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Personal loans - the best deals, the lowest rates & the most choice

Personal loans of up to £25,000 for any purpose

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Personal Loans

  • Loans up to £25,000
  • Tenants & Homeowners
  • Use for any purpose
  • Less than perfect credit
  • Free enquiry service

personal loan iconPersonal Loans

Borrow £1000 to £25,000 at historically low rates

Personal loans mean you can borrow up to £25,000 without providing any security or collateral. Nothing you own is put at risk.

The lending decision is based on your personal circumstances:

  • your credit rating - so what's in your credit file is important
  • the affordability of repayments - so your income and expenses are assessed

As a no fee loan broker we can probably find you a number of loan deals that meet your needs.

Best Loan Rates & Deals:

  • Rates start at 4%
  • All credit ratings welcome
  • Non-Homeowners & Homeowners welcome
  • 100% online service
  • Instant lending decisions
  • Representative APR 14.2%

Use our free enquiry service to help find the right loan for you.

Best Personal Loan Lenders

When you use our free broker service we'll show your enquiry to the relevant lenders in our panel and instantly tell you which are interested in lending to you in principle.

Lenders may conduct soft search and so be able to give you a tailored quotation while some will use other criteria to decide if they want to make an in-principle offer (in which case we'll show you their representative deal). You can compare deals to decide which is the best loan for your needs. Many lenders now allow you to complete applications 100% online.

Low Interest Rates

For people with clean credit interest rates have never been lower. But even for those with some form of credit problem there are numerous lenders who could help and by getting them to compete for your business you can still get a competitive deal.

Lenders who tailor interest rates for the applicant's particular credit history will be particularly useful to people with modest credit problems. For those with larger credit problems rates will be higher and sometimes lenders who offer a single rate may be the most competitive. It's also worth considering the merit of a guarantor loan in such situations.

General Loan Criteria:

  • UK residents aged 18+
  • All credit ratings
  • Income required (but could be pension or benefits)
  • Repayments must be affordable
  • Don't have to be employed (self-employment is often acceptable)
  • No guarantor or cosigner typically required

Things to consider

  • Borrow only what you need
  • Repay as quickly as possible
  • Make sure you can afford the repayments
  • Be aware of interest rate bands - borrowing slightly more may reduce total costs
  • Pay off loan early if you can
  • Keep tabs on your credit file & know your credit score

Calculate Your Loan Repayments

All lenders will want to make sure that you can afford your loan repayments. To explore how loan amount and loan repayment period can...

  • impact on your monthly outgoings
  • influence the total amount you pay over the life of your loan can use our flexible loan calculator. It allows you to change these values for different types of loan and calculate "Monthly Repayments" and the "Total Repayable" based on the representative APR%.

The Problem with Bank Loans - Use Us Instead

In recent years High Street banks & other lenders have become:

  • very risk averse - so if you have had financial problems in the past it may prove difficult to get an unsecured loan at a reasonable rate even if you have a reliable income.
  • very competitive, but only for those with a great credit rating - it may sound incredible but loan interest rates are at a historic low.

We have lenders who:

  • offer rates as low, if not lower, than the banks and building societies
  • will work with applicants even if their creditworthiness is not 100%

So it makes sense to make an enquiry through us. You just might get a better rate and loan offers you'll never get from a bank. And we don't charge any fees!

Got a Question? We Can Answer It

Our most commonly asked questions are answered below - we also have a more detailed Q&A section.

How much should I borrow and for how long?

Lenders charge interest on the loan value for the period over which you agree to repay it. The less you borrow and the faster you repay it means the less interest you will pay in total. So, the best rule for loans is to only borrow as much as you really need, and then subject to your budget (i.e. what you can afford), repay it as quickly as you can. Our loan calculator can show you how the total amount repayable changes as you vary the loan amount and loan period.

We have lenders who can offer a wide ranges of loan values from £1,000 right up to £25,000 (£5,000, £10,000 and £15,000 are perhaps the values most frequently applied for by people).

Do you offer cheap personal loans?

Loan interest rates depend on a number of factors so it is hard to know in advance of applying whether you will find cheap loans, and "cheap" is a relative term. These factors include:

  • Your credit history and thus your credit score
  • Whether you are a homeowner or not, and if you can show 3 years of UK address history
  • The amount you want to borrow
  • The period you want to borrow for (e.g. short term to long term, which could be 5+ years)

The market is particularly competitive if you have a good credit history so there are low interest rates to be had. If you apply using our free service you'll be able to compare loan offers and see if any low rate loans are offered to you. With this in mind you'll find us really helpful brokers as we work with a wide range of lenders covering the full spectrum from perfect credit through to poor credit.

I've had financial problems. Can I still apply?

Yes. As we deal with a large number of different lenders and lending products there is a good chance that we will have a lender who can help you. If you feel that you have a particularly difficult set of financial problems to overcome then you could consider a guarantor loan. You can find out about these elsewhere on our site. But please remember that no loan is guaranteed.

Does it make sense to consolidate my other debts?

Take care when thinking about consolidating debt. Don't just consider the interest rate, but also the repayment period. If you are tempted to extend the repayment period to make paying off the debt more affordable think twice - making things more affordable in the short term may simply make the debt more expensive in the long term. Our loan calculator can help you work this out.

Should I consider using a credit card rather than a personal loan?

If you can get a 0% interest rate credit card that allows you up to 20 months to repay the amount you've spent without charging any interest then "yes"! Use the credit card but make sure you pay off the credit card debt within the allowable time, or transfer the debt to a new 0% card. However, credit limits on cards don't generally exceed £5000 so if you need to borrow more you should consider a personal loan.

Should I consider using a secured loan instead?

Not necessarily. Secured loans use your property as collateral so you need to be the home owner (with a mortgage). If you only want to borrow a small sum (say less than £5000) then a secured loan wouldn't be able to help. More often than not a secured loan is used when the borrower needs a large sum of money - the average sum borrowed is £25,000 - £30,000.

Do your loan options include peer to peer lenders?

Yes. Our service explores a wide spectrum of lending options. There are now a number of peer-to-peer lenders to choose from, but they each have different attitudes to risk. If you have a reasonable credit score and aren't requesting too large an amount then their loans can be very competitive. Their lending rates are driven strongly by credit scores - after all the money they are lending out is not theirs but another consumer's. They can't afford to be accused of lending irresponsibly.

Do I need a guarantor?

Loans with guarantors (or cosigners) are useful if your credit history is particularly tricky. We have a separate section of this website dedicated to guarantor loans. It explains when this type of loan might be worth considering. These days guarantors don't have to own their own home, and you can borrow up to £15,000. Guarantor loans have their place in market.

If you don't believe a guarantor loan would suit you then use our loan enquiry form. If you are still not sure what types of loan might suit you then use our Find a Loan tool.

Explainer video

All About Personal Loans

Representative Example

Loan Amount


Monthly Repayment


Loan Term

48 mnths

Total Repayment


Representative APR


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