 15.5% variable | --- | 5 years | 15 years | ||

Representative Example: The Representative APR is 15.5% (variable) so if you borrow £30000 over 15 years at a rate of 11.9% p.a. (variable) you will repay £409.39 per month & total amount payable £73,690.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Large Medium Adverse Secured Loan | £50,001 | £500,000 | 15.6% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 15.6% (variable) so if you borrow £250000 over 25 years at a rate of 13.76% p.a. (variable) you will repay £3115.07 per month & total amount payable £934,521.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Mild Adverse Secured Loan from 11.9% | £5,000 | £50,000 | 15.6% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.6% (variable) so if you borrow £25000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £396.96 per month & total amount payable £47,635.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Little existing credit loan | £7,500 | £100,000 | 15.7% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.7% (variable) so if you borrow £30000 over 10 years at a rate of 12.228% p.a. (variable) you will repay £477.81 per month & total amount payable £57,337.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE mild adverse secured loan | £5,000 | £50,000 | 15.78% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 15.78% (variable) so if you borrow £15000 over 10 years at a rate of 11.5% p.a. (variable) you will repay £239.64 per month & total amount payable £28,757.90. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance High LTV secured loan | £7,500 | £60,000 | 15.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.9% (variable) so if you borrow £30000 over 10 years at a rate of 12.408% p.a. (variable) you will repay £481.27 per month & total amount payable £57,752.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Central Trust Ltd Large Loan 14.7% APR | £10,001 | £60,000 | 16% variable | --- | 5 years | 25 years | ||

Representative Example: The Representative APR is 16% (variable) so if you borrow £20000 over 10 years at a rate of 12.12% p.a. (variable) you will repay £322.37 per month & total amount payable £38,684.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Prestige Finance Secured loan for thoses with mild adverse credit | £10,000 | £100,000 | 16.15% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.15% (variable) so if you borrow £20000 over 10 years at a rate of 12.5% p.a. (variable) you will repay £323.49 per month & total amount payable £38,818.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Great rate for thoses with a fair credit-rating | £7,500 | £60,000 | 16.2% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.2% (variable) so if you borrow £20000 over 10 years at a rate of 12.672% p.a. (variable) you will repay £324.24 per month & total amount payable £38,908.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 11.9% | £5,000 | £40,000 | 16.4% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.4% (variable) so if you borrow £20000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £326.23 per month & total amount payable £39,147.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance 11.9% Secured Loan | £7,500 | £50,000 | 16.4% variable | --- | 5 years | 20 years | ||

Representative Example: The Representative APR is 16.4% (variable) so if you borrow £25000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £407.17 per month & total amount payable £48,860.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Part of the Principality Building Society Group | £7,500 | £60,000 | 16.6% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.6% (variable) so if you borrow £30000 over 10 years at a rate of 12.768% p.a. (variable) you will repay £488.22 per month & total amount payable £58,586.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Adverse credit acceptable | £3,000 | £50,000 | 16.7% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 16.7% (variable) so if you borrow £30000 over 15 years at a rate of 12.99% p.a. (variable) you will repay £430.59 per month & total amount payable £77,506.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 11.9% | £5,000 | £30,000 | 16.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £248.35 per month & total amount payable £29,802.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 14.9% | £5,000 | £30,000 | 16.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 14.9% p.a. (variable) you will repay £248.35 per month & total amount payable £29,802.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 17.3% | £5,000 | £30,000 | 16.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 17.3% p.a. (variable) you will repay £248.35 per month & total amount payable £29,802.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Large Heavy Adverse Secured Loan | £25,001 | £500,000 | 17.3% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 17.3% (variable) so if you borrow £150000 over 20 years at a rate of 14.96% p.a. (variable) you will repay £2092.68 per month & total amount payable £502,243.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Mild adverse BTL loan rates | £5,000 | £75,000 | 17.4% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 17.4% (variable) so if you borrow £45000 over 15 years at a rate of 13.79% p.a. (variable) you will repay £666.28 per month & total amount payable £119,930.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE available in Northern Ireland | £7,500 | £50,000 | 17.4% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 17.4% (variable) so if you borrow £30000 over 15 years at a rate of 13.9% p.a. (variable) you will repay £443.22 per month & total amount payable £79,779.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Bad Credit Loan from 12.9% | £5,000 | £50,000 | 17.4% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 17.4% (variable) so if you borrow £25000 over 10 years at a rate of 12.9% p.a. (variable) you will repay £428.58 per month & total amount payable £51,429.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Mild Adverse Secured Loan from 13.9% | £5,000 | £50,000 | 17.4% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 17.4% (variable) so if you borrow £25000 over 10 years at a rate of 13.9% p.a. (variable) you will repay £413.15 per month & total amount payable £49,578.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Central Trust Ltd Small Loan 12.6% APR | £3,000 | £10,000 | 17.6% variable | --- | 3 years | 15 years | ||

Representative Example: The Representative APR is 17.6% (variable) so if you borrow £5000 over 5 years at a rate of 11.64% p.a. (variable) you will repay £122.45 per month & total amount payable £7,347.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Mild adverse credit acceptable | £7,500 | £50,000 | 17.6% variable | --- | 5 years | 20 years | ||

Representative Example: The Representative APR is 17.6% (variable) so if you borrow £25000 over 10 years at a rate of 12.9% p.a. (variable) you will repay £423.78 per month & total amount payable £50,853.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Lowest rates for self employed borrowers | £7,500 | £30,000 | 17.7% variable | --- | 5 years | 15 years | ||

Representative Example: The Representative APR is 17.7% (variable) so if you borrow £15000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £254.28 per month & total amount payable £30,513.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Nemo Personal Finance Nemo's highest equity secured loan | £7,500 | £60,000 | 17.8% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 17.8% (variable) so if you borrow £30000 over 10 years at a rate of 14.004% p.a. (variable) you will repay £512.46 per month & total amount payable £61,495.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Specialist secured loan for buy to let properties | £7,500 | £50,000 | 18% variable | --- | 5 years | 15 years | ||

Representative Example: The Representative APR is 18% (variable) so if you borrow £30000 over 15 years at a rate of 13.9% p.a. (variable) you will repay £454.42 per month & total amount payable £81,795.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Norton Finance Secured loan from one of the UK's oldest lenders | £3,000 | £30,000 | 18.1% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 18.1% (variable) so if you borrow £15000 over 10 years at a rate of 13.9% p.a. (variable) you will repay £258.64 per month & total amount payable £31,036.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Central Trust Ltd Large Loan 16.2% APR | £10,001 | £50,000 | 18.8% variable | --- | 5 years | 25 years | ||

Representative Example: The Representative APR is 18.8% (variable) so if you borrow £20000 over 10 years at a rate of 15% p.a. (variable) you will repay £351.71 per month & total amount payable £42,205.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE near prime secured loan to money.co.uk | £5,000 | £30,000 | 18.87% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 18.87% (variable) so if you borrow £15000 over 10 years at a rate of 14% p.a. (variable) you will repay £264.65 per month & total amount payable £31,758.42. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Moneyway Personal Loan | £1,000 | £15,000 | 18.9% | £12,001 to £15,000 | 1 year | 5 years | ||

Representative Example: The Representative APR is 24.9% so if you borrow £5,000 over 4 years at a rate of 22.46% p.a. (fixed) you will repay £158.73 per month & £7,619.04 in total. | ||||||||

Step One Finance Secured Loan specifically for Self Employed | £7,500 | £30,000 | 18.9% variable | --- | 5 years | 15 years | ||

Representative Example: The Representative APR is 18.9% (variable) so if you borrow £15000 over 10 years at a rate of 12.9% p.a. (variable) you will repay £264.65 per month & total amount payable £31,758.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Heavy adverse BTL loan rates | £5,000 | £75,000 | 19.3% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 19.3% (variable) so if you borrow £40000 over 15 years at a rate of 14.99% p.a. (variable) you will repay £636.99 per month & total amount payable £114,658.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Norton Finance Secured loan from one of the UK's oldest lenders | £3,000 | £30,000 | 19.4% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 19.4% (variable) so if you borrow £15000 over 10 years at a rate of 14.9% p.a. (variable) you will repay £268.85 per month & total amount payable £32,262.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE secured loan product to money.co.uk | £5,000 | £50,000 | 19.82% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 19.82% (variable) so if you borrow £10000 over 5 years at a rate of 11.9% p.a. (variable) you will repay £255.12 per month & total amount payable £15,307.15. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE near prime secured loan to money.co.uk | £5,000 | £30,000 | 20.14% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 20.14% (variable) so if you borrow £15000 over 10 years at a rate of 15% p.a. (variable) you will repay £275 per month & total amount payable £32,998.74. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Low rate for Self Employed 13.9% | £7,500 | £30,000 | 20.2% variable | --- | 5 years | 15 years | ||

Representative Example: The Representative APR is 20.2% (variable) so if you borrow £15000 over 10 years at a rate of 13.9% p.a. (variable) you will repay £275.23 per month & total amount payable £33,027.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Central Trust Ltd Small Loan 14.7% APR | £3,000 | £10,000 | 20.5% variable | --- | 3 years | 15 years | ||

Representative Example: The Representative APR is 20.5% (variable) so if you borrow £5000 over 5 years at a rate of 14% p.a. (variable) you will repay £129.15 per month & total amount payable £7,749.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Step One's highest LTV secured loan | £7,500 | £40,000 | 20.5% variable | --- | 5 years | 20 years | ||

Representative Example: The Representative APR is 20.5% (variable) so if you borrow £20000 over 10 years at a rate of 14.9% p.a. (variable) you will repay £369.58 per month & total amount payable £44,349.60. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE mild adverse secured loan | £5,000 | £50,000 | 20.57% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 20.57% (variable) so if you borrow £10000 over 5 years at a rate of 12.5% p.a. (variable) you will repay £258.61 per month & total amount payable £15,516.91. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Norton Finance Secured loan for those with adverse credit | £3,000 | £30,000 | 20.6% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 20.6% (variable) so if you borrow £15000 over 10 years at a rate of 15.9% p.a. (variable) you will repay £279.12 per month & total amount payable £33,494.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Buy To Let Product for Self Employed 13.9% | £7,500 | £30,000 | 20.8% variable | --- | 5 years | 15 years | ||

Representative Example: The Representative APR is 20.8% (variable) so if you borrow £15000 over 10 years at a rate of 13.9% p.a. (variable) you will repay £279.87 per month & total amount payable £33,584.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE available in Northern Ireland | £7,500 | £50,000 | 20.9% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 20.9% (variable) so if you borrow £20000 over 10 years at a rate of 15.9% p.a. (variable) you will repay £374.67 per month & total amount payable £44,960.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Spring Finance Secured loan for those with adverse credit | £10,000 | £50,000 | 21.02% variable | --- | 5 years | 25 years | ||

Representative Example: The Representative APR is 21.02% (variable) so if you borrow £15000 over 10 years at a rate of 15% p.a. (variable) you will repay £282.25 per month & total amount payable £33,870.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Blemain Finance Secured loan for those with heavy adverse credit | £3,000 | £30,000 | 21.1% variable | --- | 3 years | 30 years | ||

Representative Example: The Representative APR is 21.1% (variable) so if you borrow £15000 over 10 years at a rate of 14.99% p.a. (variable) you will repay £274.57 per month & total amount payable £32,948.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Secured Loan from 15.4% | £5,000 | £40,000 | 21.3% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 21.3% (variable) so if you borrow £15000 over 10 years at a rate of 15.4% p.a. (variable) you will repay £284.67 per month & total amount payable £34,160.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Fast Track Secured Loan | £3,000 | £25,000 | 22% variable | --- | 2.5 years | 25 years | ||

Representative Example: The Representative APR is 22% (variable) so if you borrow £15000 over 10 years at a rate of 18.9% p.a. (variable) you will repay £290.75 per month & total amount payable £34,890.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Central Trust Ltd Small Loan 16.2% APR | £3,000 | £10,000 | 22.5% variable | --- | 3 years | 15 years | ||

Representative Example: The Representative APR is 22.5% (variable) so if you borrow £5000 over 5 years at a rate of 15.6% p.a. (variable) you will repay £133.79 per month & total amount payable £8,027.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank Fast Track Secured Loan | £3,000 | £25,000 | 22.9% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 22.9% (variable) so if you borrow £10000 over 5 years at a rate of 17.9% p.a. (variable) you will repay £269.35 per month & total amount payable £16,161.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Buy To Let Product for Self Employed 15.9% | £7,500 | £30,000 | 23.5% variable | --- | 5 years | 15 years | ||

Representative Example: The Representative APR is 23.5% (variable) so if you borrow £15000 over 10 years at a rate of 15.9% p.a. (variable) you will repay £301.99 per month & total amount payable £36,238.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Norton Finance Secured loan for those with adverse credit | £3,000 | £30,000 | 24.7% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 24.7% (variable) so if you borrow £10000 over 5 years at a rate of 16.9% p.a. (variable) you will repay £277.6 per month & total amount payable £16,656.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Opal Loans Personal Loan | £2,000 | £10,000 | 24.9% | £2,000 to £10,000 | 2 years | 5 years | ||

Representative Example: Representative 24.9% APR (variable).
Borrow £5,000 and pay £198.53 a month for 36 months. The Total Interest Payable is £2,147.08. The Total Amount Payable is £7,147.08. Opal Loans offers a loan broking service. Please only apply if you are a home owner, aged 25 to 72, earning £15,000 per annum, and making regular payments to your mortgage. | ||||||||

Shawbrook Bank Secured Loan from 16.4% | £5,000 | £30,000 | 26.5% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 26.5% (variable) so if you borrow £10000 over 5 years at a rate of 16.4% p.a. (variable) you will repay £286.32 per month & total amount payable £17,179.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE high LTV secured loan | £5,000 | £30,000 | 26.96% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 26.96% (variable) so if you borrow £7500 over 5 years at a rate of 16.9% p.a. (variable) you will repay £216.25 per month & total amount payable £12,974.61. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Shawbrook Bank 95% LTV Secured Loan | £3,000 | £25,000 | 28% variable | --- | 3 years | 25 years | ||

Representative Example: The Representative APR is 28% (variable) so if you borrow £10000 over 5 years at a rate of 21.9% p.a. (variable) you will repay £292.98 per month & total amount payable £17,578.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Low rate for Self Employed 14.9% | £7,500 | £30,000 | 28.1% variable | --- | 5 years | 15 years | ||

Representative Example: The Representative APR is 28.1% (variable) so if you borrow £10000 over 5 years at a rate of 14.9% p.a. (variable) you will repay £291.85 per month & total amount payable £17,511.00. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Clearly Loans EXCLUSIVE mild adverse secured loan | £5,000 | £30,000 | 28.44% variable | --- | 1 year | 20 years | ||

Representative Example: The Representative APR is 28.44% (variable) so if you borrow £7500 over 5 years at a rate of 18% p.a. (variable) you will repay £221.43 per month & total amount payable £13,285.87. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Step One Finance Low rate for Self Employed 15.9% | £7,500 | £30,000 | 29.4% variable | --- | 5 years | 15 years | ||

Representative Example: The Representative APR is 29.4% (variable) so if you borrow £10000 over 5 years at a rate of 15.9% p.a. (variable) you will repay £298.34 per month & total amount payable £17,900.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Equifinance Secured loan for thoses with a poor credit rating | £15,000 | £30,000 | 31.1% variable | --- | 5 years | 20 years | ||

Representative Example: The Representative APR is 31.1% (variable) so if you borrow £20000 over 10 years at a rate of 23.4% p.a. (variable) you will repay £488.76 per month & total amount payable £58,651.20. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Equifinance Secured loan for thoses with a poor credit rating | £10,000 | £15,000 | 35.8% variable | --- | 5 years | 20 years | ||

Representative Example: The Representative APR is 35.8% (variable) so if you borrow £10000 over 5 years at a rate of 23.4% p.a. (variable) you will repay £329.54 per month & total amount payable £19,772.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Equifinance Secured loan for thoses with a poor credit rating | £5,000 | £10,000 | 42.4% variable | --- | 5 years | 20 years | ||

Representative Example: The Representative APR is 42.4% (variable) so if you borrow £5000 over 5 years at a rate of 23.4% p.a. (variable) you will repay £180.33 per month & total amount payable £10,819.80. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Evolution Money Our highest equity secured loan | £5,000 | £10,000 | 42.4% variable | --- | 3 years | 10 years | ||

Representative Example: The Representative APR is 42.4% (variable) so if you borrow £7500 over 5 years at a rate of 30.6% p.a. (variable) you will repay £270.24 per month & total amount payable £16,214.40. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Everydayloans Duo Loan | £1,000 | £5,000 | 44.8% | £1,000 to £5,000 | 13 months | 5 years | ||

Representative Example: The Representative APR is 44.8% (variable) so if you borrow £3,000 over 3 years at a rate of 37.6% p.a. (variable) you will repay £140.16 per month & £5,045.72 in total. The Duo guarantor loan from Everyday loans is one of the lowest cost Guarantor Loans in the UK. There are no upfront or late fees. If you can afford the loan repayments and have a guarantor that's a UK homeowner, we can help. | ||||||||

GuarantorUs Loans Unsecured Guarantor Loan | £1,000 | £5,000 | 45.0% | £1,000 to £5,000 | 1 year | 5 years | ||

Representative Example: The representative APR is 45.0% (variable) so if you borrow £5,000 over 2 years at a rate of 37.77% p.a. (variable) you will repay £299.96 per month & £7,198.98 in total. GuarantorUs offer the best value guarantor loan in the UK. Find a guarantor and receive up to £5,000 the same day. No fees ever. | ||||||||

UK Credit Ltd Guarantor Loan | £1,000 | £7,500 | 47.9% | £1,000 to £7,500 | 1 year | 5 years | ||

Representative Example: £3,000 over 3 years, Annual interest rate 39.8% fixed, monthly payment £143.98. Interest payable £2,183.28. Total repayable £5,183.28. Representative 47.9% APR fixed. 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 No equity, no problem | £3,000 | £6,000 | 49.2% variable | --- | 3 years | 5 years | ||

Representative Example: The Representative APR is 49.2% (variable) so if you borrow £4500 over 4 years at a rate of 34.5% p.a. (variable) you will repay £191.19 per month & total amount payable £9,177.12. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

1Plus1 Loans 1Plus1 Loan | £500 | £5,000 | 49.7% | £500 to £5,000 | 1 year | 5 years | ||

Representative Example: The Representative APR is 49.7% (fixed) so if you borrow £2,000 over 2 years at a rate of 49.7% p.a. (fixed) you will repay £123.49 per month & £2,963.76 in total. Arrangement fee £50. A 10% broker fee will be included within your monthly repayments. | ||||||||

Amigo Loans Ltd Guarantor Loan | £500 | £5,000 | 49.9% | £500 to £5,000 | 1 year | 5 years | ||

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 £309.08 per month & £7,417.92 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. | ||||||||

UK Trust Loans Guarantor Loan | £1,500 | £3,000 | 49.9% | £1,500 to £3,000 | 1 year | 3 years | ||

Representative Example: The representative APR is 49.9% (variable) so if you borrow £1,500 over 2 years at a rate of 41.16% p.a. (fixed) you will repay £92.74 per month & £2,225.76 in total. | ||||||||

1st Stop Guarantor Loan | £500 | £5,000 | 52.6% | £500 to £5,000 | 1 year | 5 years | ||

Representative Example: The representative APR is 52.64% so if you borrow £3,500 over 3 years at a rate of 52.64% p.a. (fixed) you will repay £174.92 per month & £6,297.12 in total. | ||||||||

Aspire Money Personal Loan | £500 | £7,500 | 58.5% | £500 to £7,500 | 1 year | 7 years | ||

Representative Example: Representative 58.5% APR.
Borrow £5,000 and pay £297.34 a month for 36 months. The interest payable is £5,704.24. The total repayable is £10,704.24. 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 Unlimited equity loans up to £5,500 | £2,000 | £5,500 | 63% variable | --- | 1.5 years | 5 years | ||

Representative Example: The Representative APR is 63% (variable) so if you borrow £3500 over 3 years at a rate of 42.6% p.a. (variable) you will repay £189.17 per month & total amount payable £6,810.12. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

Evolution Money Unlimited equity loan up to £3,000 | £1,000 | £3,000 | 82.5% variable | --- | 1 year | 3 years | ||

Representative Example: The Representative APR is 82.5% (variable) so if you borrow £2000 over 2 years at a rate of 51.1% p.a. (variable) you will repay £146.96 per month & total amount payable £3,527.04. You must be a homeowner to apply as this loan will be secured against your home. | ||||||||

118 118 Money Loan | £1,000 | £5,000 | 99.9% | £1,000 to £5,000 | 1 year | 2 years | ||

Representative Example: The Representative APR is 99.9% so if you borrow £2,000 over 2 years at a rate of 71% p.a. (fixed) you will repay £158.13 per month & £3,795.12 in total. | ||||||||

Ladder Loans Loan | £500 | £1,500 | 299.0% | £500 to £1,500 | 6 months | 18 months | ||

Representative Example: The Representative APR is 299% so if you borrow £1,000 over 12 months at a rate of 147% p.a. (fixed) you will repay £163.10 per month & £1,957.20 in total. | ||||||||

Pounds to Pocket Personal Loan | £200 | £2,000 | 399.0% | £200 to £2,000 | 1 year | 1 year | ||

Representative Example: The Representative APR is 399% so if you borrow £500 over 1 year at a rate of 172% you will repay £98.54 per month and £1182.50 in total. | ||||||||

Provident Personal Credit Cash Loan | £100 | £500 | 399.7% | £100 to £500 | 6 months | 1 year | ||

Representative Example: Representative 399.7% APR. 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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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 bank loans, 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, the best bank loans for you might be slightly more expensive but give 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 circumstances 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.