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Compare Unsecured Loans

  • Unsecured loans can be used to borrow up to £50,000 over a number of years
  • Protect your credit file and see which loans you qualify for by using our partner's soft search eligibility service, just click Check Eligibility*
  • Or you can use Apply Now buttons below to go direct to the provider, remembering to check loan details and more info carefully before you apply
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Find out in minutes which loans you qualify for with Freedom Finance

  1. 1 Check your eligibility without harming your credit score
  2. 2 Choose from pre-approved loan offers
  3. 3 Apply direct to lender
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This service is provided by Freedom Finance, checking your eligibility against their panel of lenders using a soft credit search*
18 products found
  • Tesco Bank Personal Loan logo

    Tesco Bank Personal Loan

    • Representative APR
      2.9% APR (£7,500 to £25,000)
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 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 3 years
  • AA Personal Loan - Breakdown Cover included* logo
    Broker

    AA Personal Loan - Breakdown Cover included*

    • Representative APR
      3.4% APR (£7,500 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
    • *As an AA loans customer you'll get 12 months Basic Breakdown Cover included at no extra cost, or an add-on if you're already a Member.
  • Post Office Money Personal Loan logo
    Broker

    Post Office Money Personal Loan

    • Representative APR
      8.9% APR
    • 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
    • Must have a good credit rating without a history of County Court Judgements or bankruptcy
    • Must have a UK based bank account or building society account that can pay direct debits
    • Must be able to meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit
  • Hastings Personal Loan logo

    Hastings Personal Loan

    • Powered by Freedom Finance
    • Representative APR
      10.9% APR
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be permanent UK resident
    • Must have a current Bank or Building Society Account
    • Must be in permanent paid employment
    • No current bankruptcies
    • No current debt management arrangements
    • No active IVAs
  • Shawbrook Personal Loan logo

    Shawbrook Personal Loan

    • Powered by Freedom Finance
    • Representative APR
      14.9% APR
    • Available Amounts
      £1,000 - £35,000
    • Min / Max Terms
      1 to 7 years

    Eligibility Criteria

    • Must have been a permanent resident of the UK for at least 12 months
    • Must be aged 21 or over (at start of the loan)
    • Must have a current bank or building society account
    • No bankruptcies, CCJ's, or active IVAs
    • Must not be unemployed
    • Must have a good credit history
    • Not available for the following loan purposes: bridging loan, business vehicle, business loan, holiday home, investment, mobile home, property purchase, income tax bill
  • Norton Finance Personal Loan - For homeowners only logo
    Broker

    Norton Finance Personal Loan - For homeowners only

    • Only available to homeowners
    • 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

    • 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
  • My Community Finance Personal Loan logo

    My Community Finance Personal Loan

    • Powered by Freedom Finance
    • Representative APR
      23.9% APR
    • Available Amounts
      £1,500 to £25,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 21 or over at the start of the loan
    • Must be a Permanent Resident of the UK (excludes NI, Channel Islands, Isle of Man)
    • Must have a current bank or building society account
    • Must earn at least £18,000 from employed or self-employed income
    • No current debt management arrangements, active IVA's, or bankruptcies
  • KOYO Personal Loan logo

    KOYO Personal Loan

    • Powered by Freedom Finance
    • Representative APR
      27% APR
    • Available Amounts
      £1,000 - £3,000
    • Min / Max Terms
      6 months to 3 years

    Eligibility Criteria

    • Must be a permanent resident of the UK for at least 12 months (Not IOM or Channel Islands)
    • Must be aged 20 or over (at start of the loan)
    • Must have a current bank or building society account
    • No current bankruptcies, CCJ's, or active IVAs
    • Must not be unemployed
  • Lendable Personal Loan logo

    Lendable Personal Loan

    • Powered by Freedom Finance
    • Representative APR
      27.9% APR
    • Available Amounts
      £1,000 to £10,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged between 18-70 (at time of application)
    • Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
    • Have a net monthly income of £800+
    • Must not be unemployed
    • Bankruptcies, active CCJs and IVAs not accepted
  • Oplo Personal Loan logo

    Oplo Personal Loan

    • Powered by Freedom Finance
    • Only available to homeowners
    • Representative APR
      30.8% APR
    • Available Amounts
      £2,000 to £15,000
    • Min / Max Terms
      2 to 6 years

    Eligibility Criteria

    • Must be a homeowner
    • Must be aged 21 or over at the start of the loan
    • Must be a UK resident (excluding the Channel Islands and Isle of Man)
    • Must have a current bank account or building society account
    • Must be in permanent paid employment
    • Must not be currently bankrupt or in an IVA or debt management arrangement
  • Guarantor My Loan logo

    Guarantor My Loan

    • Powered by Freedom Finance
    • Guarantor
    • Representative APR
      48.9% APR
    • Available Amounts
      £1,000 to £10,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be aged 21-75
    • Must be a UK resident
    • Must not be on an active bankruptcy, IVA or equivalent
  • George Banco Guarantor Loan logo

    George Banco Guarantor Loan

    • Powered by Freedom Finance
    • Guarantor
    • Representative APR
      49.7% APR
    • Available Amounts
      £1,000 to £15,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Must be a UK resident (excludes Isle of Man and Channel Islands)
    • Must have a UK bank account
    • Must be aged 21 or over
    • Must have a UK bank account with a valid UK debit card
    • Must have a minimum income after tax of £1,000 pcm (not furloughed)
    • Must not be subject to a current Individual voluntary arrangement (IVA) or bankruptcy order
    • Guarantor must live in the UK with provable income, a UK bank account and no current bankruptcies or active IV's.
  • Aspire Money Personal Loan logo
    Broker

    Aspire Money Personal Loan

    • Representative APR
      49.9% APR (£500 to £10,000)
    • 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
  • Likely Loans Personal Loan logo

    Likely Loans Personal Loan

    • Powered by Freedom Finance
    • Representative APR
      59.9% APR
    • Available Amounts
      £500 - £5,000
    • Min / Max Terms
      1 to 3 years

    Eligibility Criteria

    • Must live in the UK (excluding the Channel Islands and Isle of Man)
    • Must be aged 18 or over at start of loan
    • No bankruptcies within last 12 months
    • Must have a UK Bank Account and Debit Card
    • Can be Tenant or Homeowner
    • Must be Employed or Self Employed
  • SafetyNet Credit Facility logo

    SafetyNet Credit Facility

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

    Eligibility Criteria

    • Must be a UK resident
    • Aged 18 or over
    • Monthly minimum income of £700
    • Full-time or part-time employment or self-employed
    • Must have internet banking log-in details
    • Must have debit card and bank account into which salary is paid
    • Must have a mobile phone and email address
    • Bankruptcy, IVA, CCJs or equivalents not accepted
  • Bamboo Personal Loan logo

    Bamboo Personal Loan

    • Powered by Freedom Finance
    • Representative APR
      69.9% APR
    • Available Amounts
      £1,000 to £8,000
    • Min / Max Terms
      1 to 5 years

    Eligibility Criteria

    • Be aged between 18 - 72 (at time of application)
    • Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
    • Have a net monthly income of £600+
    • Must not be unemployed, a full time student or on benefits
    • Must not be currently bankrupt or in an IVA
    • No CCJs or defaults in last 12 months
  • Everyday Loans Personal Loan logo

    Everyday Loans Personal Loan

    • Powered by Freedom Finance
    • Representative APR
      99.9% APR
    • Available Amounts
      £1,000 - £15,000
    • Min / Max Terms
      18 months - 5 years

    Eligibility Criteria

    • Must be permanent UK Resident for at least 12 months (Not IOM or Channel Islands)
    • Must be aged 18 or over (at start of the loan)
    • Must have a current Bank or Building Society Account
    • No current bankruptcies, CCJ's or IVAs
    • Must not be unemployed

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Our service is free of charge but we receive commissions from the providers we refer you to. This table is initially ordered by representative APR. You can use the options above the table to order it according to various criteria. You may be offered different rates depending on your personal credit rating.

Our comparison service features a selection of providers from whom we receive commission.

This table is ordered by Representative APR.

Eligibility Service:

*The loans eligibility service is provided by Freedom Finance. The data you supply and submit is used to retrieve loan quotes from Freedom's panel of lenders. By using their loans eligibility service you are agreeing to Freedom's terms and conditions and privacy policy which can be found at freedomfinance.co.uk

Freedom Finance is a trading style of Freedom Finance Limited who are authorised and regulated by the Financial Conduct Authority. Freedom Finance Limited. Registered Office. Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Registered in England & Wales 06297533. FCA No. 662079. VAT Registration Number 257 0001 44.

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How to Choose an Unsecured Loan

If you’re considering taking out an unsecured personal loan, you’re probably trying to decide which type is right for you. Although secured loans are an option for those who have equity in their home and are willing to use it as security, unsecured loans are more common and carry less risk to the borrower.

There are a number of different types of unsecured loan and loan amounts; terms and costs will differ from lender to lender. At Know Your Money, it’s our goal to keep consumers informed about their personal finances. We want to help you understand your options a little better that’s why we’ve created the unsecured loans comparison table and information guide below.

Choosing the right type of unsecured loan

Deciding that you want to take out an unsecured loan is the easy bit. With more choice than ever before for borrowers, navigating the marketplace can be slightly overwhelming. You’ve probably got questions like: what’s the best value loan? How much time do I need to repay the loan? And will I be eligible if I apply?

These are all very valid questions and they can all be answered with just a little research. Luckily there are some fantastic online research tools available to borrowers, and lenders must also stick to strict rules put in place to prevent borrowers taking loans that they can’t afford to repay.

Let’s start with learning a little about the main types of unsecured loan.

Remember that interest rates and lending criteria differs between lenders.

Types of unsecured loan

  • Personal bank loans: High street banks are still a major source of personal unsecured loans, but they tend to have strict lending criteria.

  • Personal loans with alternative lenders: Online-only challenger banks offer loans that sometimes have more flexible criteria and terms than traditional bank loans. You can sometimes secure a loan even with poor credit, if a lender will accept the assurances of a guarantor who will repay the debt if you are unable.

  • Short-term loans: If you need quick access to a relatively small amount of cash, a short-term loan may come in useful, although interest rates can be on the high side. Ultra-short-term loans, often known as payday loans, can come with very high interest rates and are usually repayable in a single payment.

  • Peer-to-peer: Peer-to-peer lenders are matched with borrowers through dedicated online platforms. Interest rates can be favourable, but lending criteria tends to be quite strict.

Comparing unsecured loans

Once you have a better understanding of the type of loan that will suit your requirements, it’s time to start comparing lenders to find a product that looks right for you. Finding the right loan is a case of identifying the choice which provides you with the right amount of money and has repayment terms which will suit you.

It’s about assessing your priorities. You may want to prioritise repaying your loan quickly to minimise the amount of interest you will end up paying on the whole debt. Alternatively, you might need to spread the repayments out over as long a timeframe as possible to make them more affordable, which can lead to a much lower monthly outlay, but will probably cost you more in interest in the long run.

A simple way to compare the cost of an unsecured loan, as a percentage of the total loan amount over the course of an entire year, is the annual percentage rate (APR). Lenders must display their APR by law but note that ‘representative APR’ means that around half of applicants were offered the interest rate displayed, and that you could pay more if your credit history isn’t strong enough.

Choosing an unsecured loan FAQs

What does unsecured loan mean?

How does an unsecured loan work?

What happens if I can’t repay my unsecured loan?

What can I use my unsecured loan for?

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