This comparison includes unsecured loans that can be taken out in joint names.
We are a comparison website that's authorised and regulated by the FCA as a credit broker. How our site works.
Sainsbury's Bank Personal Loan Med (1-5Yrs) Non-Nectar
Loan Amount
£7,500 to £15,000
Representative APR
3.7% APR
(£7,500 to £15,000)
Loan Term
1 year to 5 years
Representative Example: The Representative APR is 3.7% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 3.7% p.a. (fixed) you will repay £224.18 per month & £10,760.64 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.
Nationwide Personal Loan Semi-Exclusive
Loan Amount
£1,000 to £25,000
Representative APR
3.9% APR
(£7,500 to £14,999)
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 £20,000)
Loan Term
1 year to 5 years
Available to existing customers only.
Representative Example: The Representative APR is 3.9% APR (fixed) so if you borrow £10,000 over 5 years at a rate of 3.87% p.a (fixed) you will repay £183.61 per month & £11,016.60 in total.
Santander Personal Loan Ex/C (Internet)
Loan Amount
£1,000 to £20,000
Representative APR
4.2% APR
(£7,500 to £20,000)
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 5 years at a rate of 4.2% p.a (fixed) you will repay £184.89 per month & £11,093.40 in total.
Sainsbury's Bank Personal Loan Small >=£5K <£7.5K Non-Nectar
Loan Amount
£5,000 to £7,499
Representative APR
4.9% APR
(£5,000 to £7,499)
Loan Term
1 year to 5 years
Representative Example: The Representative APR is 4.9% APR (fixed) so if you borrow £5,000 over 5 years at a rate of 4.9% p.a. (fixed) you will repay £93.88 per month & £5,632.80 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 £14,999)
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 £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 £14,999)
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 £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 3 years at a rate of 4.9% p.a (fixed) you will repay £286.97 per month & £13,774.18 in total.
Sainsbury's Bank Personal Loan Med (5+Yrs) Non-Nectar
Loan Amount
£7,500 to £15,000
Representative APR
5.7% APR
(£7,500 to £15,000)
Loan Term
6 years to 7 years
Representative Example: The Representative APR is 5.7% APR (fixed) so if you borrow £10,000 over 7 years at a rate of 5.7% p.a. (fixed) you will repay £143.97 per month & £12,093.48 in total.
Sainsbury's Bank Personal Loan Large Non-Nectar
Loan Amount
£15,001 to £25,000
Representative APR
5.9% APR
(£15,001 to £25,000)
Loan Term
2 years to 7 years
Representative Example: The Representative APR is 5.9% APR (fixed) so if you borrow £20,000 over 7 years at a rate of 5.9% p.a. (fixed) you will repay £289.74 per month & £24,338.16 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.
Sainsbury's Bank Personal Loan >£25K <=£35K Non Nectar
Loan Amount
£25,001 to £35,000
Representative APR
6.9% APR
(£25,001 to £35,000)
Loan Term
2 years to 5 years
Representative Example: The Representative APR is 6.9% APR (fixed) so if you borrow £30,000 over 5 years at a rate of 6.9% p.a. (fixed) you will repay £589.67 per month & £35,380.20 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.
Nationwide Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
3.6% APR
(£7,500 to £14,999 )
Loan Term
1 year to 5 years
Get a commitment-free quote and an instant online decision. No hidden fees or set-up charges. A lower loan rate available for existing current account customers.
Available to existing customers only.
Representative Example: The Representative APR is 3.6% APR (fixed) so if you borrow £10,000 over 5 years at a rate of 3.6% p.a (fixed) you will repay £184.71 per month & £11,082.60 in total.
First Direct Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
3.6% APR
(£7,000 to £25,000)
Loan Term
1 year to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 3.6% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 3.6% p.a (fixed) you will repay £137.69 per month & £8,261.18 in total.
Sainsbury's Bank Personal Loan (Nectar Card)
Loan Amount
£1,000 to £35,000
Representative APR
3.6% APR
(£7,500 to £15,000)
Loan Term
1 year to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 3.7% APR (fixed) so if you borrow £15,000 over 5 years at a rate of 3.7% p.a (fixed) you will repay £273.81 per month & £16,428.60 in total.
Halifax Clarity Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
3.9% APR
(£7,500 to £20,000)
Loan Term
1 year to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 9.9% APR (fixed) so if you borrow £10,000 over 5 years at a rate of 9.48% p.a (fixed) you will repay £209.91 per month & £12,594.60 in total.
HSBC Personal Loan Ex/C
Loan Amount
£1,000 to £25,000
Representative APR
3.9% APR
(£7,000 to £15,000)
Loan Term
1 year to 5 years
Available to existing customers only.
Representative Example: The Representative APR is 3.9% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 3.9% p.a (fixed) you will repay £137.56 per month & £8,253.36 in total.

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 Get a Cheap Joint Loan

by BillJ

We take a look at the best UK joint loans and help you compare joint personal loans to make the best choice for your shared needs.

Couple Computer Dining Table

The key point with joint loans is that every party is equally and fully responsible for its repayment: even if only one of you defaults, you'll both still be entirely liable.

However, involving more than one person can make you eligible for a larger loan or better interest rates, and banks tend to be more willing to lend to two or more people together. Their risk is spread across two people's assets and potentially two incomes.

Why two incomes are better than one

Even for joint unsecured loans, two incomes make a default less likely so depending on your relationship and purposes for the loan, you're likely to have access to better rates than personal loans for individuals.

The relationship between borrowers is always taken into account on any joint loan application; some lenders only offer joint loans for married couples or blood relatives, while other providers set different criteria. Joint loans for couples are still available if you aren't legally registered as married, but be aware this can sometimes, although not often nowadays, narrow your options.

You'll also need to consider your combined circumstances and what it is you want to borrow towards. Even if you have two incomes, joint loans for bad credit may be harder to come by and it might be worth considering specialist poor credit history lenders. Similarly, with some lenders consolidation loans for couples may only be available as secured loans.

Find a suitable deal and compare

Use the above points to narrow your comparison down to find which lenders' deals are available to you as a joint application loan and prioritise the types of loan offered. Then, compare the features offered to find the best loan for your shared needs.

You should consider the amount you want to borrow, the loan term and the interest rates applied. Be aware that if your proposed loan doesn't fall within lenders' headline APR limits, you may be offered different rates. It's also quite likely that the rate applied to your loan will depend on the lender's view of your combined credit standing so if one or both of you have a tarnished history with credit you may find yourselves paying more.

Work out how much you'd repay overall and ensure that the monthly repayments are affordable to find the cheapest loans, and finally take into account their terms and conditions. Remember to factor in any early redemption charges if you think it's likely you'll want to clear the loan before the official end date.