Compare Low APR Unsecured Loans

  • Compare our top 10 lowest APR unsecured loans below
  • 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
  • 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
  • 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
  • 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.
  • Ikano Bank logo

    Ikano Bank

    • Representative APR
      3.5% 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
  • 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)
  • 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
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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Low APR Unsecured Loans FAQ

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