Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
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Scout Picks
Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
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- Top options summarized in one view
- Clear terms
- Rates, fees, or fit signals are easy to spot
- No fluff
- Straight to the shortlist before deeper research
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Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
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Recently added
- Rate
- 6.9–29.9%
- Amount
- £10k–£500k
- Timing
- —
Small business loans from £10,000 to £500,000. Apply online in minutes. Decisions within 24 hours. Trusted by 130,000+ UK businesses.
- UK-based business
- Limited company or LLP
- Soft search available
- Rate
- 3.9–21.9%
- Amount
- £1k–£25k
- Timing
- Same day
HSBC offers fixed-rate personal loans from £1,000 to £25,000. Existing HSBC current account holders may benefit from preferential rates and faster processing.
- UK resident
- 18+
- HSBC current account preferred
- Rate
- 3.9–29.9%
- Amount
- £1k–£50k
- Timing
- —
Simplify your finances by combining existing debts into one Lloyds Bank personal loan with fixed monthly repayments and flexible borrowing up to £50,000.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- —
- Amount
- —
- Timing
- —
Specialist residential mortgages and bridging finance from Precise Mortgages, serving intermediaries since 2010 with flexible criteria for complex cases.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 12.9–69.9%
- Amount
- £3k–£25k
- Timing
- Same day decision
Car finance for people with less-than-perfect credit. Specialist lender accepting CCJs, defaults, and low scores. Hire purchase agreements.
- UK resident
- Age 18+
- Valid UK driving licence
- Rate
- —
- Amount
- —
- Timing
- —
Wollit is a UK credit builder app that reports your rent payments and monthly Wollit subscription to all three credit reference agencies. At £9.99/month with no credit check required, it builds up to 60 on-time payment records per year across Experian, Equifax and TransUnion. Over 350,000 registered users with a 4.6 Excellent rating on Trustpilot.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 99.9–1333.0%
- Amount
- £50–£1.5k
- Timing
- Minutes
Lending Stream is a direct lender specialising in short-term credit for people who may struggle with traditional banks. Higher rates reflect the higher-risk market.
- 18+
- UK resident
- Regular income
- Rate
- 18.0–49.9%
- Amount
- £1k–£500k
- Timing
- —
Flexible business finance from £1,000 to £500,000. Flexi-Loan lets you draw down and repay as needed. Revenue-based assessment.
- UK-based business
- Limited company or LLP
- Soft search available
- Rate
- 5.1–30.5%
- Amount
- £500–£25k
- Timing
- Instant
Digital bank Monzo offers personal loans directly through its app. Quick eligibility check, instant decisions, and the loan lands in your Monzo account immediately.
- Monzo current account
- 18+
- UK resident
- Rate
- 3.3–21.9%
- Amount
- £1k–£30k
- Timing
- —
Consolidate your debts with an HSBC personal loan, borrowing from £1,000 to £30,000 with fixed monthly payments and no arrangement fee.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- —
- Amount
- —
- Timing
- —
Specialist buy-to-let mortgage from Kent Reliance (OSB Group), offering products for individual and corporate landlords with flexible criteria.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 7.9–29.9%
- Amount
- £3k–£50k
- Timing
- Instant decision
UK online car finance provider specialising in used car HP agreements with flexible terms and a soft credit check.
- UK resident
- Aged 18+
- Minimum income £1,000/month
- Rate
- —
- Amount
- —
- Timing
- —
Loqbox is a UK credit builder service that has helped over 1 million people improve their credit scores. You save a set amount each month (from £20), which is reported to all three UK credit reference agencies as on-time payments. At the end of the term, you get your savings back. Award-winning service recognised as Best Credit Building Service 2025.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 4.9–14.9%
- Amount
- £1k–£25k
- Timing
- 1-2 days
Hitachi Capital (now Novuna) specialises in point-of-sale and home improvement finance. Often available through retailers and tradespeople.
- 18+
- UK homeowner
- Good credit
- Rate
- 3.9–29.9%
- Amount
- £1k–£50k
- Timing
- —
Combine multiple debts into a single Halifax personal loan with fixed monthly payments from £1,000 to £50,000.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 4.5%
- Amount
- —
- Timing
- —
30+ years specialist buy-to-let lender offering mortgages for landlords and limited companies, from single properties to HMOs and multi-unit blocks. SVR 8.60%.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 8.9–49.9%
- Amount
- £1k–£75k
- Timing
- Decision in 60 seconds
UK car finance broker with access to multiple lenders. HP and PCP options from 8.9% APR. AutoTrader preferred finance partner.
- UK resident
- Age 18+
- Valid UK driving licence
- Rate
- —
- Amount
- —
- Timing
- —
Creditspring is a UK credit builder membership service offering 0% interest loans with a fixed monthly membership fee. Members can borrow between £200 and £1,200 twice per year, with all repayments reported to UK credit reference agencies to help build credit scores. FCA authorised.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 24.9–69.9%
- Amount
- £1k–£5k
- Timing
- —
Compare the terms, requirements, and editorial notes before you click through.
- 18+
- UK resident
- Accepts impaired credit
- Rate
- 4.9–29.9%
- Amount
- £1k–£25k
- Timing
- —
Consolidate your debts into a single Barclayloan with fixed monthly payments, early repayment flexibility, and the option to top up if needed.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
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