Compare £20,000 Unsecured Loans

  • Compare interest rates and term lengths for £20000 unsecured personal loans
  • Check loan details and eligibility requirements carefully 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 5.9% p.a. with a Representative 5.9% APR, based on borrowing £10000 and repaying this over 36 monthly payments. Monthly repayment is £303.07 with a total amount repayable of £10910.52 which includes the total interest payable of £910.52.
  • M&S Bank logo

    M&S Bank

    • Representative APR
      2.9% APR (£7,500 to £20,000)
    • 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
  • Nationwide  logo

    Nationwide

    • Existing Nationwide members only
    • Representative APR
      3.0% 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
  • Tesco Bank logo

    Tesco Bank

    • 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 Loans - Offer: breakdown cover from just £15* logo
    Broker

    AA Loans - Offer: breakdown cover from just £15*

    • 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

    • *As a new loans customer, you can get AA Vehicle Roadside Assistance from just £15 for a year. Offer ends 31st July 2019.
    • 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

    • 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
    • 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
    • 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
    • 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.
  • Zopa logo

    Zopa

    • Representative APR
      3.9% 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)
  • RateSetter logo

    RateSetter

    • 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
  • Norton Finance logo
    Broker

    Norton Finance

    • 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
  • Aspire Money logo
    Broker

    Aspire Money

    • 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
  • Click Finance logo
    Broker

    Click Finance

    • 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
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.

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 comparison service features a selection of providers from whom we receive commission.
This table is ordered by Representative APR.

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£20,000 Unsecured Loans FAQ

What is a £20,000 unsecured loan?

Is £20,000 too much to ask for as an unsecured loan?

Does an unsecured loan require collateral?

Does my credit score affect who will lend to me?

Will a bad credit score make a £20,000 unsecured loan less likely?

What if I wish to make repayments over a longer time?

What if I want to repay my £20,000 unsecured loan sooner?

How does failure to repay a £20,000 unsecured loan damage my credit score?