This comparison includes unsecured loans that let you borrow 5,000 or more.
We are a comparison website that's authorised and regulated by the FCA as a credit broker. How our site works.
Zopa Personal Loan - Semi-Exclusive
Loan Amount
£1,000 to £25,000
Representative APR
3.6% APR
(£7,500 to £15,000)
Loan Term
1 year to 5 years
You must be at least 20 years old, with an annual income of at least £12,000 & have a good credit history / no CCJ's.
Representative Example: The Representative APR is 3.7% so if you borrow £10,000 over 3 years at a rate of 3.1% p.a. (fixed) plus an arrangement fee of £90 you will repay £293.81 per month & £10,577.07 in total.
Tesco Bank Personal Loan
Loan Amount
£1,000 to £25,000
Representative APR
3.8% APR
(£7,500 to £15,000)
Loan Term
1 year to 10 years
Representative Example: The Representative APR is 3.8% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 3.8% p.a (fixed) you will repay £224.61 per month & £10,781.28 in total.
Hitachi Personal Loan
Loan Amount
£1,000 to £25,000
Representative APR
3.8% APR
(£7,500 to £10,000)
Loan Term
15 months to 5 years
Representative Example: The Representative APR is 3.8% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 3.8% p.a (fixed) you will repay £137.22 per month & £8,233.20 in total.
Nationwide Personal Loan Semi-Exclusive
Loan Amount
£1,000 to £25,000
Representative APR
3.9% APR
(£7,500 to £14,950)
Loan Term
1 year to 5 years
Get a commitment-free quote and get an instant decision online. No hidden fees or set-up charges. A lower loan rate available for existing current account customers.
Representative Example: The Representative APR is 3.9% APR (fixed) so if you borrow £10,000 over 5 years at a rate of 3.9% p.a (fixed) you will repay £183.41 per month & £11,004.60 in total.
TSB Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
3.9% APR
(£7,500 to £19,999)
Loan Term
1 year to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 13.4% APR (fixed) so if you borrow £10,000 over 5 years at a rate of 12.68% p.a (fixed) you will repay £225.91 per month & £13,554.60 in total.
Sainsbury's Bank Personal Loan Small >=£5K <£7.5K Non-Nectar
Loan Amount
£5,000 to £7,499
Representative APR
4.8% APR
(£5,000 to £7,499)
Loan Term
1 year to 5 years
Representative Example: The Representative APR is 4.8% APR (fixed) so if you borrow £5,000 over 5 years at a rate of 4.8% p.a. (fixed) you will repay £93.66 per month & £5,619.60 in total.
Clydesdale Bank Personal Loan
Loan Amount
£1,000 to £25,000
Representative APR
4.9% APR
(£7,500 to £14,999)
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 4.9% APR (fixed) so if you borrow £12,500 over 3 years at a rate of 4.9% p.a (fixed) you will repay £286.97 per month & £13,774.18 in total.
NatWest Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
4.9% APR
(£7,500 to £14,950)
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 £7,500 over 5 years at a rate of 4.9% p.a (fixed) you will repay £140.81 per month & £8,448.60 in total.
RBS Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
4.9% APR
(£7,500 to £14,950)
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 £7,500 over 5 years at a rate of 4.9% p.a (fixed) you will repay £140.81 per month & £8,448.60 in total.
Yorkshire Bank Personal Loan
Loan Amount
£1,000 to £25,000
Representative APR
4.9% APR
(£7,500 to £14,999)
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 4.9% APR (fixed) so if you borrow £12,500 over 4 years at a rate of 4.9% p.a (fixed) you will repay £286.97 per month & £13,774.18 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.
Representative Example: The Representative APR is 5% APR (fixed) so if you borrow £7500 over 5 years at a rate of 4.19% p.a. (fixed) plus an arrangement fee of 2%, you will repay £141.53 per month & £8,492.06 in total.
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.
Representative Example: The Representative APR is 5.4% APR (fixed) so if you borrow £5000 over 3 years at a rate of 4.08% p.a. (fixed) plus an arrangement fee of 2%, 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.
Representative Example: The Representative APR is 5.8% APR (fixed) so if you borrow £5000 over 2 years at a rate of 4.34% p.a. (fixed) plus an arrangement fee of 1.5% you will repay £221.15 per month & £5307.67 in total.
Ulster Bank Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
6.4% APR
(£7,000 to £14,950)
Loan Term
1 year to 5 years
Available to existing customers only.
Representative Example: The Representative APR is 6.4% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 6.4% p.a (fixed) you will repay £145.76 per month & £8,745.60 in total.
Moneyway Plus Loan
Loan Amount
£3,000 to £15,000
Representative APR
7.9% APR
(£5,001 to £7,000)
Loan Term
1 year to 5 years
Representative Example: The Representative APR is 7.9% APR (fixed) 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.
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.
Representative Example: The Representative APR is 9% APR (fixed) so if you borrow £5000 over 1 year at a rate of 6.2% p.a. (fixed) plus an arrangement fee of 1.5%, 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
(£1,000 to £25,000)
Loan Term
1 year
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) so if you borrow £5,000 over 1 years at a rate of 4.2% p.a (fixed) plus an arrangement fee of £125.50 you will repay £436.84 per month & £5,242.08 in total.
besavvi Personal Loan
Loan Amount
£2,000 to £10,000
Representative APR
11.4% APR
(£7,500 to £10,000)
Loan Term
2 years to 5 years
Representative Example: The Representative APR is 11.4% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 11.4% p.a (fixed) you will repay £162.50 per month & £9,750.00 in total.
Evolution Money Personal Loan
Loan Amount
£1,000 to £15,000
Representative APR
17.6% APR (variable)
(£1,000 to £15,000)
Loan Term
1 year to 10 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 17.6% APR (variable) so if you borrow £5,000 over 5 years at a rate of 12.7% p.a (variable) plus an arrangement fee of £500.00 you will repay £122.34 per month & £7,340.67 in total.
1st Stop Homeowner Plus
Loan Amount
£1,000 to £15,000
Representative APR
18.2% APR
(£1,000 to £15,000)
Loan Term
2 year to 6 years
Get an online decision in minutes. 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.
Available to homeowners.
Representative Example: The Representative APR is 18.2% APR (variable) so if you borrow £5,000 over 5 years at a flat rate of 13% p.a (variable) plus an arrangement fee of £375 you will repay £137.84 per month and £8645.40 in total. The fee is included in your monthly repayments.

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

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 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.

Featured guide

How to get a bank loan

Looking for cheap bank loans? Our guide will show you how to get the best bank loan rates possible.

Popular guides

What is the new Right to Buy scheme?

A revamped Right to Buy scheme offers council tenants in England up to 77,900 (or 103,900 in London) off the market price of their council home. Here is what you need to know about the scheme.

Can I insure a car if I'm not the registered keeper?

Driving someone else's car is a big responsibility so making sure you've got the right insurance is vital, but can you even insure a car if you're not the registered keeper? Here's what you need to know.

Top 10 iPhone 6 personal finance apps

The new Apple iPhones have arrived! To celebrate we've found the very best money savings apps available to download to your new device. Here's our top 10 innovative finance apps.

Related categories