Zopa Personal Loan
Loan Amount
£1,000 to £25,000
Representative APR
3.7% APR
(£7,500 to £15,000)
Loan Term
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 3.7% APR so if you borrow £7,500 over 3 years at a rate of 3.20% p.a. (fixed) you will repay £220.23 per month & £7,928.21 in total. This includes a £60 fee.
Hitachi Personal Finance Personal Loan
Loan Amount
£2,500 to £25,000
Representative APR
4.0% APR
(£7,500 to £10,000)
Loan Term
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% p.a. (fixed) you will repay £225.47 per month & £10,822.56 in total.
Tesco Bank Personal Loan
Loan Amount
£1,000 to £25,000
Representative APR
4.1% APR
(£7,500 to £15,000)
Loan Term
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% p.a. (fixed) you will repay £225.90 per month & £10,843.20 in total.
Nationwide Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
4.2% APR
(£7,500 to £14,999 )
Loan Term
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% p.a. (fixed) you will repay £226.33 per month & £10,863.84 in total.
Nationwide Personal Loan
Loan Amount
£1,000 to £25,000
Representative APR
4.5% APR
(£7,500 to £14,999)
Loan Term
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.
Santander Internet Loan
Loan Amount
£1,000 to £20,000
Representative APR
4.5% APR
(£7,500 to £20,000)
Loan Term
1 year to 5 years
You must have a direct debit facility.
Representative Example: The Representative APR is 4.5% APR (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.
RBS Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
4.9% APR
(£7,500 to £14,999)
Loan Term
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% p.a. (fixed) you will repay £229.36 per month & £11,009.28 in total.
NatWest Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
4.9% APR
(£7,500 to £14,999)
Loan Term
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% p.a. (fixed) you will repay £229.36 per month & £11,009.28 in total.
Lendable 5 Year Loan
Loan Amount
£1,000 to £15,000.
Representative APR
5% APR
(£1,000 to £15,000)
Loan Term
5 years
Online Application, instant decision & funds within 2 hrs. Repay early or overpay without charges. Rates fully personalized to circumstances.
Good credit rating required.
The Representative APR is 5% APR (fixed) so if you borrow £15000 over 60 months at a rate of 4.19% p.a. (fixed) you will repay £283.07 per month & £16984.11 in total.
Clydesdale Bank Personal Loan
Loan Amount
£1,000 to £25,000
Representative APR
5.3% APR
(£15,001 to £25,000)
Loan Term
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 5.9% APR (fixed) at a rate of 5.9% p.a. (fixed)
Yorkshire Bank Personal Loan
Loan Amount
£1,000 to £25,000
Representative APR
5.3% APR
(£15,001 to £25,000)
Loan Term
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 5.9% APR (fixed) at a rate of 5.9% p.a. (fixed)
Lendable 3 Year Loan
Loan Amount
£1,000 to £15,000
Representative APR
5.4% APR
(£1,000 to £15,000)
Loan Term
3 years
Online Application, instant decision & funds within 2 hrs. Repay early or overpay without charges. Rates fully personalized to circumstances.
Good credit rating required.
The Representative APR is 5.4% APR (fixed) so if you borrow £5000 over 36 months at a rate of 4.08% p.a. (fixed) you will repay £150.75 per month & £5427.15 in total.
Lendable 2 Year Loan
Loan Amount
£1,000 to £15,000
Representative APR
5.8% APR
(£1,000 to £15,000)
Loan Term
2 years
Online Application, instant decision & funds within 2 hrs. Repay early or overpay without charges. Rates fully personalized to circumstances.
Good credit rating required.
The Representative APR is 5.8% APR (fixed) so if you borrow £5000 over 24 months at a rate of 4.34% p.a. (fixed) you will repay £221.15 per month & £5307.67 in total.
Moneyway Plus Loan
Loan Amount
£3,000 to £15,000
Representative APR
7.5% APR
(£7,001 to £15,000)
Loan Term
1 year to 5 years
Representative Example: The Representative APR is 7.9% APR so if you borrow £7,000 over 18 months at a rate of 7.9% p.a. (fixed) you will repay £412.79 per month & £7,430.22 in total.
Lendable 1 Year Loan
Loan Amount
£1,000 to £15,000
Representative APR
9% APR
(£1,000 to £15,000)
Loan Term
1 year
Online Application, instant decision & funds within 2 hrs. Repay early or overpay without charges. Rates fully personalized to circumstances.
Good credit rating required.
The Representative APR is 9% APR (fixed) so if you borrow £5000 over 12 months at a rate of 6.2% p.a. (fixed) you will repay £437.26 per month & £5247.09 in total.
RateSetter 1 Year Loan
Loan Amount
£1,000 to £25,000
Representative APR
9.2% APR
(£3,000 to £25,000)
Loan Term
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 9.2% APR (fixed) at a rate of 9.2% p.a. (fixed) Arrangement fee from £72.10.
Moneyway Personal Loan
Loan Amount
£1,000 to £15,000
Representative APR
18.9% APR
(£12,001 to £15,000)
Loan Term
1 year to 5 years
Representative Example: The Representative APR is 24.9% APR 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.
Springcoin Select Personal Loan
Loan Amount
£500 to £20,000
Representative APR
22.5% APR
(£500 to £20,000)
Loan Term
1 year to 4 years
Fast funding within the same day of submitting the online application with rates starting at 19%. No arrangement or early payment fees & not required to have a guarantor or own a home.
Representative Example: The Representative APR is 22.5% APR (fixed) so if you borrow £3,000 over 2 year at a rate of 22.5.5% p.a. (fixed) you will repay £153.38 per month & £3,681.12 in total.
Citrus Loans Personal Loan
Loan Amount
£500 to £20,000
Representative APR
22.5% APR
(£500-£20,000)
Loan Term
1 year to 3 years
Representative Example:The Representative APR is 22.5% APR so if you borrow £3,000 over 2 years at a rate of 20.5% (fixed) then you will repay £153.38 per month & £3,681.05 in total.
1st Stop Personal Loans for Homeowners Plus
Loan Amount
£1,000 to £10,000
Representative APR
24.9% APR
(£1,000 to £10,000)
Loan Term
1 year to 6 years
This is an unsecured loan, but you must be a homeowner to apply as it is designed for homeowners who would prefer not to secure a loan against their property.
Representative Example: The Representative APR is 24.9% APR so if you borrow £4,000 over 3 years at a rate of 12% (variable) you will repay £154.45 per month and £5560.20 in total. The total charge for credit is £1560.20 which includes a processing fee of £120.

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How to Get Cheap Loans for £10,000

by DaisyLill

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.

How to Get Cheap Loans for £10,000

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 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 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.