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Cheap low cost unsecured loans

Find the cheapest unsecured loan for your credit rating

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Low Rate Loans

  • Start at 4.0% APR
  • For Tenants & Owners
  • All credit ratings considered
  • Rep. 14.2% APR
  • No Fee Broker Service

Cheap Unsecured Loans

Low Interest Rate Loans:

  • Rates start at 4.0%
  • Loans for every credit rating
  • Lenders will provide instant quotes to your enquiry
  • Same deals as going direct - Free service
  • Representative APR 14.2%

We can help you find the lowest rate unsecured loan for any given credit rating.

Make a simple enquiry to our free broker service and we'll tell you which lenders think they can lend to you. You can then compare deals to get the loan rate you want.

Loan rates will of course be partly dependent on your credit rating, but there is certainly virtue in shopping around.

Low Rate Unsecured Loans

The lowest rate loans are always reserved for those with the cleanest credit histories. We have lenders who work in this space although it possible that your local high street banks or building societies may offer the very best rates in this situation.

However, if you've accumulated a few credit problems in recent years then it's almost certain that we have a lender whose got a loan to suit your needs. Often the rate a lender charges will depend on how risky they judge your situation - the more risky the higher the APR%. But we also have lenders who have a simple "one price fits all" product and you may find these are the lowest rate loans if you have a particularly tricky credit file.

It is possible that an unsecured guarantor loan could help to reduce your loan cost - you may already be familiar with these, but if not then we have more information available about them.

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Unsecured Loans Repayment Calculator

You may find it helpful to use a loan calculator to explore:

  • what your monthly repayments might be
  • how monthly repayments vary by flexing either the loan amount or loan term
  • how the total cost of the loan might change by changing the loan period
  • how different types of loan (unsecured [personal], secured and guarantor) might affect what you pay

So, we've developed this repayment calculator to help you - be aware that as we don't know your particular credit history all the calculations are based on the representative APRs for the three loan products.

Calculate your loan repayments

This tool is for guidance ONLY. It is designed to help you estimate loan repayments. It uses the representative APR of each product. Lenders have a duty to conduct affordability checks when you apply for a loan.
Representative example: Borrow £9,000 over 48 months. Repay £246.84 per month. Total charge for credit will be £2,848.42. Total amount repayable is £11,848.42. Representative APR 14.2% (vrbl)
More about Unsecured Loans

Questions You Could Ask the Loan Calculator

Here are some ideas for questions the calculator could help answer:

  • I need to borrow £3000 - what would the monthly cost be to repay this over 24 months with an unsecured loan?
  • If I decide to repay this over 36 months how much less would my monthly payments be, but how much more interest would I pay over the life of the loan?
  • I can only afford to repay £200 per month - what's the most I could borrow or 12, 24 or 36 months of repayments?
  • I'm a homeowner so I could use a secured loan instead - how much cheaper than an unsecured loan could this be if I borrowed £7000 over 60 months (based on representative APRs)?

There are numerous questions you could ask yourself to help refine your thinking. But the use of this calculator should never replace actual quotations provided by lenders - so use our no fee broker service to get them. Only then will you really know if you've got the cheapest unsecured loan that's available.

About Unsecured Loans

Representative Example

Loan Amount


Monthly Repayment


Loan Term

48 mnths

Total Repayment


Representative APR


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