Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
- Signal
- High
- Review
- Clear
- Speed
- Fast
Scout Picks
Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
- Fast scan
- 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
-
01
-
Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
Explore this group → -
Need a wider view?
03Open the full results page to compare more providers, filters, and editorial notes.
View all results
Recently added
- 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
- 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
- 12.9–69.9%
- Amount
- £3k–£25k
- Timing
- —
Car finance for people with less-than-perfect credit. Specialist lender accepting CCJs, defaults, and low scores. Hire purchase agreements.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
Business
Funding Circle Business Loans
- 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.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 3.9–24.9%
- Amount
- £1k–£50k
- Timing
- Minutes
Lloyds offers personal loans with no arrangement fees and the ability to make overpayments without penalty. Existing customers benefit from an online-only application process.
- UK resident
- 18+
- Regular income
- Rate
- 6.9%
- Amount
- £3k–£50k
- Timing
- —
Competitive car finance with fixed monthly payments. New and used vehicle loans. Apply through dealership or direct.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
Business
iwoca Business Loans
- 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.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 6.9–19.9%
- Amount
- £1k–£25k
- Timing
- —
Personal loans from £1,000 to £25,000 with no arrangement fees. Existing Asda Money customers may access preferential rates.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
Personal
Ocean Finance Personal Loan
- Rate
- 24.9–69.9%
- Amount
- £1k–£5k
- Timing
- —
Compare the terms, requirements, and editorial notes before you click through.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 6.0–19.9%
- Amount
- £1k–£25k
- Timing
- Same day
Marks & Spencer's banking arm offers personal loans with competitive rates and M&S reward points for customers. Clean, no-frills lending.
- UK resident
- 18+
- M&S Rewards card for bonus points
- Rate
- 6.6–19.9%
- Amount
- £1k–£35k
- Timing
- Same day
Tesco Bank offers personal loans with Clubcard points on repayments. A unique angle for Tesco shoppers, though rates are middle-of-the-pack.
- UK resident
- 18+
- Clubcard for points
- Rate
- 5.3–21.9%
- Amount
- £1k–£25k
- Timing
- Same day
Santander offers personal loans with a 1-2-3 World loyalty rate for eligible current account holders. Fixed rates, no fees for early repayment.
- UK resident
- 18+
- 1-2-3 account for best rate
- Rate
- 5.9–24.9%
- Amount
- £1k–£25k
- Timing
- Same day
TSB offers straightforward personal loans with no arrangement fees. Quick online application and same-day decisions for most applicants.
- 18+
- UK resident
- Regular income
- Rate
- 5.1–29.9%
- Amount
- £1k–£25k
- Timing
- Same day
Virgin Money offers personal loans with a focus on straightforward pricing. No early repayment charges and a clean online application.
- UK resident
- 18+
- Regular income
- 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
Personal
Danske Bank Fixed Rate Personal Loan
- Rate
- 6.9–19.9%
- Amount
- £1k–£25k
- Timing
- —
Compare the terms, requirements, and editorial notes before you click through.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 5.5–19.9%
- Amount
- £1k–£50k
- Timing
- Minutes
NatWest personal loans offer fixed monthly repayments with no early repayment charges. Available to both existing and new customers with a quick online application.
- UK resident
- 18+
- Regular income
- Rate
- 6.1–21.9%
- Amount
- £1k–£50k
- Timing
- Minutes
One of the UK's largest high-street lenders offering competitive fixed-rate personal loans. Apply online or in-branch with decisions typically within minutes for existing customers.
- UK resident
- 18+
- Regular income
- Rate
- 6.5–25.9%
- Amount
- £500–£25k
- Timing
- Same day
RateSetter (Metro Bank) is no longer accepting new loan applications as of 2026. Existing loan holders continue to be serviced. The peer-to-peer lending platform has been fully wound down.
- 18+
- UK resident
- Regular income
- Rate
- 9.9–69.9%
- Amount
- £1k–£8k
- Timing
- Same day
Bamboo specialises in loans for people with less-than-perfect credit histories. Acts as a broker matching you with lenders from their panel.
- 18+
- UK resident
- Regular income
From Around the Network
Credit Cards
Is Bank of America's Customized Cash Rewards Card Right for You?
6% cash back sounds enticing, but is there a catch? Discover if this no-annual-fee card truly maximizes your rewards.
Credit Cards
Is the Apple Card the Best No-Fee Card of 2026?
The Apple Card offers no fees and impressive integration with your iPhone. But is it enough to make it your go-to card?
Credit Cards
Bank of America Customized Cash Rewards: Is It Really Worth It?
Bank of America's Customized Cash Rewards card offers 6% cash back in your chosen category for the first year. But is it truly a game-changer for your wallet?