Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

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Santander

Santander Personal Loan

APR 5.3–21.9%
Amount
£1k–£25k
Term
12–60 months
Approval
Same day

Best for: Existing Santander 1-2-3 World customers who want to keep banking under one roof.

Zuto

Zuto Car Finance

APR 8.9–49.9%
Amount
£1k–£75k
Term
24–60 months
Approval
Decision in 60 seconds

Best for: Best suited for UK residents looking for competitive rates on car loans with access to various lenders.

Asda Money

Asda Money Personal Loans

APR 6.9–19.9%
Amount
£500–£25k
Term
12–60 months

Best for: These loans are best for existing Asda Money customers looking for preferential rates and those with a good credit score seeking amounts between £1,000 and £25,000.

iwoca

iwoca Business Loans

APR 18.0–49.9%
Amount
£1k–£500k
Term
1–24 months

Best for: These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.

Close Brothers Motor Finance

Close Brothers Motor Finance

APR 5.9–24.9%
Amount
£4k–£100k
Term
12–60 months
Approval
Same day decision

Best for: This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.

Monzo

Monzo Loan

APR 5.1–30.5%
Amount
£500–£25k
Term
3–60 months
Approval
Instant

Best for: Existing Monzo users who want money in their account within minutes, not days.

Funding Circle

Funding Circle Business Loans

APR 6.9–29.9%
Amount
£10k–£500k
Term
72–72 months

Best for: It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.

Oodle Car Finance

Oodle Car Finance

APR 7.9–29.9%
Amount
£3k–£50k
Term
24–60 months
Approval
Instant decision

Best for: This service is ideal for UK residents seeking flexible payment options on used cars, especially those who prefer a soft credit check.

Nationwide

Nationwide Personal Loan

APR 5.5–19.9%
Amount
£1k–£25k
Term
12–60 months
Approval
Same day

Best for: People who prefer building societies over banks and value ethical lending practices.

MotoNovo Finance

MotoNovo Finance

APR 5.9–24.9%
Amount
£4k–£75k
Term
12–60 months
Approval
Same day decision

Best for: Best for individuals seeking a reliable motor finance lender with a wide dealer network and competitive rates.

NatWest

NatWest Personal Loan

APR 5.5–19.9%
Amount
£1k–£50k
Term
12–60 months
Approval
Minutes

Best for: People who might want to pay off their loan early without facing exit fees.

CarFinance 247

CarFinance 247

APR 8.9–47.0%
Amount
£1k–£50k
Term
12–60 months
Approval
Instant online

Best for: This service is best for those who need fast financing for a vehicle and have a clear repayment plan.

Zopa

Zopa Personal Loan

APR 5.9–34.9%
Amount
£1k–£35k
Term
12–60 months
Approval
Minutes

Best for: Tech-savvy borrowers who want a modern, fully online application with clear rate previews.

Black Horse

Black Horse Car Finance

APR 4.9–19.9%
Amount
£4k–£100k
Term
12–60 months
Approval
Same day via dealer

Best for: It's ideal for UK residents seeking flexible car finance options with quick dealership approvals.

Lendable

Lendable Personal Loan

APR 8.1–48.9%
Amount
£1k–£25k
Term
12–60 months

Best for: Ideal for those seeking quick access to funds and who may have building credit profiles.

Moneybarn

Moneybarn Car Finance for Poor Credit

APR 12.9–69.9%
Amount
£3k–£25k
Term
24–60 months
Approval
Same day decision

Best for: Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.

HSBC

HSBC Personal Loan

APR 3.9–21.9%
Amount
£1k–£25k
Term
12–60 months
Approval
Same day

Best for: Borrowers with excellent credit looking for larger loans (£7k+) at top-tier rates.