Independent UK comparisons — updated 3 August 2026 · Read by more than 14,000 readers this month

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Best Personal Loans UK — Compare Rates & Apply Today

We compared UK lenders offering personal loans from £1,000 up to £25,000. Live representative APRs, soft eligibility checks and realistic acceptance criteria.

How personal loans work in the UK

You borrow a fixed amount, agree a rate and a term, then repay in equal monthly instalments. The representative APR is the rate at least 51% of successful applicants receive — others may be offered higher. Always run a soft eligibility check first.

What we actually look at

  • The representative APR and how much higher it can go
  • Minimum and maximum loan amounts and terms
  • Whether there’s a proper soft-search eligibility tool
  • Any charges if you repay early
  • How quickly the money arrives once approved
Best value

PrimeRate Personal Loan

Personal loan
4.8 · 3,200 reader reviews
  • Representative APR from 6.2%.
  • Borrow £1,000–£25,000.
  • Soft eligibility check available.
  • Example: £10,000 over 5 years ≈ £197/month.
Apply now

Representative example: £10,000 over 5 years at 6.9% APR, 60 payments of £197.20, total £11,832. Subject to status.

FastFund Loan

Unsecured loan
4.6 · 1,800 reader reviews
  • Funds in as little as 24 hours.
  • APR from 6.9%.
  • No early repayment charges.
  • Borrow £2,000–£20,000.
  • Terms 1–7 years.
Apply now

Subject to status. UK residents 18+. Terms apply.

ClearPath Consolidation

Debt consolidation
4.5 · 1,100 reader reviews
  • Designed for consolidating existing debts.
  • APR from 7.5%.
  • Soft check available.
  • Borrow £3,000–£25,000.
Apply now

Subject to status. UK residents 18+. Terms apply.

Apex Secured Home Loan

Secured loan
4.7 · 950 reader reviews
  • Lower APR starting from 4.8%.
  • Borrow larger amounts up to £100,000.
  • Flexible repayment terms up to 25 years.
  • Secured against your home.
  • No early repayment fees.
Apply now

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Horizon Auto Finance

Car loan
4.5 · 1,250 reader reviews
  • Fixed monthly payments for peace of mind.
  • Buy any car from any reputable dealer.
  • Quick online application.
  • APR from 5.9% representative.
  • Terms from 1 to 5 years.
Apply now

Subject to status. UK residents 18+. Terms and conditions apply.

Vanguard Business Growth Loan

Business loan
4.4 · 430 reader reviews
  • Tailored business funding solutions.
  • Repayment holidays available.
  • Dedicated business loan specialist.
  • Borrow £10,000–£150,000.
  • Unsecured options available.
Apply now

For UK businesses trading 2+ years. Subject to credit assessment.

Personal loan or credit card — which is better?

If you need more than £3,000 for a one-off purchase, a personal loan usually works out cheaper than carrying a balance on a credit card. Fixed-rate loans from better UK lenders currently sit between 6.2% and 6.9%. You also get a clear end date and fixed monthly payments.

FAQ

It is the rate that at least 51% of successful applicants are offered. Others may receive a higher rate based on their credit profile.
No. Soft searches are not visible to other lenders and do not affect your score. Only a full application creates a hard search.
Most lenders allow early repayment. Some charge a small fee (often 1–2 months’ interest). Check the specific terms before applying.