Hitachi Personal Finance Personal Loan
Loan AmountRepresentative APRLoan Term
£2,500 to £25,0004.1%
(£7,500 to £10,000)
2 years to 5 years
Representative Example: The Representative APR is 4.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.1% p.a. (fixed) you will repay £225.90 per month & £10,843.20 in total.
Tesco Bank Personal Loan
Loan AmountRepresentative APRLoan Term
£3,000 to £25,0004.1%
(£7,500 to £15,000)
1 year to 10 years
Representative Example: The Representative APR is 4.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.1% p.a. (fixed) you will repay £225.90 per month & £10,843.20 in total.
Sainsbury's Bank Standard Medium Loan (4-5 Yrs) Ex/C
Loan AmountRepresentative APRLoan Term
£7,500 to £15,0004.1%
(£7,500 to £15,000)
4 years to 5 years
Available to existing customers only.
Representative Example: The Representative APR is 4.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.1% p.a. (fixed) you will repay £225.90 per month & £10,843.20 in total.
AA Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.3%
(£7,500 to £15,000)
2 years to 5 years
Plus free AA Breakdown cover for a year. For T&C’s see website.
Excellent credit rating required. Homeowners are more likely to be accepted.
Representative Example: The Representative APR is 4.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.3% p.a. (fixed) you will repay £226.77 per month & £10,884.96 in total.
Santander Internet Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £20,0004.3%
(£7,500 to £15,000)
1 year to 5 years
Representative Example: The Representative APR is 4.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.3% p.a. (fixed) you will repay £226.94 per month & £10,893.12 in total.
Zopa Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.7%
(£7,500 to £15,000)
2 years 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 4.7% so if you borrow £10,000 over 3 years at a rate of 4.7% p.a. (fixed) you will repay £298.14 per month & £10,733.04 in total.
RBS Internet Loan Ex/C
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.9%
(£7,500 to £14,950)
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% (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.
Clydesdale Bank Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.9%
(£7,500 to £15,000)
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.
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 £229.57 per month & £11,019.36 in total.
Yorkshire Bank Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0004.9%
(£7,500 to £15,000)
1 year to 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 £229.57 per month & £11,019.36 in total.
Nationwide Personal Loan Ex/C
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0005.9%
(£7,500 to £14,999 )
1 year to 5 years
Available to existing customers only.
Representative Example: The Representative APR is 5.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 5.9% p.a. (fixed) you will repay £233.69 per month & £11,217.12 in total.
Sainsbury's Bank Standard Medium Loan (5+ Yrs) Ex/C
Loan AmountRepresentative APRLoan Term
£7,500 to £15,0006.1%
(£7,500 to £15,000)
61 months to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 6.0% (fixed) so if you borrow £10,000 over 7 years at a rate of 6.0% p.a. (fixed) you will repay £145.32 per month & £12,206.88 in total.
Nationwide Personal Loan
Loan AmountRepresentative APRLoan Term
£7,500 to £25,0006.2%
(£7,500 to £14,999)
1 year to 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.
Ulster Bank Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0006.4%
(£7,000 to £14,950)
1 year to 5 years
You must be an existing Ulster Bank customer and be registered for Anytime banking to apply online.
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 £235.86 per month & £11,321.28 in total.
NatWest Personal Loan Ex/C
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0006.4%
(£7,500 to £14,950)
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 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.
Moneyway Plus Loan
Loan AmountRepresentative APRLoan Term
£3,000 to £15,0007.5%
(£7,001 to £15,000)
1 year to 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.
RateSetter 1 Year Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £25,0008.8%
(£11,000 to £25,000)
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 9% (fixed) at a rate of 9% p.a. (fixed) Arrangement fee from £127.10.
1st Stop Personal Loans Homeowner Plus
Loan AmountRepresentative APRLoan Term
£1,000 to £10,00018.2%
(£1,000 to £10,000)
1 year to 6 years
Representative Example: The Representative APR is 18.21% so if you borrow £5,000 over 5 years at a rate of 8.5% (fixed) you will repay £124.59 per month and £7,475.40 in total.
Moneyway Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £15,00018.9%
(£12,001 to £15,000)
1 year to 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.
Opal Loans Personal Loan
Loan AmountRepresentative APRLoan Term
£2,000 to £10,00024.9%
(£2,000 to £10,000)
2 years to 5 years
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.
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.
Springcoin Personal Loan
Loan AmountRepresentative APRLoan Term
£1,000 to £20,00048.5%
(£1,000 to £20,000)
1 year to 2 years
Representative Example: The Representative APR is 48.5% (fixed) so if you borrow £3,000 over 1 year at a rate of 48.5% p.a. (fixed) you will repay £670.83 per month & £3670.83 in total.

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

How to Get Cheap Loans for 10,000

Whatever you need a loan for, getting the most competitive deal on your 10,000 pound loan is undoubtedly going to be a high priority for you.

Although it may seem straightforward to find and apply for a cheap £10,000 loan quote there are some pitfalls you need to watch out for along the way.

We compare £10,000 loans and run through the facts you should be aware of in order to get the best deal.

What will your £10,000 loan repayments be?

One of the most important things you should check when you're looking for a 10,000 pound loan is the rate of interest which applies. Unsecured loans for £10,000 with the cheapest rates may well be the ones which you make a beeline for; but you need to investigate further before you proceed so don't automatically assume you will get the best deal.

For example, when a lender advertises a £10,000 loan over 3 years only 51% of its loan customers have to have actually received this rate. As a result, you may not qualify for the cheap rate, and will instead be charged more to borrow the same amount of money.

An individual looking for a £10,000 loan with bad credit history on the other hand may not be eligible at all so it's vital you check the acceptance criteria before you apply. If there's the option to carry out a pre-application check then make use of it because it will give you a better indication of the rate you'll be offered and your chance of being accepted.

Your aim when it comes to taking out a £10,000 loan is to find the deal that costs you least overall.

If you can afford the repayments on a £10,000 loan over 5 years rather than a £10,000 loan over 10 years you should go for it because while the monthly instalment may be cheaper if you eke out the repayments. Spreading repayments over 10 years will mean you pay a lot more overall even though it costs less month by month.

Can I get a £10,000 instant loan?

If you are in need of the cash fast, you may be hoping to find a lender which pays out immediately.

However, the majority of companies who pledge to pay out cash within a matter of minutes are payday lenders who only specialise in providing low value loans.

This doesn't mean that you can't get a speedy loan; many lenders offer the facility to apply online and may even provide an instant decision, especially if you have a good credit history. Some will even transfer the money the same day although they will usually charge you an express loan fee for the privilege.

If you carry out a £10,000 personal loan comparison you will be able to identify the lenders that offer an online option, as well as being able to single out the best deal currently available on the market. 

An alternative to taking out a loan for this sum is applying for a credit card with a significant £10,000 limit. You will need a good credit rating to get approved, and a track record in repaying your debts. However, as a flexible means of finance which is easy to repay at the speed you choose, it could be a more convenient option. If you are able to get a competitive life of balance transfer deal or 0% balance transfer offer then you can cut interest rates considerably too.

Related Loan Guides

Loan Comparison

View all loan reviews.