Top UK Personal Loan Deal

Great Personal Loan Rate from the Post Office

  • Rates from 3.3% APR* – £7,500 to £25,000
  • Loans available for 1 to 7 years
  • Borrow up to £25,000
  • No arrangement fees or hidden charges
  • Instant online decision
  • Funds transferred within 2 working days
  • No penalty for over payments
  • Good credit history only

Post Office Personal Loan »

*Representative for loans between £7,500 and £25,000

Homeowner Loans

Loan Type
Paragon Bank Homeowner Loan
APR/APRC
3.57% APR
Loan Term
5 to 25 Years
Borrow
£30,000 to £500,000
Special Features:  One of the cheapest homeowner loans in the UK!
Loan Type
Masthaven Homeowner Loan
APR/APRC
3.84% APR
Loan Term
3 to 25 Years
Borrow
£25,000 to £500,000

Raise capital for any purpose

e.g. home improvements, buy to let property purchase, school fees, business purposes, tax bill payment.

Loan Type
Optimum Credit Homeowner Secured Loan
APR/APRC
4.0% APR
Loan Term
3 to 35 Years
Borrow
£5,000 to £500,000
Special Features: Borrow up to 95% of your property value
Loan Type
Shawbrook Homeowner Loan
APR/APRC
3.9% APR
Loan Term
3 to 25 Years
Borrow
£25,000 to £500,000
Special Features: Complete flexibility – repay the loan in full at any time

Personal Loans

Loan Type
Post Office Personal Loan
APR/APRC
3.3% APR
Representative (£7,501-£25,000)
Loan Term
1 to 7 Years
Borrow

£1,000 to £25,000
Excellent Credit Only!

Representative Example:  The Representative APR is 3.3%. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.2% p.a. (fixed). Monthly repayment of £316.40. Total amount repayable £18,984.00.

Loan Type
AA Personal Loan
APR/APRC
3.1% APR
Representative (£15,001-£25,000)
Loan Term
1 to 7 Years
Borrow
£1,000 to £25,000

Representative Example:  The Representative APR is 3.1%. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.1% p.a. (fixed). Monthly repayment of £314.89. Total amount repayable £18,893.40.

Loan Type
Fluent Personal Loan
APR/APRC
14.9% APR
Representative (£1,500-£25,000)
Loan Term
1 to 5 Years
Borrow

£1,000 to £35,000
All credit profiles!

Call FREE on 0800 084 8039

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.

Are you an existing customer of one of the banks below?

If you are an existing customer a number of banks provide preferential deals for personal loans.

Selected Existing Customer Loan Deals

Loan Type
NatWest Personal Loan
APR/APRC
3.4% APR
Representative (£7,500-£19,950)
Loan Term
1 to 8 Years
Borrow
£1,000 to £50,000

Specific Eligibility Criteria Applies

To apply, you must be 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.

Representative Example: Borrow £7,500 over 5 years at a Representative APR of 3.40% APR (fixed) paying £135.93 per month will result in a total sum of £8,155.80 over the loan term.

Loan Type
Royal Bank of Scotland Personal Loan
APR/APRC
3.4% APR
Representative (£7,500-£19,950)
Loan Term
1 to 5 Years
Borrow
£1,000 to £50,000

Specific Eligibility Criteria Applies

To apply, you must be 18+ and a UK resident with either a Royal Bank of Scotland current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone

Representative Example: Borrow £7,500 over 5 years at a Representative APR of 3.40% APR (fixed) paying £135.93 per month will result in a total sum of £8,155.80 over the loan term.

How Much Can I Borrow?

How much you can borrow and over what term of repayment will depend on factors such as:

  • Whether you are a homeowner with a mortgage
  • Your credit status
  • Employment status
  • How long you have been in the UK
  • How much you earn.

Homeowner Loans

If you are a homeowner with a mortgage and you are looking to borrow in excess of £25,000 then a homeowner may be an option for you. A homeowner loan (also known as secured loans or second charge mortgages) are secured on your property behind your main mortgage. The term of loan can be typically anything from 3 to 30 years. In recent years the rates of interest on homeowner loans have become more aligned with the types of rate you can get on a personal loan.

Personal Loans

Personal loans are unsecured loans where a lender will base their decision to lend to you on the basis of your credit report. Loans can range from typically £1,000 to £25,000 with the best rates of interest usually banded between £7,500 to £25,000. The term of laon will normally range from 1 to 5 years. In some exceptions 7 year terms are possible.

Loan Service

Our Personal Loan Service

We work with award winning loan technology provider Monevo who help consumers find personal loans in the UK, USA and Australia.

With over £1 billion of loans funded, helping 250,000 people per month source personal loans, Monevo can help you find a loan from over 20+ providers.

Complete the loan platform form and in as little as 60 seconds and hit the get results button and let award winning technology search a panel of lenders and present you with the pre-approved* offers that are available to you in an easy to understand comparison.

You then simply choose the loan offer you want and complete your loan on the lenders website. With some lenders funds can be with you the same day.

Using clever technology  eligibility checks involve a soft pull of your credit so there is no impact on your score.

Personalised loan quotes in 2 minutes!

No impact on your credit score    FREE & no obligation    Quick online decision

Check your eligibility now »

Finding a loan for your personal circumstances couldn’t be simpler.

We have partnered with Monevo who have created award winning technology to provide you with pre-approved* offers that are available to you in an easy to understand comparison.

By checking your eligibility you can simply choose the offer you want and complete your loan with your chosen lender.

Search for market leading loans »

Great Personal Loan Rates From 3.1% APR

  • Instant Online Decision!
  • Check eligibility without affecting your credit rating
  • Borrow up to £25,000
  • One fixed monthly repayment

Search Personal Loan Offers »

Borrow from £25,000

  • Rates from 3.65% APR
  • Terms: 3 to 35 Years
  • Secured loans for any purpose
  • For homeowners with a mortgage

Call us on 0117 980 7743 

If you have a poor credit history or have been refused credit in the past getting a new car can be challenging.

Use our loan service – quick and easy online process to help you agree your budget, choose a new car & apply for finance.

More info

Alternatively if you prefer contacting lenders  directly see a selection of deals below.

Homeowner Loan Representative Example:

The Representative APRC is 5.9%Based on an assumed loan amount of £48,000 (including broker fee of £2,505 & product fee of £495) over 240 months at an interest rate of 5% (varaible). Monthly repayment £316.78 & total repayable £76,027.20.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE