Compare Unsecured Loans

Compare unsecured loans from the best unsecured loan providers in the UK at a glance using our cheap unsecured loans comparison & find the best unsecure loan rates available to you in minutes. We make it easy to access affordable borrowing by helping you to search & apply for the cheapest unsecured loan you can get.
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LoanTermHeadline Representative 
TypeMinimumMaximumMinimumMaximumAPRLoan Amount 
Promoted Results
Zopa
Personal Loan
Unsecured£1,000£15,000
3
years
5
years
6.08%£1,000 to £1,099
Representative Example: The representative APR is 7.84% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.84% p.a. (fixed)Arrangement fee £130,
Sainsbury's Finance
 
Sainsbury's Standard Medium Loan (4-5 Yrs)
Unsecured£7,500£15,000
4
years
5
years
6.1%£7,500 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £236.88 per month & £11,370.24 in total.
Loan available to Sainsbury's shoppers with Nectar Card.
HSBC
Personal Loan
Unsecured£7,000£25,000
1
year
8
years
6.2%£7,000 to £15,000
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed) you will repay £234.99 per month & £11,279.52 in total.
HSBC Personal Loans are only available to existing HSBC current account customers.
Alliance and Leicester
 
Loan (Semi-Exclusive)
Unsecured£1,000£20,000
1
year
5
years
6.3%£7,500 to £14,950
Representative Example: The representative APR is 6.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.3% p.a. (fixed) you will repay £235.42 per month & £11,300.16 in total.
Nationwide
Personal Loan
Unsecured£7,500£25,000
1
year
5
years
6.4%£7,500 to £14,950
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.
Sainsbury's Finance
 
Sainsbury's Standard Small Loan (4-5 Yrs)
Unsecured£1,000£7,499
4
years
5
years
7.9%£5,000 to £7,499
Representative Example: The representative APR is 7.9% (fixed) at a rate of 7.9% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
RateSetter.com
Variable Rate Unsecured Personal Loan
Unsecured£2,000£15,000
1
year
2
years
7.9%£2,000 to £15,000
Representative example: The representative APR is 7.9% (variable) so if you borrow £10,000 over 2 years at a rate of 7.9% you will repay £449.98 per month and £10,800 in total. Requires a good credit history.
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.
Sainsbury's Finance
 
Sainsbury's Standard Large Loan (4+ Yrs)
Unsecured£15,001£25,000
4
years
7
years
8.1%£15,001 to £25,000
Representative Example: The representative APR is 8.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.1% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
NatWest
Personal Loan
Unsecured£1,000£25,000
1
year
7
years
8.9%£7,500 to £14,950
Representative Example: The representative APR is 8.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.9% p.a. (fixed) you will repay £246.77 per month & £11,844.96 in total.
Existing customers only.
RBS
Internet Loan (Existing Customers)
Unsecured£1,000£25,000
1
year
7
years
8.9%£7,500 to £14,950
Representative Example: The representative APR is 8.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.9% p.a. (fixed) you will repay £246.77 per month & £11,844.96 in total.
Loan available to RBS customers only.
Zopa
Young (20-25)
Unsecured£1,000£15,000
3
years
5
years
9.16%£1,000 to £1,099
Representative Example: The representative APR is 10.54% (fixed) so if you borrow £10,000 over 4 years at a rate of 10.54% p.a. (fixed)Arrangement fee £190,
RateSetter.com
Fixed Rate Unsecured Personal Loan
Unsecured£2,000£15,000
3
years
3
years
10.8%£2,000 to £15,000
Representative example: The representative APR is 10.8% (fixed) so if you borrow £10,000 over 3 years at a rate of 10.8% you will repay £320.57 per month and £11,540.60 in total. Requires good credit history.
Quick and simple online process, money usually in your account within 48 hours. No early repayment charges and all fees are included in the APR. Need good credit history.
moneybarn
Car Finance
Unsecured£5,000£25,000
2
years
4
years
30.2%£5,000 to £25,000
Representative Example: The representative APR is 30.2% (fixed)
Loan available for car finance only
Trouble getting car finance? Money Barn take into account much more than just your credit score.
Guarantor Loans Online
 
Guarantor Loans Online
Unsecured£1,000£5,000
1
year
5
years
53.8%£1,000 to £5,000
Representative Example: The representative APR is 53.8% (fixed) so if you borrow £5,000 over 2 years at a rate of 53.8% p.a. (fixed) you will repay £316.43 per month & £7,594.32 in total.
Guarantor Loans Online 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.
Provident Personal Credit
 
Provident Loan (Cash)
Unsecured£50£500
6
months
13
months
272.2%£50 to £500
Representative Example: The representative APR is 272.2% (fixed) at a rate of 272.2% p.a. (fixed)
Pounds to Pocket
 
Pounds to Pocket
Unsecured£200£2,000
1
year
1
year
278%£200 to £2,000
Representative example: The representative APR is 278% so if you borrow £500 over 1 year at a rate of 140% you will repay £79.09 per month and £949.01 in total.
Full Results
M&S
Personal Loan (Internet)
Unsecured£1,000£25,000
1
year
7
years
6%£7,500 to £15,000
Representative Example: The representative APR is 6% (fixed) so if you borrow £10,000 over 4 years at a rate of 6% p.a. (fixed) you will repay £234.11 per month & £11,237.28 in total.
M&S
Car Loan
Unsecured£2,500£25,000
1
year
7
years
6%£7,500 to £15,000
Representative Example: The representative APR is 6% (fixed) so if you borrow £10,000 over 4 years at a rate of 6% p.a. (fixed)
Tesco Bank
Tesco Personal Loan (Existing Customers)
Unsecured£3,000£25,000
1
year
10
years
6%£7,500 to £14,999
Representative Example: The representative APR is 6% (fixed) so if you borrow £10,000 over 4 years at a rate of 6% p.a. (fixed) you will repay £234.12 per month & £11,237.76 in total.
Loan available to existing customers only.
Sainsbury's Finance
 
Sainsbury's Standard Medium Loan (1-3 Yrs)
Unsecured£7,500£15,000
1
year
3
years
6%£7,500 to £15,000
Representative Example: The representative APR is 6% (fixed) at a rate of 6% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
Zopa
Personal Loan
Unsecured£1,000£15,000
3
years
5
years
6.08%£1,000 to £1,099
Representative Example: The representative APR is 7.84% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.84% p.a. (fixed)Arrangement fee £130,
Sainsbury's Finance
 
Sainsbury's Standard Medium Loan (4-5 Yrs)
Unsecured£7,500£15,000
4
years
5
years
6.1%£7,500 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £236.88 per month & £11,370.24 in total.
Loan available to Sainsbury's shoppers with Nectar Card.
First Direct
Personal Loan
Unsecured£1,000£25,000
1
year
7
years
6.1%£7,000 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.56 per month & £11,258.88 in total.
Available to existing First Direct customers only.
Tesco Bank
Tesco Personal Loan
Unsecured£3,000£25,000
1
year
10
years
6.1%£7,500 to £14,999
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.55 per month & £11,258.40 in total.
HSBC
Premier Loan
Unsecured£7,000£25,000
1
year
8
years
6.1%£7,000 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.56 per month & £11,258.88 in total.
HSBC premier personal loan is for HSBC Premier current account holders only.
Car Loan 4U
(Semi-Exclusive)
Unsecured£3,000£50,000
1
year
5
years
6.1%£3,000 to £50,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.56 per month & £11,258.88 in total.
HSBC
Personal Loan
Unsecured£7,000£25,000
1
year
8
years
6.2%£7,000 to £15,000
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed) you will repay £234.99 per month & £11,279.52 in total.
HSBC Personal Loans are only available to existing HSBC current account customers.
Barclays
Barclayloan Plus (£3K+ Min Credit)
Unsecured£10,000£25,000
2
years
5
years
6.2%£10,000 to £25,000
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed) you will repay £234.99 per month & £11,279.52 in total.
Only available to Barclays Customers who have held a current account with Barclays for more than 12 months, paid £3,000 or more into their account... more
Alliance and Leicester
 
Loan (Semi-Exclusive)
Unsecured£1,000£20,000
1
year
5
years
6.3%£7,500 to £14,950
Representative Example: The representative APR is 6.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.3% p.a. (fixed) you will repay £235.42 per month & £11,300.16 in total.
Nationwide
Personal Loan
Unsecured£7,500£25,000
1
year
5
years
6.4%£7,500 to £14,950
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.
Clydesdale Bank
Clydesdale Personal Loan
Unsecured£1,000£25,000
1
year
7
years
6.4%£7,500 to £25,000
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 £236.08 per month & £11,331.84 in total.
A Clydesdale Bank current account is required before applying.
Yorkshire Bank
Personal Loan
Unsecured£1,000£25,000
1
year
7
years
6.4%£7,500 to £25,000
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 £236.08 per month & £11,331.84 in total.
Yorkshire Bank current account required before applying.
Sainsbury's Finance
 
Sainsbury's Shopper Reward Med Loan (1-3 Yrs)
Unsecured£7,500£15,000
1
year
3
years
6.8%£7,500 to £15,000
Representative Example: The representative APR is 6.8% (fixed) at a rate of 6.8% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
Santander
Personal Loan
Unsecured£1,000£20,000
1
year
5
years
6.9%£7,500 to £10,000
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £242.38 per month & £11,634.24 in total.
Santander
Personal Loan (Semi-Exclusive)
Unsecured£1,000£20,000
1
year
5
years
6.9%£7,500 to £14,950
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £238.03 per month & £11,425.44 in total.
The Co-operative Bank
 
The Co-op Personal Loan (Privilege&Premier CA)
Unsecured£2,000£25,000
1
year
7
years
6.9%£7,500 to £14,950
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £242.38 per month & £11,634.24 in total.
Loan available to Co-op Privilege and Privilege Premier Current Account customers.
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money.co.uk, Dot Zinc Limited, Fleet House, 8-12 New Bridge Street, London. EC4V 6AL. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.
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Very helpful, thank you
Jill

Unsecured Loans Explained

The basics of borrowing with personal loans explained.

An unsecured personal loan can provide an accessible and affordable way of borrowing whether you need to buy a new car or plan to take the holiday of a lifetime. They provide a flexible means of borrowing anything between £1,000 and £25,000 over a loan period ranging from one to five years. This means that you are able to tailor the amount you borrow, the loan period you borrow over and consequently the monthly repayments to your income.

There are a wide range of unsecured loan providers on the market, each with different lending criteria and offering a different interest rate. The rate charged on your loan will depend on the amount you borrow (with larger amounts attracting a lower rate of interest) and on your personal circumstances. Only those with a good credit history are likely to be eligible for the headline rate offered by an unsecured loan provider. This is because unsecured loans are a riskier investment for loan providers as there is no security in place from which they can reclaim their funds if repayments are not met. Those with a very poor credit history who have been refused unsecured borrowing may find that a secured loan may be more suitable.

There are two main categories of unsecured loans. Fixed personal loans are the most common variety as the loan amount and total interest payable is divided evenly over the loan term. This is a practical option as it enables you to plan realistically how much you can afford to pay back each month and borrow accordingly. The interest rate is also fixed for the term so whether standard interest rates decrease or increase your monthly repayments will remain the same.

When comparing fixed unsecured loans it is advisable to use the repayment calculator supplied by each loan provider to work out the likely monthly repayments for the amount you want to borrow. You should bear in mind that these are only estimates based on the companies typical APR and your repayments may be slightly higher depending on the interest rate offered. You should also compare fixed loan plans on whether they offer any repayment holidays during the term of the loan and additionally whether they impose any charges for early repayment.

Flexible loans are not as common and are offered by fewer unsecured loan providers. They may enable you to specify a maximum borrowing amount but do not require you to take all of the funds at once, instead you only withdraw the amount that you need and then pay interest on this amount. For this reason these types of loans are popular with those completing long term, variable projects such as building work. Loans of this nature also allow flexibility in repayments often stipulating a minimum amount to be paid each month but accepting greater repayments without charge.

Most unsecured loan providers offer optional payment protection insurance with their loans as this type of insurance is designed to meet the loan repayments on your behalf if you are unable to due to sickness or unemployment. This comes at an additional cost but can be worthwhile if only to provide you with peace of mind, especially when borrowing larger amounts.

By comparing the monthly repayments, additional features and charges offered by different unsecured loan providers you should be able to borrow the amount you require and repay it over a period of your choice in repayments that fit with your lifestyle.

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