Compare 5,000 Loans

Find the cheapest £5,000 loan possible in minutes when you use our comparison of the best loan rates for £5,000 to see which lender offers cheap loans for £5,000 that best suit your circumstances. Don't pay any more than you need to in interest when you take out a loan for five thousand pounds by making sure you get the best deal.
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 LoanRepresentative APRFor Loan AmountsTerm 
MinimumMaximumMinimumMaximum
Promoted Results
Zopa
Personal Loan
£1,000£20,0004.3%£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£25,0004.4%£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£25,0004.4%£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£25,0004.5%£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£25,0004.5%£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.
Santander
Internet Loan
£1,000£20,0004.5%£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£20,0004.6%£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.
AA
Loan
£3,000£25,0004.7%£7,500 to £15,000
2
years
5
years
Representative Example: The Representative APR is 4.7% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.7% p.a. (fixed) you will repay £228.49 per month & £10,967.52 in total.
One year term is available for loans under £5,000.
M&S Bank
Personal Loan (New Customers)
£1,000£25,0004.8%£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£25,0004.9%£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.
Sainsbury's Bank
 
Standard Small Loan (£5K-£7499) (4-5 Yrs)
£5,000£7,4995.7%£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.
NatWest
Personal Loan
£1,000£25,0006.4%£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.
RateSetter
1 Year Loan
£1,000£25,0006.7%£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.
Moneyway
Plus Loan
£3,000£15,0007.5%£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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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£15,00018.9%£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.
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.
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.
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.
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.
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£10,00024.9%£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.
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.
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£5,00044.8%£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£5,00045.0%£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£7,50047.9%£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£5,00049.7%£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£5,00049.9%£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.
1st Stop
Guarantor Loan
£500£5,00052.6%£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£7,50058.5%£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.
118 118 Money
Loan
£1,000£5,00099.9%£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.
EZBOB
Business Loan
£500£50,000
---
---
1
month
1
year
One hour funding, apply online, zero paperwork. Up to £50,000.
Funding Circle
Business Loan
£5,000£1,000,000
---
---
6
months
5
years
Applicants must have 2 years+ of filed accounts with Companies House and have a minimum turnover of £100k.
UK's biggest peer-to-peer business lender. 10% of all eligible loans funded by UK Government. Established businesses only.
Boost Capital
Business Loan
£3,000£500,000
---
---
4
months
1
year
Fast, Flexible Business Loans and Business Cash Advance to Help Your Business Grow.
iwoca
Business Loan
£1,000£50,000
---
---
1
month
6
months
Fast, flexible funding for ecommerce businesses
Ashley Business Cash
 
Cash Advance
£3,500£100,000
---
---
6
months
1
year
Adverse credit accepted, must have been trading 12 months, minimum 12 months sales history required, must have 1 year remaining on lease. UK citizens only.
Everline.com
Business Loan
£3,000£50,000
---
---
1
week
1
year
Over 18 and UK resident. Trading for minimum of 2 years. Maximum £50k loan for limited companies (£10k for sole traders). Loans are subject to approval. T&Cs apply.
RateSetter
Business Loan
£1,000£25,000
---
---
1
year
5
years
Full Results
Zopa
Personal Loan
£1,000£20,0004.3%£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£25,0004.4%£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£25,0004.4%£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.
Clydesdale Bank
Personal Loan (Ex/C)
£1,000£25,0004.4%£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.
Yorkshire Bank
Personal Loan (Ex/C)
£1,000£25,0004.4%£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.
Available to existing customers only.
Tesco Bank
Personal Loan
£3,000£25,0004.5%£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£25,0004.5%£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.
Santander
Internet Loan
£1,000£20,0004.5%£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.
Hitachi Personal Finance
 
Car Loan
£2,500£25,0004.5%£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 £227.50 per month & £10,920.00 in total.
Santander
Branch Loan (123 Customers)
£1,000£20,0004.5%£7,500 to £20,000
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.
Available to existing customers only.
Santander
Branch Loan (Standard)
£1,000£20,0004.5%£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.
Santander
Telephone Loan (123 Customers)
£1,000£20,0004.5%£7,500 to £20,000
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.
Available to existing customers only.
Santander
Telephone Loan (Standard)
£1,000£20,0004.5%£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.
Santander
Select Loan (Select Customers)
£1,000£25,0004.5%£7,500 to £25,000
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.
Available to existing customers only.
Derbyshire Building Society
 
Personal Loan
£5,000£20,0004.6%£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.
AA
Member Loan
£3,000£25,0004.6%£7,500 to £15,000
2
years
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.
Available to existing customers only.
One year term is available for loans under £5,000.
AA
Loan
£3,000£25,0004.7%£7,500 to £15,000
2
years
5
years
Representative Example: The Representative APR is 4.7% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.7% p.a. (fixed) you will repay £228.49 per month & £10,967.52 in total.
One year term is available for loans under £5,000.
M&S Bank
Personal Loan (Existing Customers)
£1,000£25,0004.7%£7,500 to £15,000
1
year
7
years
Representative Example: The Representative APR is 4.7% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.7% p.a. (fixed) you will repay £228.49 per month & £10,967.52 in total.
Available to existing customers only.
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.
First Direct
Personal Loan
£1,000£25,0004.7%£7,000 to £15,000
1
year
7
years
Representative Example: The Representative APR is 4.7% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.7% p.a. (fixed) you will repay £228.67 per month & £10,976.16 in total.
Available to existing customers only.
M&S Bank
Car Loan (Existing Customers)
£2,500£25,0004.7%£7,500 to £15,000
1
year
5
years
Representative Example: The Representative APR is 4.7% (fixed) at a rate of 4.7% p.a. (fixed)
Available to existing customers only.
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How to Find the Best Loan Rates for 5,000

Whether it's an unexpected expense or a planned purchase such as a new car, you need to get the best deal whether you're borrowing 50,000 or getting a 5,000 loan. Here's how.

There are many ways to find cheap £5,000 loans without breaking the bank, and with interest rates fixed at record lows, in many ways there hasn't been a better time to get in debt!

We take a look at some of the factors you should consider when looking for the best loan rate for £5,000 and how to find the most competitive deal.

Use a £5,000 loan calculator to budget for repayments

Most people know that the APR relates to how expensive a loan will be, but have you got any idea how this correlates to what you will actually pay?

£5,000 loan repayments can vary significantly depending on the interest rate being charged but whilst it's helpful to know the APR, this won't explain in monetary terms how much the borrowing will cost.

This is particularly the case when you are comparing £5,000 loans at a glance because the Representative APR quoted by lenders only has to have been available to 51% of borrowers. If you don't have a perfect credit rating or want to borrow outside the limits of their headline Representative APR you may get quoted a higher interest rate which, in simple terms, means you will be charged more.

For example, if you wanted a £5,000 loan over 3 years, and found a lender that advertised a Representative APR of 58.5% (a high interest rate compared to some of the best loans on offer) you would not know without applying whether you'd pay this rate or much higher. By using a loan calculator and getting a pre-approval check on the lenders' website you should be able to get a more accurate idea of what you'll pay without affecting your credit rating.

If you compare £5,000 loan rate and borrowing amount from different providers then do the above for those that you are considering applying for you should be able to find the provider most likely to give you the cheapest deal.

Get fixed rate loans for £5,000 from elsewhere

If you are looking for a £5,000 loan over 5 years, you might think that the only place to apply is your own bank. And whilst you can certainly try if their rates are attractive, in the majority of places you don't need to bank with a lender in order to apply for one of their loans.

Although it can certainly be easier borrowing money from your own bank as you may not have to provide proof of ID and other documentation, you must carry out a £5,000 loans comparison because you could save a significant amount by going further afield.

The same principles apply even if you have a history of bad credit. By applying to a lender who has a policy of being willing to consider applicants with a less than perfect credit record, you stand a better chance of a loan £5,000 or whatever figure you request.

It'll really pay to think outside the box though. A life of balance credit card, a 0% balance transfer credit card or one that offers 0% money transfers could give you access to the money you need for less interest and with more flexibility so this is definitely an option worth considering before you apply for a personal loan.

Loan Comparison

View all loan reviews.

Alternative Loans

You may want to compare the above loans with the following.

Halifax Clarity Loan

  • Arrangement fee () of 0.
  • Get 30 days 1st payment due.
  • Get 1,000 minimum loan.
  • 7 years max loan term is available to customers.
  • Take advantage of 9.9 percent representative APR.
  • Representative Example: The Representative APR is 9.9% (fixed) so if you borrow 10,000 over 4 years at a rate of 9.9% p.a. (fixed) you will repay 233.89 per month & 11,226.72 in total.

RBS Internet Loan (Existing Customers)

  • 1,000 minimum loan is offered with Internet Loan (Existing Customers).
  • 42 days first payment due.
  • New customers will enjoy arrangement fee () of 0.
  • Get 0 month deferred start from RBS.
  • Enjoy a representative APR of 4.9% from the loan.
  • 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.

Smile Personal Loan

  • 2,000 minimum loan is available.
  • New customers can get 7,500 to 14,950 representative loan amount.
  • New customers have the benefit of 0 percent arrangement fee (%) from the Personal Loan.
  • Representative APR of 5.5 percent is available to customers.
  • Representative Example: The Representative APR is 5.5% (fixed) so if you borrow 10,000 over 4 years at a rate of 5.5% p.a. (fixed) you will repay 231.95 per month & 11,133.60 in total.

Zopa Personal Loan

  • Customers get 2 yrs minimum loan length from the loan.
  • Zopa offers representative APR of 4.3 percent.
  • Customers get 5 yrs maximum loan term from Zopa.
  • Max loan of 20,000.
  • 0 month deferred start is available with this loan.
  • 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.

Oakam Bonus Loan

  • Customers get 30 days 1st payment due from Oakam.
  • Minimum loan length of 3 months is available with this loan.
  • Get 676.6% representative APR from Oakam.
  • The loan gives a 0 mth deferred start.
  • Representative Example: The Representative APR is 676.6% (fixed) so if you borrow 240 over 13 weeks at a rate of 977.4% p.a. (variable) you will repay 25 per week & 276.67 in total.

Lloyds Bank Flexible Loan

  • Representative APR of 12 percent.
  • Have the benefit of a maximum arrangement fee of 0 from this loan.
  • You get 1,000 minimum loan.
  • 7,500 to 25,000 representative loan amount is offered with the loan.
  • New customers take advantage of 0 minimum arrangement fee.
  • Representative Example: The Representative APR is 12% so if you borrow 10,000 over 4 years at a rate of 11.43% p.a. (fixed) you will repay 236.06 per month & 11,330.88 in total.

RateSetter Personal Loan

  • Customers get 1 yr minimum loan period from the Personal Loan.
  • RateSetter gives representative APR of 5.4%.
  • Enjoy a representative APR of 5.4 percent from this loan.
  • You can get 5 yrs max loan term.
  • Representative Example: The Representative APR is 5.4% (fixed) so if you borrow 8,000 over 24 months at a rate of 5.4% p.a. (fixed) you will repay 352.41 per month & 8,457.84 in total.

HSBC Premier Loan

  • 25,000 maximum loan is available with the loan.
  • 7,000 to 25,000 representative loan amount is offered.
  • 8 yrs maximum loan term is offered.
  • Premier Loan offers an arrangement fee () of 0.
  • 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.