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.
- 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
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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
- 6.1–21.9%
- 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
- 5.9–24.9%
- Amount
- £4k–£100k
- Timing
- Same day decision
Established UK motor finance lender providing HP and PCP deals through approved dealer and broker partners.
- UK resident
- Aged 18+
- Regular income
- 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.
- 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
- 7.9–45.9%
- Amount
- £1k–£25k
- Timing
- Same day
Admiral offers competitive unsecured personal loans from £1,000 to £40,000 with fixed rates. Representative 12.9% APR. Soft-search eligibility check with no credit score impact. fast funding available.
- 18+
- UK resident
- Soft search available
- 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
- 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
- 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
- Rate
- 8.9–47.0%
- Amount
- £1k–£50k
- Timing
- Instant online
Compare the terms, requirements, and editorial notes before you click through.
- UK residency
- Minimum age 18
- Rate
- 9.9%
- Amount
- £2k–£150k
- Timing
- Minutes
Compare the terms, requirements, and editorial notes before you click through.
- UK registered business
- Active Tide business account
- 6+ months trading history
- 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
- 4.9–19.9%
- Amount
- £4k–£100k
- Timing
- Same day via dealer
One of the UK's largest motor finance providers, offering PCP, HP and personal loan products through dealerships nationwide.
- UK resident
- Aged 18+
- Regular income
- Rate
- 3.9–24.9%
- Amount
- £1k–£50k
- Timing
- Minutes
Halifax personal loans offer fixed rates with no fees. Part of Lloyds Banking Group, with a strong high-street presence and online application process.
- UK resident
- 18+
- Regular income
- 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
- 5.6–19.9%
- Amount
- £1k–£25k
- Timing
- Same day
The Post Office offers personal loans underwritten by Bank of Ireland. Available online with competitive rates for established credit.
- 18+
- UK resident
- Good credit
- Rate
- 5.9–24.9%
- Amount
- £4k–£75k
- Timing
- Same day decision
Major UK motor finance lender offering HP and PCP products through a network of over 4,000 dealer partners.
- UK resident
- Aged 18+
- Valid driving licence
- Rate
- 8.9–24.9%
- Amount
- £500–£5k
- Timing
- Instant
Starling offers personal loans exclusively through its app. No fees, no paperwork. Rates range from 11% to 15% APR depending on your credit score. Only available to existing Starling current account holders. Borrow £500 to £5,000. Note: loan product page removed from website — loans may only be available in-app.
- Starling current account
- 18+
- UK resident
- 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
- 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
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