Compare personal loans

Lending Stream

Lending Stream Short-Term Loan

Individuals with low credit scores needing immediate cash for emergencies.

Lending Stream offers quick access to cash with approvals in minutes, appealing to those in urgent need. However, the steep APRs, ranging from 99.9% to 1333%, can make borrowing expensive, particularly for longer terms.

Tide

Tide Business Loans

Best for small businesses seeking fast access to capital.

Tide Business Loans provide quick approval times, making them for urgent funding needs. However, the minimum APR of 9.9% can be steep for long-term borrowing.

Novuna (Hitachi)

Hitachi Personal Finance Home Improvement Loan

Homeowners planning renovations who want to spread cost over a longer period.

Strong option for home improvements with competitive rates and longer terms up to 10 years. Well-established in the UK retail finance space.

Black Horse

Black Horse Car Finance

It's ideal for UK residents seeking flexible car finance options with quick dealership approvals.

Black Horse Car Finance offers a wide range of loan options, making it a strong contender for those looking to finance a vehicle.

Lloyds Bank

Lloyds Bank Personal Loan

Borrowers who want flexibility to overpay and potentially clear the loan early.

Good flexibility with free overpayments and no fees. Competitive rates on mid-range amounts but can get expensive for small loans.

iwoca

iwoca Business Loans

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.

MotoNovo Finance

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.

Barclays

Barclays Personal Loan

Existing Barclays customers who want a straightforward loan with quick approval.

Solid all-rounder from a trusted high-street bank. Best rates reserved for existing customers with strong credit.

Funding Circle

Funding Circle Business Loans

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.

Close Brothers Motor Finance

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.

HSBC

HSBC Personal Loan

Borrowers with excellent credit looking for larger loans (£7k+) at top-tier rates.

Among the lowest headline APRs on the market for larger loans. The 3.9% rate is genuinely competitive if you qualify.

CarFinance 247

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.

Bamboo

Bamboo Personal Loan

Borrowers with poor or thin credit who've been declined by mainstream banks.

A genuine option for people with impaired credit who can't get approved elsewhere. Rates are higher, but that's the trade-off.

Zuto

Zuto Car Finance

Best suited for UK residents looking for competitive rates on car loans with access to various lenders.

Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.

Sainsbury's Bank

Sainsbury's Bank Personal Loans

Ideal for existing Nectar cardholders looking to earn rewards while securing a loan.

Sainsbury's Bank offers competitive personal loans with straightforward terms and the added bonus of Nectar points for cardholders.

Oodle Car Finance

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.

Post Office

Post Office Personal Loan

Borrowers who want a competitive rate from a trusted (if unexpected) brand.

Quietly competitive — often overlooked but rates are genuinely fair. Underwritten by Bank of Ireland, so it's solid.

Moneybarn

Moneybarn Car Finance for Poor Credit

Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.

Moneybarn provides a viable option for those with less-than-perfect credit looking for car finance. Their understanding of specialist lending can ease access for many drivers.

Everyday Loans

Everyday Loans for Imperfect Credit

This service is best for individuals who need face-to-face support and have credit challenges, allowing them to borrow between £1,000 and £15,000.

Everyday Loans offers a viable option for those with less-than-perfect credit seeking personal loans. However, the high APR rates warrant careful consideration.

Halifax

Halifax Personal Loan

Borrowers who want a trusted brand with one of the lowest starting APRs on the market.

Very similar to Lloyds (same parent group) with equally competitive top-line rates. Reliable choice with no surprises.