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Compare tenant loans

Compare these unsecured loans that are all available for tenants and choose one with a low APR to save money in interest.


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Compare personalised loans

See the exact amount you’ll need to pay each month. No estimates.


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You could get your money within hours. Complete your application on the lender’s website.

See the interest rate you’re eligible for before you apply

With real interest rates you'll see exactly how much you’ll need to pay each month. And which lenders will pre-approve your application before you apply.

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4 results found, sorted by lowest representative apr. How we order our comparisons.
RateSetter Personal Loan Semi Exclusive
Loan amount
£3,000 to £25,000
Representative APR
2.8% APR (£5,000 to £25,000)
Loan term
1 year to 5 years
Representative Example: Representative 2.8% APR fixed. Based on a loan of £5,000 and £179.5 arrangement fee for 60 months at 1.4% p.a. Total £5,364.60 repayable at £89.41 per month.
UK Resident
Minimum Age21 years
Minimum Income£12,000
Check my eligibility
Monevo Personal Loan
Loan amount
£1,000 to £35,000
Representative APR
10.6% APR (£15,000 to £19,999)
Loan term
1 year to 5 years
Monevo is a credit broker and not a lender.
Representative Example: The representative rate is 10.6% APR (fixed) so if you borrow £15,000 over 5 years at a rate of 10.6% p.a (fixed) you will repay £319.57 per month and £19,174.37 in total.
UK Resident
Maximum Age75 years
Minimum Age18 years
Minimum Income£7,000
Credit Rating Acceptedpoor
Everydayloans Personal Loan
Loan amount
£1,000 to £15,000
Representative APR
99.9% APR (£1,000 to £15,000)
Loan term
2 years to 5 years
No effect on your credit rating on initial application. No fees or charges. T&Cs apply.
Representative Example: The Representative APR is 99.9% APR (variable) so if you borrow £3,000 over 2 years at a rate of 71.3% p.a (variable) you will repay £238 per month & £5,706 in total.
UK Resident
Minimum Age21 years
Minimum Income£15,000
Credit Rating Acceptedpoor

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Powered by Monevo to show you real rates

Your personalised bad credit loan results are powered by Monevo. They make sure you only see real interest rates. Not just estimates like some lenders show you.

What are tenant loans?

These are personal loans you can get when you are renting a property.

Tenant loans are normally unsecured so you do not need to be a homeowner or use another asset as security to borrow the money.

Read more about how to choose the right type of loan

How to get the best tenant loan

The best loan for tenants is the one that offers the lowest interest rate for the money you need, and for the term you want to pay it back over.

This comparison shows the representative APR offered by each lender, but you may have to pay a higher rate depending on the loan you want or if you have bad credit.

To qualify for a lender's representative APR, you usually have to borrow a certain amount, for example, £5,000 to £14,999 over 1 to 3 years.

You can also apply for a tenant loan if you are self employed, but you need to have at least 1 year's audited accounts to prove your income.

What rate will you get?

The rate you get is based on:

  • The loan amount you want: This can affect the interest rate you get offered, as some lenders set borrowing tiers for their loan rates.

  • The length of the loan: A longer loan can reduce your monthly payments, but you could pay more in interest over the term.

  • Your credit record: A better credit history will improve your chances of getting the best rates offered by a lender.

To increase your chances of getting accepted for a loan as a tenant, register on the electoral roll for your address.

If you have bad credit, you could compare guarantor loans instead. You can apply for them with a friend or family member acting as a guarantor.

Here is how to apply for a loan

Tenant loans FAQs

You could, but being registered to vote at your address helps lenders confirm where you live. This increases your chance of getting accepted for a loan.

Yes, but you both need to pass the lender's loan criteria. Check your credit record and register at your address to improve your chances of acceptance.

You have to be at least 18 years old for most loans, but there is also an upper age cap which differs depending on the lender, e.g. 70 years old.

It stands for annual percentage rate, which is the interest you pay on the total value of your loan.

If you only need a small amount, you could consider any of these options.

Yes tenant loans can be used to consolidate other more expensive debts.

You can still apply for a loan if you rent a council house, but you will still need to pass the lender's loan criteria to be accepted.

About our loans comparison

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority. For more information you can also see how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.

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