Loan Deals

Compare Loans from 3.30%

ProviderLoan AmountCredit HistoryRates FromTerm 
£7,500 to £20,000Good Credit Only3.2%



1 to 5 YearsGet Quotes >
  • PERSONAL LOAN DEAL (unsecured)
  • One fixed monthly repayment: Know what you’re paying and when you’re paying it
  • Instant Online Decision
  • Must be aged 21
  • No CCJs or IVA in the last 6 years
  • Must have an annual income of over £6,000
  • Permanently resident in England, Wales, Scotland or Northern Ireland
  • Provided by Santander UK Plc

Representative Example: The Representative APR is 3.2%. Loan amount of £10,000 with a monthly repayment of £180.55 over a loan term of 60 months at a rate of interest per annum (fixed) of 3.2%. This is equivalent to 3.2% APR Representative. Total amount repayable is £10,833.

£1,000 to £35,000Good Credit Only3.3%



6 months to 5 yearsGet Quotes >
  • PERSONAL LOAN DEAL (unsecured)
  • Getting a quote will not impact your credit score
  • Instant Online Decision
  • Fast loan - Money in your bank in 1 working day
  • Good credit history required
  • Must be aged 21 and resident in the UK for 3 years
  • You hold a UK bank or building society account
  • Regular source of income

Representative Example: The Representative APR is 3.3% . Based on an assumed loan amount of £7,500 over 36 months at a fixed rate of 3.3% pa and a fee of £21 you will repay £219.58 per month. Total amount you repay £7,904.88.

£1,000 to £25,000Good Credit Only3.3%



1 year to 5 yearsGet Quotes >
  • Quote takes 3 minutes (Won't affect your credit score)
  • Money can be with you within 3 working days
  • Voted most trusted loan provider (Moneywise customer service awards 2010 - 2015)
  • Must be aged 18
  • UK Resident with a UK bank account

Representative Example: The Representative APR is 3.3%. A loan of £7,500 over 36 months at a fixed rate of 3.0% pa and a fee of £30 will cost £218.94 per month and a total amount repayable of £7,881.84.

£2,500 to £25,000Good Credit Only3.8%



2 years to 5 yearsGet Quotes >
  • 10 minute online quote, instant decision
  • Money can be with you within 48 hours
  • No arrangement, over payment or early repayment fees
  • Must be aged 21 or over
  • UK Resident with a UK bank account

Representative Example:  The Representative APR is 3.8%. A loan of £7,500 over 36 months at a fixed rate of 3.8% pa will cost £220.55 per month and a total amount repayable of £7,939.80.

£1,000 to £25,000All Credit Histories Considered14.9%


1 to 5 YearsGet Quotes >

Representative example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

£1,000 to £20,000All Credit Histories Considered48.2%


1 to 4 YearsGet Quotes >
  • Rebuild Your Credit
  • Interest rates start from 9.3% APR
  • Instant Online Decision using 'soft' credit searches (Won't affect your credit score)
  • Funds as soon as same day
  • No arrangement fees or early repayment charges
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 48.2% (fixed). If you borrow £3,000 over 3 years at a rate of 39.95% p.a (fixed) you will repay £142.86 per month & £5,143.07 in total.

£500 to £25,000All Credit Histories Considered49.90%


3 Months to 10 YearsGet Quotes >
  • Interest rates start from 6.4% APR
  • Loans for any purpose
  • Decisions within minutes
  • Accepted Rates Based on your personal circumstances
  • Loans for any purpose, decisions within minutes, 
  • Must be aged 18
  • Must be UK resident

The Representative Example: The Representative APR is 39.50% (variable).Borrow £3000 and pay £146.39 a month for 36 months. The Total Interest Payable is £2,270.04. The Total Amount Payable is £5,270.04.

£1,000 to £20,000All Credit Histories Considered99.90%


1 to 2 YearsGet Quotes >
  • Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application
  • Fixed monthly repayments
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 99.9% (fixed) - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.

Compare Loans

Loans can take different forms but typically a monetary loan is a type of debt where a borrower receives money from a lender on set repayment terms. The repayment terms will set out any interest to be charged and the timeframe for the loan to be repaid. According to HMRC “Central to the idea of a loan is that it involves one person (the creditor) agreeing to lend money to another (the debtor) in consideration of promise to repay that sum on demand or at some future point or on condition of some event happening. A loan usually, but not always involves the payment of interest by the debtor”.


Types of Loan

There are many different types of monetary loan and below we have outlined different ways you can borrow.


Most current accounts offer an overdraft facility which provides a way of borrowing within set parameters. An overdraft can be authorised or unauthorised. An authorised overdraft agreed with the bank in advance allows you to draw money on your current account up to agreed amount. A fee and set rate of interest may be charged on this borrowing. With an unauthorised overdraft the bank will charge significant fees and rate of interest. An overdraft facility can be withdrawn by the bank at any time. An overdraft is suitable for short term cash flow issues and is not a long term borrowing solution as the charges can be relatively high.

Unsecured Loans

Unsecured loans means that the lender relies on your promise to pay it back. As the lender requires no security they are taking a greater risk than say with a secured loan. In this respect lenders will often have strict lending requirements. These requirements may mean unsecured loan rates are only offered to those with good credit records; loans may be for shorter time periods and there may be inflexibility about repaying your loan off early. The maximum loan you can borrow will often be limited – while there is no set maximum many unsecured loan deals in the UK will offer up to £15,000 for a repayment term of no more than 10 years. Many lenders will only provide unsecured loans to homeowners. For lenders who are more flexible in their selection criteria expect to pay higher rates of interest.

Secured Loans

A secured loan is a loan which is tied to an asset e.g. your home and in the event of failure to keep up repayments a lender has the right to force the sale of the asset. A mortgage is an example of a secured loan. As the lender has the safety net of your asset as security interest rates are often lower than unsecured loans, and many lenders will allow you to repay the loan early without penalty although you should always check the small print carefully before you sign any loan agreement. Secured loans are suitable for larger amounts and longer repayment terms. Secured loan rates can vary significantly from one lender to the next so shop around or use a loan broker to help you get the best deal.

Bridging Loans

A bridging loan is a form of secured loan where the loan period is usually no longer than 9 to 12 months. Bridging loan finance is often used for short term funding requirements such as buying property at auctions, property development, breaking mortgage chains or buy to let purchases. This type of loan finance is typically for sums of £25,000 or more and the lender will normally require first charge over the asset being secured.


Other Types of Loan

Other types of loan which are not available on this website include:

Credit Union Loans

Credit Unions are mutual financial organisations run and owned by members for members. Credit Unions typically provide saving schemes for members but sometimes also offer loans to members. The APR on loans cannot exceed 26.80% by law. These schemes are regulated by the FSA.

Payday Loans

Payday loans are short term loans typically for 30 day terms, where small amounts can be borrowed in advance of your salary. This type of loan can provide a useful service for unexpected bills giving access to cash at short notice, but this type of borrowing is one of the most expensive. Late payment costs can be very high and so this type of borrowing should only be used as a last resort and only if you understand the costs and charges involved.

Logbook loans

A logbook loan is a loan secured on your car or other vehicle. As part of obtaining a loan you will be required to give your vehicle registration document over to the lender and sign a bill of sale document. The lender effectively becomes the owner of your car although you can use the car as long as the loan repayments are met. With this type of loan the APR will be high and if you fall behind on repayments your vehicle may be sold (the lender will not have to go to court to do this). With this type of loan you need to be very aware of your responsibilities under the agreement.


In these austere times many people are reverting to pawnbrokers to realise cash. This type of loan is provided in exchange for a valuable item. Normally you have approximately 6 months to repay the loan and any interest charged. If you cannot repay the loan by the deadline the pawnbroker may sell the item.


How Much Can You Borrow?

It is very important that when considering a loan you work out whether you will be able to repay it in the future. It is important that you do a proper budgeting exercise taking into account you incomings and outgoings taking into account the possibility of interest rises and increases in the cost of living as well as other factors such as the likelihood of losing your job or changes to your overall income e.g. if you start a family.


While there is a greater onus on lenders to lend responsibly you will ultimately need to consider what level of borrowing is appropriate for your circumstances. In assessing affordability lenders will take into account your income and outgoings and your current employment history. In calculating disposable income your total income will be taken into account less other debts you may have and living expenses. The lender considering your loan application will have their own method of assessing affordability but it makes sense to do your own budgeting calculations to ensure the monthly repayment requirement is well within your budget.


Credit Scoring

As part of the loan application process lenders in determining whether they will lend you the money you require will carry out a credit scoring exercise.

Each lender will have their own credit scoring process but will typically take into account the information you provide in the application as well as any existing information they may have about you and what information is contained in your credit report which is held by an external agency. In gathering all this information the lender will determine a points score which may or may not qualify you for the loan you have applied for. If the points score is not high enough you may be turned down for the loan; offered a smaller loan; or offered the loan but on higher interest terms. A number of credit agencies offer free credit reports for the first 30 days to encourage you to use their services.


In recent times lenders as part of the drive for more responsible lending will also look at the number of times you have applied for credit within set timescales.


Top 10 Loan Tips

1. Work out how much you can afford to borrow – It may take some time but work out your budget. What income do you have coming in and what are your outgoings. Factor in potential lifestyle changes and increases in the cost of living in determining what loan repayments you can afford.


2. Consider carefully the length of the credit agreement – the longer the loan period the more expensive the loan will be in total interest you will repay.


3. Do you know what your credit score is? This will affect your ability to get credit and the level of interest you might have to pay. If you check your credit report there may be details that you need to correct to ensure you are not overpaying on unnecessary interest charges.


4. When shopping around for low interest loan quotes make sure you ask the lender to register a “quotation search” on your credit report and not a “credit application search”. The former won’t hurt your credit score.


5. Research the different types of borrowing available to you. Some types of loan can be very expensive and may not be appropriate for your actual requirements.


6. In shopping around for credit you may wish to use a loan broker to help you search the market. Alternatively use our personal loan calculator to compare a selection of current loan deals.


7. All lenders have to tell you the APR before you sign a loan agreement. Generally the lower the APR the better so shop around to get the best loan deal.


8. Check with the lender or loan broker that the APR is fixed. If it is not and it is variable your repayments will fluctuate either up or down.


9. Check with the lender or loan broker if there are any charges not included in the APR. For example does the cost include loan payment protection insurance – if yes is this insurance required?


10. Ensure that the terms and conditions of the loan suit your situation e.g. can you pay the loan off early without charges? Compare loans from different loan companies and don't accept the first loan in principle agreement you are sent.