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  • Compare interest rates, loan amounts and term lengths across a range of loan types
  • Check ‘more info’ for eligibility requirements before you apply
Citrus Loans Prime
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Citrus Loans Prime

  • Must have excellent credit rating
  • Rates from 5.9% APR
  • Citrus Loans, credit broker not a lender
  • Get a personalised quote based on your circumstances
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Representative Example: Annual Interest Rate (fixed) is 9.9% p.a. with a Representative 9.9% APR, based on borrowing £15000 and repaying this over 36 monthly payments. Monthly repayment is £480.34 with a total amount repayable of £17292.24 which includes the total interest payable of £2292.24. Maximum APR: 49.9%.
  • Tesco Bank logo

    Tesco Bank

    • Loan Type
      Unsecured
    • Representative APR
      2.9% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £35,000
    • Min / Max Terms
      1 to 10 years

    Eligibility Criteria

    • 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
    • Rate shown is only available on terms of 1 to 5 years
  • Nationwide  logo

    Nationwide

    • Existing Nationwide members only
    • Loan Type
      Unsecured
    • Representative APR
      2.9% APR (£7,500 to £25,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must hold a mortgage, savings or main current account with Nationwide
    • 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
  • M&S Bank logo

    M&S Bank

    • Loan Type
      Unsecured
    • Representative APR
      3.0% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must be over 18
    • Must be a UK resident
    • Must have an annual income of at least £10,000
  • AA Loans logo
    Broker

    AA Loans

    • Loan Type
      Unsecured
    • Representative APR
      3.1% APR (£15,001 to £25,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must have been a UK resident for at least 3 years
    • Must be over 21 and no older than 70 when the loan term ends
    • Must have a regular income above £12,000 a year. If self-employed, you must have been so for over 2 years
    • Must have a good credit rating without a history of CCJs or bankruptcy
    • Must have a UK based bank or building society account that can pay direct debits
    • Must ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit
  • Post Office Money logo
    Broker

    Post Office Money

    • Loan Type
      Unsecured
    • Representative APR
      3.1% APR (£15,001 - £25,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must have been a UK resident for at least 3 years
    • Must be over 21 and no older than 70 when the loan term ends
    • Must be employed with a salary of £12,000 or over. If self employed you must have been so for over 2 years
    • Must have a good credit rating without a history of County Court Judgments or bankruptcy
    • Must have a UK based bank account or building society account that can pay direct debits
    • Must be able to afford the monthly repayments as missed payments could have severe consequences on obtaining future credit
  • first direct logo

    first direct

    • Existing first direct current account holders only
    • Loan Type
      Unsecured
    • Representative APR
      3.3% APR (£7,000 to £30,000)
    • Available Amounts
      £1,000 to £50,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Exclusively available to first direct current account holders
    • Must be 18 or over
    • Credit is subject to status
  • NatWest logo

    NatWest

    • Existing NatWest customers only
    • Loan Type
      Unsecured
    • Representative APR
      3.4% APR (£7,500 to £19,950)
    • Available Amounts
      £1,000 to £50,000
    • Min / Max Terms
      2 to 8 years

    Eligibility Criteria

    • Must be over 18
    • Must be a UK resident
    • Must have 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.
  • Royal Bank of Scotland logo

    Royal Bank of Scotland

    • Existing RBS customers only
    • Loan Type
      Unsecured
    • Representative APR
      3.4% APR (£7,500 to £19,950)
    • Available Amounts
      £1,000 to £50,000
    • Min / Max Terms
      2 to 8 years

    Eligibility Criteria

    • Must be over 18
    • Must be a UK resident
    • Must have 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.
  • Ikano Bank logo

    Ikano Bank

    • Loan Type
      Unsecured
    • Representative APR
      5.9% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £15,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • 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
  • RateSetter logo
    Peer To Peer

    RateSetter

    • Loan Type
      Unsecured
    • Representative APR
      6.9% APR (£5,000 to £24,000)
    • Available Amounts
      £3,000 to £24,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be over 21
    • Must hold a UK bank or building society account
    • Must have been a UK resident for a minimum of 3 years
    • Must have a regular source of income
    • Must have a good credit history
  • Citrus Loans Prime logo
    Broker

    Citrus Loans Prime

    • Loan Type
      Unsecured
    • Representative APR
      9.9% APR (£7,500 to £15,000)
    • Available Amounts
      £2,500 to £15,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be over 23 years of age
    • Must be employed
    • Must earn over £15,000 per annum
    • Must be on the electoral register
    • Must have an excellent credit rating
    • Must have no missed credit payments
    • No CCJs or defaults
    • The interest rate that you may qualify for, may vary due to your personal circumstances and the loan amount
  • Norton Finance - For homeowners only logo
    Broker

    Norton Finance - For homeowners only

    • Only available to homeowners
    • Loan Type
      Unsecured
    • Representative APR
      15.4% APR
    • Available Amounts
      £3,000 to £25,000
    • Min / Max Terms
      1 to 25 years

    Eligibility Criteria

    • Must be aged 18 to 80
    • Must be a homeowner
    • Must have a minimum income of £7,500 per year from employment, pension or benefits
  • Freedom Finance logo
    Broker

    Freedom Finance

    • Loan Type
      Unsecured
    • Representative APR
      15.9% APR
    • Available Amounts
      £500 to £25,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must be aged 18 years or over
    • Must be a UK resident
    • Interest rates are dependent on your individual credit score
  • Aspire Money logo
    Broker

    Aspire Money

    • Loan Type
      Unsecured
    • Representative APR
      31.9% APR (£10,001 to £25,000)
    • Available Amounts
      £500 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Over 18s only
    • UK residents only
    • Must be full time employed
    • Must be earning over £1,200
    • Interest rates may vary due to your circumstances and loan amount required
  • UK Credit Guarantor Loan logo

    UK Credit Guarantor Loan

    • Guarantor must be a homeowner
    • Loan Type
      Guarantor
    • Representative APR
      39.9% APR (£4,000 - £6,999)
    • Available Amounts
      £2,000 to £15,000
    • Min / Max Terms
      18 months to 5 years

    Eligibility Criteria

    • Must be aged 18 to 70
    • Must be a UK resident
    • Must not be recently bankrupt, in an IVA or a Debt Management Plan
  • Click Finance logo
    Broker

    Click Finance

    • Loan Type
      Unsecured
    • Representative APR
      49.9% APR
    • Available Amounts
      £1,000 to £35,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 18 to 70
    • Must be a UK resident
    • Must have a minimum monthly income of £800
    • Must not be subject to an IVA or bankruptcy order
  • Amigo Guarantor Loan logo

    Amigo Guarantor Loan

    • Loan Type
      Guarantor
    • Representative APR
      49.9% APR (variable)
    • Available Amounts
      £500 to £10,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 18-75
    • Must be a UK resident
    • Must not be on an active bankruptcy, IVA or equivalent
  • UK Credit Guarantor Loan logo

    UK Credit Guarantor Loan

    • Guarantor must be a tenant
    • Loan Type
      Guarantor
    • Representative APR
      53.9% APR (£4,000 - £5,999)
    • Available Amounts
      £2,000 to £6,000
    • Min / Max Terms
      18 months to 5 years

    Eligibility Criteria

    • Must be aged 18 to 70
    • Must be a UK resident with a bank account
    • Must be employed, self-employed, retired or on certain benefits
    • Must not currently be in an IVA or DMP nor currently bankrupt
  • SafetyNet Credit Facility logo

    SafetyNet Credit Facility

    • Loan Type
      Short Term
    • Representative APR
      68.7% APR
    • Available Amounts
      £100 to £500
    • Min / Max Terms
      No min or max term

    Eligibility Criteria

    • Must be aged 18 or over
    • UK residents only
    • Must be in full-time or part-time employment or self-employed
    • Minimum monthly income of £750
    • Must have debit card and bank account into which salary is paid
    • Must have a mobile phone and email address
    • Bankruptcy, IVA or equivalents not accepted
    • CCJs accepted
    • Customers must submit bank account login details to apply for a loan
Our comparison service features a selection of providers from whom we receive commission.
This table is ordered by Representative APR.

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How to Choose a Loan

Although some lenders have become strict about who they lend to since the economic crash, the rise of alternative lenders has offset this a little. It’s true that the very best interest rates are still reserved for those with a good credit record, but even those who have struggled with repaying loans in the past might find they can secure a loan with an online lender.

However, just because you can get a loan doesn’t necessarily mean you should as borrowing always comes at a cost. Remember that defaulting on a secured loan could mean losing your home.

Choosing the right loan is about finding an option that offers you the amount you need with a repayment plan you can afford. If you can find these elements wrapped up in a deal you may have just found the right loan for you.

The main types of loan – secured and unsecured

  • Secured loans: Secured loans are offered in exchange for security, usually in the form of a property or a similar high-value asset. Most secured loans are only an option to borrowers who own their homes. Although rates tend to be lower and loan amounts tend to be much larger, opting for a secured loan comes with major risks. If you fail to keep up with your repayments, the lender can force the sale of your home in order to repay the debt.

  • Unsecured loans: Unsecured loans are a much more popular option for more casual personal loan customers. While secured lenders can offer hundreds of thousands of pounds to homeowners, repayable over a number of years; unsecured loans are usually for up to around £20,000 and are repayable over a number of months, or around about 5 years. Interest rates payable on unsecured loans are often higher than for secured loans, and credit and affordability checks can be tougher.

Common types of Secured Loan

  • Homeowner loans: This is the most common form of secured personal loan. They are available only to homeowners who are willing to put the equity they have in their home forward as security for their loan.

  • Car finance loans: Taking out a loan against the value of your car when you buy a new or used vehicle is commonplace. There are various types of car finance deal, but each usually uses the car’s value as security.

  • Debt consolidation loans: Some specialist debt consolidation loans are secured against property or major assets.

  • Bridging loans: These loans are often used when purchasing homes as a means of bridging the gap around mortgages being agreed, for example They are usually secured against your home.

Common types of unsecured loan

  • Standard personal bank loan: Bank loans are often offered based on your credit record and other factors such as your employment status and income.

  • Personal loans with alternative lenders: Alternative lenders, such as online-only banks now offer personal loans. The amount you are offered and the term available will depend on your credit score and affordability checks amongst others.

  • Peer-to-peer loans: Arranged through online peer-to-peer platforms, these involve members of the public lending to others who need access to funds.

  • Short-term loans: Short-term loans are personal loans offered over short periods of time: usually up to around a year. Loan amounts and terms are limited and interest rates can be high.

  • Payday loans: Payday loan are extremely short-term loans, which are repayable, usually in one single payment, within days of taking the loan out. High interest rates are commonplace.

  • Guarantor loans: Guarantor loans can be offered to those with poor credit ratings who have a loved one who will commit to repaying a loan if the borrower is unable.

Deciding which loan is right for you

Once you’ve decided that you would like to take out a loan, you’ll need to begin by asking yourself several fundamental questions.

  1. How much do I need to borrow?
  2. How much can I afford to repay each month?
  3. Am I comfortable risking my property?

Once you have the answers to these questions, you are halfway there. Check our FAQs for more important areas to consider

Choosing a loan FAQs

How do I know how much a loan costs?

What are the lending criteria for loans?

Are payday loans risky?

Is there such a thing as a bad credit loan?

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