HSBC Personal Loan
PersonalBorrowers with excellent credit looking for larger loans (£7k+) at top-tier rates.
Among the lowest headline APRs on the market for larger loans. The 3.9% rate is genuinely competitive if you qualify.
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Oodle Car Finance
AutoThis 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.
Individuals with low credit scores seeking emergency funds who can afford high interest rates.
Lending Stream provides swift approvals, good option for those needing quick cash. However, the extremely high APRs can lead to significant repayment amounts, which may not suit everyone.
Homeowners planning renovations who want to spread cost over a longer period.
Strong option for home improvements with competitive rates and longer terms up to 10 years. Well-established in the UK retail finance space.
Tide Business Loans
BusinessBest for small businesses seeking fast access to capital.
Tide Business Loans provide quick approval times, making them for urgent funding needs. However, the minimum APR of 9.9% can be steep for long-term borrowing.
Everyday Loans for Imperfect Credit
PersonalThis service is best for individuals who need face-to-face support and have credit challenges, allowing them to borrow between £1,000 and £15,000.
Everyday Loans offers a viable option for those with less-than-perfect credit seeking personal loans. However, the high APR rates warrant careful consideration.
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.
Funding Circle Business Loans
BusinessIt'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.
Santander Personal Loan
PersonalIndividuals with high credit scores seeking a loan for purposes like home improvements or debt consolidation.
Santander's personal loans offer flexible terms with a competitive starting APR of 5.3%, although rates can reach up to 21.9%. This makes it a suitable option for those with good credit, but the high end of the APR range could deter borrowers with less favourable credit histories.
Zuto Car Finance
AutoBest 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.
iwoca Business Loans
BusinessThese 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.
Post Office Personal Loan
PersonalBorrowers who want a competitive rate from a trusted (if unexpected) brand.
Quietly competitive — often overlooked but rates are genuinely fair. Underwritten by Bank of Ireland, so it's solid.
This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.
Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.
Tesco Bank Personal Loans
PersonalBest suited for Tesco customers looking to earn Clubcard points while borrowing, with flexible repayment options.
Tesco Bank Personal Loans offer competitive rates for Clubcard members, making them a viable option for those seeking personal loans in the UK.
MotoNovo Finance
AutoBest for individuals seeking a reliable motor finance lender with a wide dealer network and competitive rates.
MotoNovo Finance is a solid choice for those looking for flexible car finance options with quick approvals.
Asda Money Personal Loans
PersonalThese loans are best for existing Asda Money customers looking for preferential rates and those with a good credit score seeking amounts between £1,000 and £25,000.
Asda Money offers personal loans with competitive rates, but the minimum credit score requirement may limit accessibility for some borrowers.
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.
Monzo Loan
PersonalExisting Monzo users who want money in their account within minutes, not days.
The fastest loan experience in the UK — genuinely instant if you're already a Monzo customer. But rates vary wildly based on your in-app credit score.
CarFinance 247
AutoThis service is best for those who need fast financing for a vehicle and have a clear repayment plan.
CarFinance 247 provides quick access to a wide range of auto loans, but high APRs may deter some borrowers.
Virgin Money Personal Loans
PersonalThese 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.