Hitachi Personal Finance Personal Loan | ||||

Loan Amount | Representative APR | Loan Term | ||
---|---|---|---|---|

£2,500 to £25,000 | 4.1% (£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 Amount | Representative APR | Loan Term | ||

£3,000 to £25,000 | 4.1% (£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 Amount | Representative APR | Loan Term | ||

£7,500 to £15,000 | 4.1% (£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 Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 4.3% (£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 Amount | Representative APR | Loan Term | ||

£1,000 to £20,000 | 4.3% (£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 Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 4.7% (£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 Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 4.9% (£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 Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 4.9% (£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 Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 4.9% (£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. | ||||

RateSetter 1 Year Loan | ||||

Loan Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 5.1% (£7,000 to £7,999) | 1 year to 23 months | ||

Quick and simple online process, approval within 24 hours. No early repayment charges and all fees are included in the APR. Need good credit history. | ||||

Representative Example: The Representative APR is 5.9% (fixed) at a rate of 5.9% p.a. (fixed) Arrangement fee from £61.50. | ||||

Nationwide Personal Loan Ex/C | ||||

Loan Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 5.9% (£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 Amount | Representative APR | Loan Term | ||

£7,500 to £15,000 | 6.1% (£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 Amount | Representative APR | Loan Term | ||

£7,500 to £25,000 | 6.2% (£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 Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 6.4% (£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 Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 6.4% (£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 Amount | Representative APR | Loan Term | ||

£3,000 to £15,000 | 7.5% (£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. | ||||

Moneyway Personal Loan | ||||

Loan Amount | Representative APR | Loan Term | ||

£1,000 to £15,000 | 18.9% (£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. | ||||

Springcoin Personal Loan | ||||

Loan Amount | Representative APR | Loan Term | ||

£1,000 to £20,000 | 48.5% (£1,000 to £20,000) | 1 year to 2 years | ||

Interest rates available from 19% - 99% subject to the credit history of the applicant. | ||||

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. | ||||

HSBC Personal Loan Ex/C | ||||

Loan Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 3.9% (£7,000 to £15,000) | 1 year to 5 years | ||

Available to existing customers only. | ||||

Representative Example: 3.9% APR Representative (fixed) so if you borrow £10,000 over 4 years at a rate of 3.9% p.a. (fixed) you will repay £225.04 per month & £10,801.89 in total. | ||||

HSBC Premier Loan Ex/C | ||||

Loan Amount | Representative APR | Loan Term | ||

£1,000 to £25,000 | 3.9% (£7,000 to £25,000) | 1 year to 8 years | ||

Available to existing customers only. | ||||

Representative Example: The Representative APR is 3.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 3.9% p.a. (fixed) you will repay £225.04 per month & £10,801.92 in total. |

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Whilst it's always important to get a good deal, if you are looking to borrow a larger amount, such as a £15,000 loan, getting a competitive rate is particularly important.

We take a look at how to compare the cheapest loans for £15,000 and how to work out which is the best deal for you.

## Working out £15,000 loan repayments

When you're comparing loans the Representative APR will give you an indication of the interest rate you could get.

The higher the APR, the more interest you will be paying and the more expensive the loan will be. To get the best loan deals for £15,000 you need to look for the lowest APR for this amount. However, Representative APRs aren't guaranteed for everyone; instead it's the rate that at least 51% of borrowers get.

So in order to work out exactly how much your borrowing will cost, you will need a £15,000 loan calculator. This will tell you in monetary terms how much the repayments will be each month.

If a low monthly repayment is your priority, you may want to stretch a £15,000 loan over 10 years as this will keep the instalments low. If you can afford to pay a bit more each month, you may want to clear your debt more quickly by taking out either a £15,000 loan over 5 years or even a £15,000 loan over 3 years.

Be aware however, that even though a loan over a longer period may mean cheaper monthly instalments, the overall cost will be more expensive. For this reason alone it's a good idea to spread your repayments over the shortest period possible.

If you carry out a cheap £15000 loans comparison you will be able to not only compare the loan repayments but also look at the total end cost. This is also known as the TAR - the total amount repayable - and will show you how much you will have to pay back in total by the end of the term.

## Where to find the best £15,000 personal loans

One thing worth bearing in mind is your credit rating as this will have a bearing on the overall cost and the interest rate you are charged.

Most lenders will indicate the minimum credit rating they'll accept so it's not worth applying if you don't fit the bill. Many now offer a pre application approval check which will indicate your likelihood of getting accepted. If you get offered this option take it because it should give you an idea of whether it's worth applying.

The best way to source the most competitive deal for you is to carry out a cheap £15,000 loans comparison. This will help you to compare best £15,000 loan payments to find one where the repayment terms fits your needs but the total amount repayment is still as low as possible.