Compare Long Term Unsecured Loans

  • Most unsecured personal loans can be borrowed over 1-5 years but some lenders offer longer repayment periods
  • 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.
  • Tesco Bank logo

    Tesco Bank

    • Representative APR
      2.9% 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
    • Rate shown is only available on terms of 1 to 5 years
  • Nationwide  logo

    Nationwide

    • Existing Nationwide members only
    • 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

    • 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

    • 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

    • 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
  • Zopa logo
    Peer To Peer

    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)
  • Ikano Bank logo

    Ikano Bank

    • Representative APR
      4.9% 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
  • Citrus Loans Prime logo
    Broker

    Citrus Loans Prime

    • Representative APR
      5.9% 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
  • RateSetter logo
    Peer To Peer

    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 - For homeowners only logo
    Broker

    Norton Finance - 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
  • 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
  • Amigo Guarantor Loan logo

    Amigo Guarantor Loan

    • 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
  • 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 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 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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Long-Term Unsecured Loans FAQ

What are long-term unsecured loans?

How much will lenders let me borrow on a long-term unsecured loan?

Will a long-term unsecured loan suit me?

How would I repay a long-term unsecured loan?

Is a long-term unsecured loan expensive?

Will my credit score affect my chances of getting a long-term unsecured loan?

How do lenders handle failure to repay on long-term unsecured loans?

What penalties can result from failing to repay a long-term unsecured loan?

Is early payment allowed on long-term unsecured loans?

What is the benefit of early repayment on a long-term unsecured loan?

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