Compare personal loans

HSBC

HSBC Personal Loan for Debt Consolidation

HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.

A reliable high-street option with a competitive 6.5% representative APR and the ability to extend terms up to 96 months on larger loans, giving more breathing room on monthly payments.

Oodle Car Finance

Oodle Car Finance

This service is ideal for UK residents seeking flexible payment options on used cars, especially those who prefer a soft credit check.

Oodle Car Finance offers a straightforward approach to car finance, particularly for those with a decent credit history.

Loqbox

Loqbox Credit Builder

Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.

The gold standard for UK credit building — save money and build your score simultaneously.

Lending Stream

Lending Stream Short-Term Loan

Individuals with low credit scores seeking emergency funds who can manage repayment within six months.

Lending Stream is ideal for those needing quick access to cash, but the exorbitant APRs can make borrowing expensive. It's borrowers who can repay in a short timeframe to avoid high interest.

iwoca

iwoca Business Loans

These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.

iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.

Foundation Home Loans

Foundation Home Loans BTL Mortgage

Professional landlords with complex property portfolios needing specialist underwriting through a broker

A strong intermediary-only BTL lender with deep specialist expertise, particularly good for complex landlord cases that high-street banks won't touch.

Lendable

Lendable Personal Loan

Ideal for those seeking quick access to funds and who may have building credit profiles.

Lendable offers a flexible personal loan option with competitive rates but potential drawbacks in interest rates for lower credit tiers.

Lloyds Bank

Lloyds Bank Debt Consolidation Loan

Borrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.

A solid high-street option with competitive rates starting at 3.9% representative APR and generous borrowing limits up to £50,000, backed by one of the UK most established banking brands.

Black Horse

Black Horse Car Finance

It's ideal for UK residents seeking flexible car finance options with quick dealership approvals.

Black Horse Car Finance offers a wide range of loan options, making it a strong contender for those looking to finance a vehicle.

Wollit

Wollit Credit Builder

Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.

Set-and-forget credit builder for renters — low cost, low effort, meaningful impact on thin credit files.

Funding Circle

Funding Circle Business Loans

It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.

Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.

Aldermore

Aldermore BTL Mortgage

Landlords who don't fit mainstream criteria and need a flexible challenger bank approach

A strong challenger bank that prides itself on finding ways to say yes. Aldermore's specialist BTL products work well for landlords who don't fit mainstream criteria.

Virgin Money

Virgin Money Personal Loans

These loans are best suited for individuals seeking a straightforward, online application process with no early repayment charges.

Virgin Money offers competitive personal loans with flexible terms, making them an appealing option for borrowers. However, potential applicants should ensure they meet the credit score requirements.

NatWest

NatWest Debt Consolidation Loan

Borrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.

One of the most competitive high-street options with a low representative APR of 3.9% and the highest maximum loan amount at £50,000.

Moneybarn

Moneybarn Car Finance for Poor Credit

Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.

Moneybarn provides a viable option for those with less-than-perfect credit looking for car finance. Their understanding of specialist lending can ease access for many drivers.

Creditspring

Creditspring Credit Builder Loan

People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.

Straightforward credit builder with predictable costs — good for rebuilding your score, not for cheap borrowing.

Fleet Mortgages

Fleet Mortgages BTL Mortgage

Landlords wanting a reliable BTL specialist with fast turnaround times and Starling Bank backing

A trusted BTL-only lender backed by Starling Bank, known for consistent decision-making and deep market knowledge. Strong choice for straightforward to moderately complex BTL cases.

Admiral

Admiral Personal Loan

Individuals with a stable income and a reasonable credit score seeking a personal loan for large expenses.

Admiral's personal loans feature a competitive representative APR of 12.9%, making them for those looking to borrow up to £40,000. However, be mindful of the higher rates that may apply based on individual credit assessments.

Halifax

Halifax Debt Consolidation Loan

Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.

A strong high-street option from the Lloyds Banking Group stable with competitive rates and high borrowing limits. Part of one of the UK largest banking groups.

Zuto

Zuto Car Finance

Best suited for UK residents looking for competitive rates on car loans with access to various lenders.

Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.