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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LoanTermRepresentative 
TypeMinimumMaximumMinimumMaximumAPRLoan Amount 
Promoted Results
Derbyshire Building Society
 
Personal Loan
Unsecured£5,000£20,000
1
year
5
years
5%£7,500 to £15,000
Representative Example: The representative APR is 5% (fixed) so if you borrow £15,000 over 4 years at a rate of 5% p.a. (fixed) you will repay £344.69 per month & £16,545.12 in total.
For a limited time, get 5.0% APR Representative for loans between £7,500 and £15,000.
Tesco Bank
Personal Loan
Unsecured£3,000£25,000
1
year
10
years
5.1%£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.33 per month & £16,575.84 in total.
Fixed monthly payments and no set up charges, you choose the date when you want to make your repayment.
Zopa
Personal Loan
Unsecured£1,000£15,000
1
year
5
years
5.1%£7,500 to £10,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £7,500 over 3 years at a rate of 4.4% p.a. you will repay £224.85 per month & £8,094.64 in total.
Clydesdale Bank
Personal Loan
Unsecured£7,500£15,000
1
year
5
years
5.1%£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.66 per month & £16,591.68 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. When calculating this reduction a charge may be added.
Sainsbury's Bank
 
Standard Medium Loan (4-5 Yrs)
Unsecured£7,500£15,000
4
years
5
years
5.1%£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.98 per month & £16,607.04 in total.
Different rates apply if you don't have a Nectar Card.
The Co-operative Bank
 
Personal Loan
Unsecured£2,000£25,000
1
year
5
years
5.8%£7,500 to £14,950
Representative Example: The representative APR is 5.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 5.75% p.a. (fixed) you will repay £233.68 per month & £11,216.64 in total.
AA
Personal Loan
Unsecured£2,000£25,000
1
year
5
years
5.8%£7,500 to £14,950
Representative Example: The representative APR is 5.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 5.75% p.a. (fixed) you will repay £233.68 per month & £11,216.64 in total.
The AA Personal Loan is provided by the Co-operative Bank p.l.c
Nationwide
Personal Loan
Unsecured£7,500£25,000
1
year
5
years
6.2%£7,500 to £14,999
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)
RateSetter
Fixed Rate Unsecured Personal Loan
Unsecured£1,000£25,000
3
years
5
years
6.4%£7,001 to £14,000
Representative Example: The representative APR is 6.4% (fixed) so if you borrow £7,600 over 36 months at a rate of 6.4% p.a. you will repay £232.59 per month & £8,373.24 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.
NatWest
Personal Loan
Unsecured£1,000£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 £15,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £383.26 per month & £18,396.48 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.
RBS
Internet Loan (Existing Customers)
Unsecured£1,000£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 £15,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £383.25 per month & £18,396 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)
Unsecured£5,000£7,499
4
years
5
years
7%£5,000 to £7,499
Representative Example: The representative APR is 7% (fixed) so if you borrow £5,000 over 4 years at a rate of 7% p.a. (fixed) you will repay £119.23 per month & £5,723.04 in total.
Available to existing customers only.
Sainsbury's Bank
 
Standard Medium Loan (5+ Yrs)
Unsecured£7,500£15,000
61
months
7
years
7.1%£7,500 to £15,000
Representative Example: The representative APR is 7.1% (fixed) so if you borrow £10,000 over 7 years at a rate of 7.1% p.a. (fixed) you will repay £150.34 per month & £12,628.56 in total.
Available to existing customers only.
Sainsbury's Bank
 
Standard Large Loan (5+ Yrs)
Unsecured£15,001£25,000
61
months
7
years
8.2%£15,001 to £25,000
Representative Example: The representative APR is 8.2% (fixed) so if you borrow £10,000 over 7 years at a rate of 8.2% p.a. (fixed) you will repay £310.80 per month & £26,107.20 in total.
Available to existing customers only.
Amigo Loans Ltd
Guarantor Loan
Unsecured£500£5,000
1
year
5
years
49.9%£500 to £5,000
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 £309.11 per month & £7,418.64 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.
Aspire Money
Personal Loan
Unsecured£500£7,500
1
year
7
years
62.1%£500 to £7,500
Representative Example: Representative 62.1% APR. Borrow £3000 and pay £161.03 a month for 36 months. The total charge for credit is £2797.08 (all interest). The Total Repayable is £5797.08.
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.
Pounds to Pocket
 
Personal Loan
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.
Provident Personal Credit
 
Cash Loan
Unsecured£100£500
6
months
1
year
399.7%£100 to £500
Representative 399.7% APR. Representative example: Borrow £200 and pay £10 per week for 32 weeks at a fixed interest rate of 97.5% per year. The Total Repayable is £320.
Full Results
RateSetter
2 Year Loan
Unsecured£1,000£25,000
2
years
2
years
3.9%£4,000 to £4,999
Representative Example: The representative APR is 5.8% (fixed) so if you borrow £15,000 over 2 years at a rate of 5.8% p.a. (fixed) you will repay £665.82 per month & £15,979.68 in total. Arrangement fee £138.
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.
Derbyshire Building Society
 
Personal Loan
Unsecured£5,000£20,000
1
year
5
years
5%£7,500 to £15,000
Representative Example: The representative APR is 5% (fixed) so if you borrow £15,000 over 4 years at a rate of 5% p.a. (fixed) you will repay £344.69 per month & £16,545.12 in total.
For a limited time, get 5.0% APR Representative for loans between £7,500 and £15,000.
Sainsbury's Bank
 
Standard Medium Loan (1-3 Yrs)
Unsecured£7,500£15,000
1
year
3
years
5%£7,500 to £15,000
Representative Example: The representative APR is 5% (fixed) so if you borrow £15,000 over 2 years at a rate of 5% p.a. (fixed) you will repay £657.97 per month & £15,791.28 in total.
Available to existing customers only.
Tesco Bank
Personal Loan
Unsecured£3,000£25,000
1
year
10
years
5.1%£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.33 per month & £16,575.84 in total.
Fixed monthly payments and no set up charges, you choose the date when you want to make your repayment.
Zopa
Personal Loan
Unsecured£1,000£15,000
1
year
5
years
5.1%£7,500 to £10,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £7,500 over 3 years at a rate of 4.4% p.a. you will repay £224.85 per month & £8,094.64 in total.
Clydesdale Bank
Personal Loan
Unsecured£7,500£15,000
1
year
5
years
5.1%£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.66 per month & £16,591.68 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. When calculating this reduction a charge may be added.
Sainsbury's Bank
 
Standard Medium Loan (4-5 Yrs)
Unsecured£7,500£15,000
4
years
5
years
5.1%£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.98 per month & £16,607.04 in total.
Different rates apply if you don't have a Nectar Card.
Barclays
Barclayloan Plus (Ex/C) Internet
Unsecured£5,000£25,000
2
years
5
years
5.1%£7,500 to £25,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £346.29 per month & £16,621.92 in total.
Available to existing customers only.
First Direct
Personal Loan
Unsecured£1,000£25,000
1
year
7
years
5.1%£7,000 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.33 per month & £16,575.84 in total.
Available to existing customers only.
Tesco Bank
Personal Loan (Existing Customers)
Unsecured£3,000£25,000
1
year
10
years
5.1%£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.33 per month & £16,575.84 in total.
Available to existing customers only.
Yorkshire Bank
Personal Loan
Unsecured£1,000£25,000
1
year
7
years
5.1%£7,500 to £15,000
Representative Example: The representative APR is 5.1% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.1% p.a. (fixed) you will repay £345.66 per month & £16,591.68 in total.
Hitachi Personal Finance
 
Personal Loan
Unsecured£2,500£15,000
2
years
5
years
5.4%£7,500 to £9,999
Representative Example: The representative APR is 6.5% (fixed) so if you borrow £15,000 over 4 years at a rate of 6.5% p.a. (fixed) you will repay £354.44 per month & £17,013.12 in total.
M&S Bank
Personal Loan
Unsecured£1,000£25,000
1
year
7
years
5.4%£7,500 to £15,000
Representative Example: The representative APR is 5.4% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.4% p.a. (fixed) you will repay £347.28 per month & £16,669.44 in total.
To apply for an M&S Personal Loan you have to be a UK resident aged 30 or over or a homeowner.
RateSetter
Variable Rate Unsecured Personal Loan
Unsecured£1,000£25,000
1
year
2
years
5.4%£5,001 to £14,000
Representative Example: The representative APR is 5.4% (variable) so if you borrow £7,600 over 24 months at a rate of 5.4% p.a. you will repay £334.79 per month & £8,034.96 in total. Requires good credit history.
Sainsbury's Bank
 
Shopper Reward Med Loan (1-3 Yrs)
Unsecured£7,500£15,000
1
year
3
years
5.4%£7,500 to £15,000
Representative Example: The representative APR is 5.4% (fixed) so if you borrow £15,000 over 2 years at a rate of 5.4% p.a. (fixed) you will repay £659.89 per month & £15,837.36 in total.
Available to existing customers only.
Sainsbury's Bank
 
Shopper Reward Med Loan (4-5 Yrs)
Unsecured£7,500£15,000
4
years
5
years
5.5%£7,500 to £15,000
Representative Example: The representative APR is 5.5% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.5% p.a. (fixed) you will repay £347.93 per month & £16,700.64 in total.
Available to existing customers only.
The Co-operative Bank
 
Personal Loan (Privilege&Premier CA)
Unsecured£2,000£25,000
1
year
7
years
5.6%£7,500 to £14,950
Representative Example: The representative APR is 5.6% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.6% p.a. (fixed) you will repay £371.14 per month & £17,814.72 in total.
Available to existing customers only.
AA
Member Loans
Unsecured£2,000£25,000
1
year
5
years
5.7%£7,500 to £14,950
Representative Example: The representative APR is 5.7% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.7% p.a. (fixed) you will repay £374.42 per month & £17,972.16 in total.
Available to existing customers only.
Barclays
Barclayloan Plus (Ex/C) Branch
Unsecured£5,000£25,000
2
years
5
years
5.7%£7,500 to £25,000
Representative Example: The representative APR is 5.7% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.7% p.a. (fixed) you will repay £349.52 per month & £16,776.96 in total.
Available to existing customers only.
HSBC
Premier Loan
Unsecured£1,000£25,000
1
year
8
years
5.7%£7,000 to £25,000
Representative Example: The representative APR is 5.7% (fixed) so if you borrow £15,000 over 4 years at a rate of 5.7% p.a. (fixed) you will repay £352.09 per month & £16,900.32 in total.
Available to existing customers only.
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Unsecured Loans Explained

The basics of borrowing, with unsecured personal loans explained.

Unsecured personal loans can provide an accessible and affordable way of borrowing whether you want to buy a new car or plan the holiday of a lifetime. Unsecured loans let you do this without using your property to guarantee your repayments.

They are 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 can to tailor the amount you borrow, the loan period and consequently the monthly repayments to fit your income.

Consequently, if you plan your finances correctly and find the best unsecured personal loans, they can be used for anything from home improvements to buying a car; they can even used as unsecured debt consolidation loans.

Eligibility

There is a wide range of unsecured loan lenders on the market, each with different lending criteria and offering different interest rates. Loans unsecured on property are equally available to people who aren’t homeowners, as well as those that are.

The interest charged on your loan will depend on the amount you borrow (with larger amounts generally attracting a lower rate of interest), on the term of the loan and on your personal circumstances. If you have a good credit history you are likely to be eligible for the best unsecured loans and headline rates offered by providers, as they need surety that you will meet your repayments.

Otherwise unsecured loans can be a risky investment for loan providers, with no security in place to reclaim their funds if repayments aren’t met. Unsecured loans for bad credit do exist, albeit often attached to a much higher interest rate. If you have a poor credit history, simply filter results by those that accept applicants with bad credit, before you compare bad credit unsecured loans.

There are two main categories of unsecured loans:

Fixed personal loans

Fixed loans are the most common type of personal unsecured loans: 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.

Fixed interest rates mean your monthly repayments remain the same whether interest rates decrease or increase nationally.

Tools and tips

When comparing fixed unsecured loans online 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 companies’ typical APR; your repayments may be slightly higher depending on the interest rate offered and the size of your loan, with small unsecured loans sometimes attracting higher rates.

You should also compare cheap unsecured loans online based on whether they offer any repayment holidays during the term of the loan, or whether they impose any charges for early repayment if you feel either is likely to prove useful.

Flexible loans

Flexible loans are less common and are offered by fewer unsecured loan providers; they come in one of two formats.

They either allow you to specify a maximum borrowing amount but don’t require you to take all of the funds at once. Instead you only withdraw the amount that you need, and only pay interest on this amount. These types of loans are useful for long term, variable projects such as building work.

More commonly flexible unsecured loans will lend you a fixed amount upfront then give you the option to repay your borrowing early or make overpayments as you see fit, sometimes without penalty.

Flexible loans often stipulate a minimum amount to be repaid each month but accept greater repayments without charge. However, flexible loans usually charge higher interest rates.

Extras

Some unsecured loan providers offer optional payment protection insurance with their loans, designed to meet the loan repayments on your behalf if you are unable to due to sickness or unemployment. These plans have been mis-sold in the past, so you should consider all of your options carefully.

PPI comes at an additional cost but can be worthwhile – i.e. to provide you with peace of mind when borrowing larger amounts. However, it is important to ask yourself, Do You Really Need Payment Protection Insurance?

How to get the cheapest unsecured loans

By comparing the monthly repayments, additional features and charges offered by different unsecured loan providers you can find the best unsecured personal loan for your finances.

Make sure you prioritise your needs: cheap interest rates are important but you may decide that repayment holidays or other clauses are worth paying a little extra for, depending on your circumstances.

Some unsecured loans UK consumers can choose from are offered through an unsecured loan broker, with others offered online – so you should make sure you are happy with how you will need to arrange and manage the loan, before taking it out.

By taking into account all of these factors, 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 even if you have a history of poor credit.

If you have a bad credit history, for example, you may be able to get an unsecured loan by nominating a homeowner guarantor. However, those with a very poor credit history who have been refused unsecured borrowing may find that a secured loan comparison gives them more options for borrowing.

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