Compare Loans

  • Compare interest rates, loan amounts and term lengths to find the cheapest loan for you.
  • Read our handy guide to find out the basics about loans or the difference between loan types.
Promotion
Amigo Guarantor Loans
  • Representative 49.9% APR.
  • Borrow up to £10,000.
  • Fast payout – Get the money in 24 hours.
  • 'Best credit builder 2017' (Moneynet Award).
  • No hidden costs – No set up or early repayment fees.
  • M&S Bank logo

    M&S Bank

    • Loan Type
      Unsecured
    • Representative APR
      2.8% 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
  • Zopa logo

    Zopa

    • Loan Type
      Unsecured
    • Representative APR
      2.9% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • 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)
  • Tesco Bank logo

    Tesco Bank

    • Loan Type
      Unsecured
    • Representative APR
      3.0% APR (£7,500 to £25,000)
    • 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
  • AA Financial Services Limited logo
    Broker

    AA Financial Services Limited

    • 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

    • Have been a UK resident for at least 3 years
    • Are over 21 and no older than 70 when the loan term ends
    • Have a regular income above £12,000 a year. If self-employed, you must have been so for over 2 years
    • Have a good credit rating without a history of County Court Judgment or bankruptcy
    • Have a UK based bank or building society account that can pay direct debits
    • 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
  • first direct - Current account holders only logo

    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

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

    Eligibility Criteria

    • Must be over 18
    • Must be an existing NatWest current account holder
    • Must earn a regular income
  • Royal Bank of Scotland logo

    Royal Bank of Scotland

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

    Eligibility Criteria

    • Must be over 18
    • Must be an existing Royal Bank of Scotland current account holder
    • Must earn a regular income
  • Santander logo

    Santander

    • Loan Type
      Unsecured
    • Representative APR
      3.4% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £20,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • 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
  • Nationwide - Available to members only logo

    Nationwide - Available to members only

    • Loan Type
      Unsecured
    • Representative APR
      4.2% APR (£7,500 to £15,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • 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
  • Ikano Bank logo

    Ikano Bank

    • Loan Type
      Unsecured
    • Representative APR
      4.5% 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

    RateSetter

    • Loan Type
      Unsecured
    • Representative APR
      6.7% APR (£7,000 to £25,000)
    • Available Amounts
      £500 to £35,000
    • 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
  • Norton Finance - For homeowners only logo
    Broker

    Norton Finance - For homeowners only

    • Only available to homeowners
    • Loan Type
      Unsecured
    • Representative APR
      16.9% APR
    • Available Amounts
      £3,000 to £250,000
    • 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
  • Citrus Loans logo
    Broker

    Citrus Loans

    • Loan Type
      Unsecured
    • Representative APR
      18.9% APR (£10,000 - £12,999.99)
    • Available Amounts
      £1,500 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 18 to 65 years
    • Must be a UK resident
    • Must be full time employed
    • Must be earning over £1200
  • Opal Loans and Mortgages logo
    Broker

    Opal Loans and Mortgages

    • Loan Type
      Unsecured
    • Representative APR
      35.7% APR
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be 18 and 65 years old
    • Must be a UK resident
    • Must be employed
    • Must earn at least £800 per month
  • UK Credit Guarantor Loans logo

    UK Credit Guarantor Loans

    • Loan Type
      Guarantor
    • Representative APR
      39.9% APR
    • Available Amounts
      £1,000 to £10,000
    • Min / Max Terms
      1 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
  • Bamboo logo

    Bamboo

    • Loan Type
      Unsecured
    • Representative APR
      49.7% APR
    • Available Amounts
      £1,000 to £5,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged between 18 and 70
    • UK residents only
    • Must have a UK bank account
    • Must have a regular source of income
  • Aspire Money logo
    Broker

    Aspire Money

    • Loan Type
      Unsecured
    • Representative APR
      49.9% APR (£500 to £10,999)
    • Available Amounts
      £500 to £25,000
    • Min / Max Terms
      1 to 10 years

    Eligibility Criteria

    • Over 18s only
    • UK residents only
    • Must be full time employed
    • Must be earning over £1200
  • Amigo Guarantor Loans logo

    Amigo Guarantor Loans

    • 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
  • Juo Loans logo

    Juo Loans

    • Loan Type
      Guarantor
    • Representative APR
      49.9% APR
    • Available Amounts
      £1,000 to £3,000
    • Min / Max Terms
      1 to 3 years

    Eligibility Criteria

    • Aged between 18 and 65
    • Must live at a UK address and is not a resident of the Channel Islands
    • Must be full time or part time employed
    • Must be paid monthly or 4 weekly basis
  • Selfy Loans (Self-Employed Loans) logo

    Selfy Loans (Self-Employed Loans)

    • Loan Type
      Unsecured
    • Representative APR
      77.7% APR
    • Available Amounts
      £1,000 to £15,000
    • Min / Max Terms
      2 to 5 years

    Eligibility Criteria

    • Must be aged 23 to 75 years (sub-contractors minimum age 21 years)
    • Must have been self-employed for 2+ years
    • Must earn a minimum gross income of £15,000 per annum (Single or Joint); £10,000 for sub-contractors
    • No bankruptcy, Debt Management Arrangement or IVA
    • Must be able to prove 3 years address history via VR or documentation proving address.
  • Everyday Loans logo

    Everyday Loans

    • Loan Type
      Unsecured
    • Representative APR
      93.6% APR
    • Available Amounts
      £1,000 to £15,000
    • Min / Max Terms
      2 to 5 years

    Eligibility Criteria

    • Must be aged 18 years and older
    • 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 be able to afford the repayments and demonstrate a regular income
    • Homeowners, tenants and living with parent(s) customers are accepted
  • Juo Loans logo

    Juo Loans

    • Loan Type
      Unsecured
    • Representative APR
      99.9% APR
    • Available Amounts
      £1,000 to £3,000
    • Min / Max Terms
      1 to 3 years

    Eligibility Criteria

    • Must be aged 18 to 65 years
    • Must be a UK resident (not a resident of the Channel Islands)
    • Must be paid monthly or 4 weekly basis
    • Must have a UK bank account
Our comparison service features a selection of providers from whom we receive commission.
This table is ordered by Best Available Rate.

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Loans FAQ

Loans allow you to obtain finance for a variety of reasons by offering you a lump sum of money that you pay back over a pre-agreed term, with additional interest.

If you're over the age of 18, are a resident of the UK, and you aren't bankrupt, then you could be eligible to take out a loan. The type of loan that you apply for will depend on your circumstances, and your reasons for borrowing, while the terms you are offered may depend on your credit record.

What different types of loans are there?

There are many different loans available on the market today, each tailored to fit a particular set of circumstances.

Some of the loans you might choose from include:

  • Unsecured loans
  • Secured loans
  • Business loans
  • Guarantor loans
  • Bad credit loans

How do I apply for a loan?

Applying for a loan today is quite simple. Simply speak to the company you would like to take the loan out with, and they will provide you with the correct paperwork. Eligibility checkers online will give you an indication of your chances for success with any application.

What are the pros and cons of loans?

For a lot of people, at some point during their lives, a situation will arise in which loans become an essential part of paying for something crucial - like student education or a new car.

Loans are a very useful way to help you take the next step in your life financially - however, they can represent significant problems for your future if you take out a loan that you cannot afford to repay. Just make sure you never borrow more than you can afford to pay back.

What has an impact on interest rates?

Interest rates on all kinds of loans can vary across the market, but usually - the more you borrow, the lower the rate is. Some other circumstances that could impact your interest rate include:

  • The term you request for the loan
  • The value of unsecured and secured debt you already have
  • Your credit information and previous credit activity (over the last six years)
  • Your monthly income (and ability to repay the loan)
  • Whether you have an existing account with the bank, building society, or union offering the loan

What is a credit check?

Once you've chosen the kind of loan that you need, your lender will perform a credit check to assess how likely it is that you will be able to repay the money you borrow.

Credit checks involve finding out information about your financial history, such as whether you're prone to late payments, whether you've missed payments in the past, or whether any County Court Judgements have been made against you.

Your credit check could impact the amount you're allowed to borrow, and the terms of your loan (e.g. the interest rate could rise or fall).

What does APR mean?

When you're searching for a good loan deal, you'll need to consider APR - a term which stands for 'annual percentage rate'. This figure shows you the rate of interest that you'll need to pay across a year, taking into account fees such as admin and charges.

How do I find the cheapest loans?

The cheapest loans are often reserved for those with the highest credit scores. However, you can improve your chances of a better deal by shopping around to see which providers are offering the best terms and lowest APR.

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