Compare Loans

  • Compare interest rates, loan amounts and term lengths to find the cheapest loan for you.
  • Use our drop down box below to compare the various loan types available.
  • Read our handy guide to find out the basics about loans or the difference between loan types.

You are currently comparing ...

  • TSB

  • Loan Type
    Unsecured
  • Representative APR
    3.2% APR
    (£7,500 to £25,000)
  • Available Amounts
    £7,500 to £14,999
  • Min/Max Terms
    1 to 7 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • A personalised quotation without a credit footprint
    • Fast, secure and easy application
    • Flexible repayment options
    • Must be over 18
    • Must be a resident of the UK with no history of adverse credit
    • Must be a permanent paid employee, self-employed or retired with a pension
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  • Representative Example: If you borrow £7,500 for 60 months with monthly repayments of £137.71. The total amount payable will be £8,262.60 which is 3.88% interest per annum (fixed). The representative APR will be 3.2%.
  • Ikano Bank

  • Loan Type
    Unsecured
  • Representative APR
    3.2% APR
    (£7,500 to £15,000)
  • Available Amounts
    £1,000 to £15,000
  • Min/Max Terms
    1 to 5 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Swedish bank
    • Subject to limited regulation by the Financial Conduct Authority (FCA)
    • Instant personalised quote and apply in less than 10 minutes
    • Must be 18 or over
    • Must be a UK resident
    • Must have a minimum income of £10,000 a year
    • Must have a good credit history
    • Must have a UK bank account in your name which accepts Direct Debits
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  • Representative Example: Loan amount; £10,000, Term; 48 months, Monthly repayments; £222.02, Total amount repayable; £10,656.96, Cost of credit; £656.96, Interest rate (fixed); 3.2%, Representative 3.2% APR.
  • Zopa

  • Loan Type
    Unsecured
  • Representative APR
    3.3% APR
    (£7,500 to £15,000)
  • Available Amounts
    £1,000 to £25,000
  • Min/Max Terms
    1 to 5 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Zopa is a peer-to-peer lender
    • No early repayment fees (flexibility to repay loan early or make extra payments)
    • Voted most trusted loan provider (Moneywise Customer Service Awards 2010 to 2014)
    • Must be at least 20 years old
    • Must be a current UK resident with 3 years of address history in the UK
    • Must have credit history and a good track record of repaying debt
    • Minimum income of £12,000 per year (this could be a salary or pension)
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  • Representative Example: loan of £10,000 over 5 years will cost you £180.80 per month at a representative 3.3% APR. The total cost after 5 years is £10,848.30, which includes £788.30 interest at 3.0% fixed and a £60.00 fee. The total amount of credit is £10,060.
  • Tesco Bank Loan for Clubcard Customers

  • Loan Type
    Unsecured
  • Representative APR
    3.3% APR
    (£7,500 to £15,000)
  • Available Amounts
    £1,000 to £35,000
  • Min/Max Terms
    1 to 10 years
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  • Lender Details

    Application Criteria

    • 3.3% APR rate is for loan terms less than 8 years
    • Loan rate for Clubcard customers only
    • No arrangement fees
    • Full online application and decision
    • You can make overpayments without extra charge
    • An early repayment charge will apply if the loan is paid off in full
    • You must be aged between 18 and 74 throughout the term of the loan
    • You must have been a permanent UK resident for three years and have a UK personal current account
    • You must have a minimum annual income of £10,000
    • You must have a good credit rating
    • You must be a Clubcard customer and enter your Clubcard number when you apply
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  • Representative Example: If you borrow £10,000 over 5 years at a Representative rate of 3.3% APR and an annual interest rate of 3.3000% fixed you would pay £180.80 per month. Total charge for credit will be £848.00. The total amount repayable is 10,848.00.
  • M&S Bank

  • Loan Type
    Unsecured
  • Representative APR
    3.3% APR
    (£7,500 to £15,000)
  • Available Amounts
    £1,000 to £25,000
  • Min/Max Terms
    1 to 7 years
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  • Lender Details

    Application Criteria

    • Affordable monthly repayments - fixed for the life of the loan
    • Repayment holiday - option to defer repayments for the first 3 months
    • No hidden costs - no arrangement or set-up fees
    • Must be over 18
    • Must be a UK resident
    • Must have an annual income of at least £10,000
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  • Representative Example: The Representative APR is 3.3% APR (fixed) so if you borrow £7,500 over 3 years at a rate of 3.3% p.a (fixed) you will repay £218.93 per month & £7,881.48 in total.
  • HSBC

  • Loan Type
    Unsecured
  • Representative APR
    3.3% APR
    (£7,000 to £15,000)
  • Available Amounts
    £1,000 to £25,000
  • Min/Max Terms
    1 to 8 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Must have a bank or building society account with a Direct Debit facility
    • Must have an annual income/pension before tax of £10,000 or more
    • Personal loans quote tool
    • Must be a resident of the UK
    • Must be over 18
    • Credit subject to status
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  • Representative Example: The Representative APR is 3.3% APR (fixed) so if you borrow £7,500 over 1 years at a rate of 3.3% p.a (fixed) you will repay £636.39 per month & £7,632.73 in total.
  • Cahoot

  • Loan Type
    Unsecured
  • Representative APR
    3.4% APR
    (£7,500 to £20,000)
  • Available Amounts
    £1,000 to £20,000
  • Min/Max Terms
    1 to 5 years
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  • Lender Details

    Application Criteria

    • Provided by Santander UK plc
    • Flexible terms
    • One fixed monthly repayment
    • Quick decision
    • Must be aged 21 or over
    • Must be a permanent UK resident
    • Must have a regular income of at least £6,000 per annum
    • Must have been not declared bankrupt, had a CCJ or an IVA within the last 6 years
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  • Representative Example: If you borrow £10,000 for 60 months, you will repay a monthly amount of £181.41 which works out as a total repayment of £10,884.60. Rate of interest per annum (fixed) is 3.4%. Representative APR is 3.4%.
  • Tesco Loans for Non-Clubcard Customers

  • Loan Type
    Unsecured
  • Representative APR
    3.5% APR
    (£7,500 to £15,000)
  • Available Amounts
    £1,000 to £35,000
  • Min/Max Terms
    1 to 10 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • 3.5% APR rate is for loan terms less than 8 years
    • No arrangement fees
    • Full online application and decision
    • You can make overpayments without extra charge
    • An early repayment charge will apply if the loan is paid off in full
    • You must be aged between 18 and 74 throughout the term of the loan
    • You must have been a permanent UK resident for three years and have a UK personal current account
    • You must have a minimum annual income of £10,000
    • You must have a good credit rating
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  • Representative Example: If you borrow £10,000 over 5 years at a Representative rate of 3.5% APR and an annual interest rate of 3.4451% fixed you would pay £181.67 per month. Total charge for credit will be £900.20. The total amount repayable is £10,900.20.
  • Santander

  • Loan Type
    Unsecured
  • Representative APR
    3.6% APR
    (£7,500 to £20,000)
  • Available Amounts
    £1,000 to £20,000
  • Min/Max Terms
    1 to 5 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Flexible terms
    • One fixed monthly repayment
    • Quick decision
    • Must be aged 21 or over
    • Must be a permanent UK resident
    • Must have a regular income of at least £6,000 per annum
    • Must have been not declared bankrupt, had a CCJ or an IVA within the last 6 years
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  • Representative Example: If you borrow £10,000 for 60 months, you will repay a monthly amount of £182.28 which works out as a total repayment of £10,936.80. Rate of interest per annum (fixed) is 3.6%. Representative APR is 3.6%.
  • NatWest

  • Loan Type
    Unsecured
  • Representative APR
    3.9% APR
    (£7,500 to £25,000)
  • Available Amounts
    £1,000 to £25,000
  • Min/Max Terms
    1 to 7 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Product fees may apply
    • Must be over 18
    • Must be an existing NatWest current account holder
    • Must earn a regular income
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  • Representative Example: Borrowing £7,500.00 over 5 years at Representative 3.9% APR and Interest rate 3.90% p.a. (Fixed) will cost £137.55 per month, with a total amount payable of £8,253.00
  • RBS

  • Loan Type
    Unsecured
  • Representative APR
    3.9% APR
    (£7,500 to £25,000)
  • Available Amounts
    £1,000 to £25,000
  • Min/Max Terms
    1 to 7 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Product fees may apply
    • Must be over 18
    • Must be an existing RBS current account holder
    • Must earn a regular income
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  • Representative Example: Borrowing £7,500.00 over 5 years at Representative 3.9% APR and Interest rate 3.90% p.a. (Fixed) will cost £137.55 per month, with a total amount payable of £8,253.00
  • Nationwide

  • Loan Type
    Unsecured
  • Representative APR
    4.6% APR
    (£7,500 to £14,999)
  • Available Amounts
    £1,000 to £25,000
  • Min/Max Terms
    1 to 7 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
    • Must be aged 18 to 79
    • Must have the full right to live and work in the UK and will be a UK resident for the full length of the loan
    • Must have a minimum combined income of £700 per month (from earnings and/or a pension)
    • If self-employed, must be a homeowner and be able to supply 1 year's audited accounts
    • Must have a good credit history
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  • Representative Example: 4.6% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 4.6% p.a. (fixed). Monthly repayment £186.46. Total amount payable £11,187.60.
  • Clydesdale Bank

  • Loan Type
    Unsecured
  • Representative APR
    4.6% APR
    (£7,500 to £15,000)
  • Available Amounts
    £1,000 to £25,000
  • Min/Max Terms
    1 to 7 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Terms of over 5 years are only available online on loans of over £15,000
    • Must be over 18 if you are an existing Clydesdale Bank customer
    • Must be aged 23-74 with an annual income of £15,000 if you are a new customer
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  • Representative Example: On an assumed loan amount of £12,500 over 48 months. The rate of interest is 4.6% per annum (fixed). Total amount payable is £13,683.65 which is 47 monthly repayments of £285.08 and a final payment of £284.89. Representative 4.6% APR.
  • Yorkshire Bank

  • Loan Type
    Unsecured
  • Representative APR
    4.6% APR
    (£7,500 to £15,000)
  • Available Amounts
    £1,000 to £25,000
  • Min/Max Terms
    1 to 7 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Terms of over 5 years are only available online on loans of over £15,000
    • Must be over 18 if you are an existing Yorkshire Bank customer
    • Must be aged 23-74 with an annual income of £15,000 if you are a new customer
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  • Representative Example: On an assumed loan amount of £12,500 over 48 months. The rate of interest is 4.6% per annum (fixed). Total amount payable is £13,683.65 which is 47 monthly repayments of £285.08 and a final payment of £284.89. Representative 4.6% APR.
  • Moneyway

  • Loan Type
    Unsecured
  • Representative APR
    14.9% APR
    (£7,500 to £10,000)
  • Available Amounts
    £1,000 to £15,000
  • Min/Max Terms
    1 to 5 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Moneyway is a trading name of Secure Trust Bank PLC
    • Authorised and regulated by the Financial Conduct Authority (FCA)
    • Must be 21 or over
    • Must have a regular annual income of £10,000
    • Must be a UK resident
    • Credit Score must be over 350
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  • Representative Example: You could borrow £7,500 over 36 months with 36 monthly repayments of £256.22. The total amount repayable will be £9,223.92 at 14.9% APR representative, and an annual interest rate (fixed) 13.97%.
    Maximum APR: 45.9%
  • besavvi

  • Loan Type
    Unsecured
  • Representative APR
    17.9% APR
    (£5,000 to £10,000)
  • Available Amounts
    £2,000 to £10,000
  • Min/Max Terms
    2 to 5 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Fast and easy application, with instant decision to majority of applicants
    • Money in your account within 48 hours (excluding weekends)
    • Authorised and regulated by the Financial Conduct Authority.
    • Must be aged 21 or over
    • Must have a bank or building society account
    • Must be a permanent UK resident and been living in the UK for at least 12 months
    • Must be in permanent paid employment, self-employed or retired with a pension
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  • Representative Example: 17.9% APR Representative (fixed). Based on an assumed loan amount of £5,000 over 60 months at an interest rate of 17.9% p.a. (fixed). Monthly repayment £123.15. Total amount payable £7389.00
  • Broker
  • Citrus Loans

  • Loan Type
    Unsecured
  • Representative APR
    22.5% APR
  • Available Amounts
    £1,500 to £25,000
  • Min/Max Terms
    12 months to 10 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Loan brokering service
    • No fees
    • Quick decisions
    • Must be aged 18 to 65 years
    • Must be a UK resident
    • Must be full time employed
    • Must be earning over £1200
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  • Representative Example: If you borrow £3,000 over 2 years at a Representative APR of 22.5% and an annual interest rate of 20.5% (fixed) you would pay £153.38 per month. Total interest payable will be £681.05. Total amount repayable is £3,681.05.
    Maximum APR: 299%
  • 1st Stop Personal Loans

    Only available to homeowners
  • Loan Type
    Unsecured
  • Representative APR
    28.1% APR
  • Available Amounts
    £2,000 to £15,000
  • Min/Max Terms
    2 to 6 years
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  • Lender Details

    Application Criteria

    • Simple online application and decision
    • Poor credit history considered
    • Minimum income £15,000
    • Available to Homeowners only
    • Must be over 21 years of age
    • In employment for minimum of 6 months
    • Registered on the voters roll
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  • Representative Example: If you borrow £5,000 for 48 months term you will repay £165.73 per month. 12% (fixed) Interest Rate P.A, £375 Arrangement Fee. Total Interest Repayable £2955.04. Total Amount Repayable £7955.04. 28.1% representative APR. Maximum APR: 72%
  • Broker
  • Opal Loans

    Only available to homeowners
  • Loan Type
    Unsecured
  • Representative APR
    29.9% APR
    (variable)
  • Available Amounts
    £500 to £250,000
  • Min/Max Terms
    3 months to 10 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Loan brokering service
    • Quick decision
    • Must be 25 years or older
    • Must be employed to be considered
    • Earn a gross annual income greater than £15,000
    • Must be a UK homeowner.
    Visit Website
  • Representative Example: Borrow £7,000 and pay £283.70 a month for 36 months. The Total Interest Payable is £3,213.20. The Total Amount Payable is £10,213.20. Representative 29.9% APR (variable)
    Maximum APR: 299%
  • AvantCredit

  • Loan Type
    Unsecured
  • Representative APR
    39.5% APR
  • Available Amounts
    £1,000 to £20,000
  • Min/Max Terms
    1 to 5 years
  • Visit Website+ More Information
  • Lender Details

    Application Criteria

    • Must be aged 18 or over
    • Must be in full-time or part-time employment
    • Must have a bank account and debit card
    • CCJs not accepted
    • UK residents only
    • Minimum monthly income of £1,000
    • Must have a mobile phone and email address
    • Bankruptcy, IVA or equivalents not accepted
    Visit Website
  • Representative Example: The Representative APR is 39.5% APR (fixed) so if you borrow £3,000 over 3 years at a rate of 33.8% p.a (fixed) you will repay £134.86 per month & £4,854.94 in total
    Maximum APR: 48.3%
Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered by initial rate. You can use the options above the table to order it according to various criteria.

Find the Right Loan

If you're seeking a loan, you could be forgiven for feeling more than a bit daunted by all of the different options out there. Even after you've decided which type of loan you need - personal or business, secured or unsecured, short term or long term - there's still a huge number of different financial institutions out there offering deals. As well as the considerable number of traditional banks and building societies, we now have specialist on and offline providers, peer- to-peer lenders and pay day loan companies thrown into the mix.

With all of these choices - and the impossible task of checking around all of the different providers yourself for their latest product details and interest rates - it's possible to end up with a loan that's not right for your particular circumstances or to miss out on a great deal.

That's where Know Your Money comes in. Our comparison tables feature a top line assessment of some of the leading loan products available on the market today, with a range of terms, interest rates and loan types from both traditional and new lenders featured.