Real rates from banks and fintechs. Compared side by side, no affiliate bias.
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MotoNovo Finance
Best for individuals seeking a reliable motor finance lender with a wide dealer network and competitive rates.
MotoNovo Finance is a solid choice for those looking for flexible car finance options with quick approvals.
Precise Mortgages
Landlords with complex circumstances needing a specialist lender that assesses cases on merit rather than ticking boxes
A well-established specialist lender that handles the cases others won't — complex income, adverse credit, unusual properties. If your BTL case doesn't fit the boxes, Precise probably can.
Asda Money
These loans are best for existing Asda Money customers looking for preferential rates and those with a good credit score seeking amounts between £1,000 and £25,000.
Asda Money offers personal loans with competitive rates, but the minimum credit score requirement may limit accessibility for some borrowers.
Lending Stream
Individuals with low credit scores needing emergency funds of up to £1,500.
While Lending Stream offers swift approval and caters to low credit scores, its high APRs, reaching up to 1,333%, can make borrowing very expensive for longer terms.
iwoca
These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.
iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.
Halifax
Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.
A strong high-street option from the Lloyds Banking Group stable with competitive rates and high borrowing limits. Part of one of the UK largest banking groups.
Loqbox
Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.
The gold standard for UK credit building — save money and build your score simultaneously.
Oodle Car Finance
This service is ideal for UK residents seeking flexible payment options on used cars, especially those who prefer a soft credit check.
Oodle Car Finance offers a straightforward approach to car finance, particularly for those with a decent credit history.
The Mortgage Works
Landlords wanting BTL mortgage security from a major building society rather than a smaller specialist
The Mortgage Works brings Nationwide's financial strength to the BTL market. If you want the reassurance of a major building society behind your BTL mortgage, this is your option.
Lendable
Ideal for those seeking quick access to funds and who may have building credit profiles.
Lendable offers a flexible personal loan option with competitive rates but potential drawbacks in interest rates for lower credit tiers.
Funding Circle
It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.
Lloyds Bank
Borrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.
A solid high-street option with competitive rates starting at 3.9% representative APR and generous borrowing limits up to £50,000, backed by one of the UK most established banking brands.
Creditspring
People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.
Straightforward credit builder with predictable costs — good for rebuilding your score, not for cheap borrowing.
Close Brothers Motor Finance
This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.
Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.
Fleet Mortgages
Landlords wanting a reliable BTL specialist with fast turnaround times and Starling Bank backing
A trusted BTL-only lender backed by Starling Bank, known for consistent decision-making and deep market knowledge. Strong choice for straightforward to moderately complex BTL cases.
Starling Bank
Current Starling Bank account holders needing a small personal loan.
Fast approval and no fees make this an appealing choice for existing Starling account holders. However, the limited availability to current account users may exclude potential borrowers who are interested but not yet customers.
HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.
A reliable high-street option with a competitive 6.5% representative APR and the ability to extend terms up to 96 months on larger loans, giving more breathing room on monthly payments.
Wollit
Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.
Set-and-forget credit builder for renters — low cost, low effort, meaningful impact on thin credit files.
CarFinance 247
This service is best for those who need fast financing for a vehicle and have a clear repayment plan.
CarFinance 247 provides quick access to a wide range of auto loans, but high APRs may deter some borrowers.
Landbay
Landlords wanting a fast, fully digital BTL mortgage process from a proven specialist
Landbay does one thing — BTL — and does it exceptionally well. Their fully digital process means instant decisions, and £4bn+ in completed lending proves they deliver at scale.