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LendFair

Loan amount:
£500 - £5,000
Loan term:
6 - 60 months
Representative APR:
47.90% APR
Special conditions: You must have a guarantor,You must be over 18 years old,You must be able to repay the monthly repayments,Your guarantor must have good credit
Representative Example: Representative Example: If you borrow £2,500 over 36 months at a Representative rate of 47.9% APR and an annual interest rate of 47.90% (fixed), you would pay 36 monthly instalments of £120.04. The total charge for credit will be £821.44 and the total amount payable will be £3,321.44.

1 Plus 1 Loans

Loan amount:
£500 - £5,000
Loan term:
12 - 60 months
Representative APR:
45.40% APR
Special conditions: You must be a UK resident,You must be aged 18 or over to apply,You must have a UK bank account with a valid debit card,Your guarantor must own their own home
Representative Example: Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 45.4% APR and an annual interest rate of 23.00% (fixed), you would pay 36 monthly instalments of £140.84. The total charge for credit will be £2,070.24 and the total amount payable will be £5,070.24.

Savvy

Loan amount:
£300 - £3,000
Loan term:
12 - 24 months
Representative APR:
99.00% APR
Special conditions: You must be in full-time employment,You must be over 18 years old,You must be a UK resident,You must hold a bank account with direct debit and debit card facility
Representative Example: Representative Example: If you borrow £2,500 over 24 months at a Representative rate of 99.0% APR and an annual interest rate of 70.83% (fixed), you would pay 24 monthly instalments of £197.41. The total charge for credit will be £2237.84 and the total amount payable will be £4,737.84. This includes a processing and payout fee of £250 which is 10% of your loan and also £1,987.84 interest at 70.83% (pa.fixed).

Future Finance

Loan amount:
£2,500 - £40,000
Loan term:
1 - 150 months
Representative APR:
11.22% APR
Special conditions: You must be aged 18 or above,You will need to be enrolled in an accredited UK university,UK or EU citizen in the UK,Have an average credit history and agree to credit check,Non-EU citizens will need a guarantor
Representative Example: Representative Example: If you borrow £4,500 over 125 months at a Representative rate of 11.22% APR and an annual interest rate of 11.10% (variable); after graduation 9.10% pa.(variable), you would pay 5 payments of £30/month, until 3 months after graduation; 119 payments of £61.90/month; 1 payment of £61.50. The total charge for credit will be £2,077.60 and (inc. set up fee of £292.50) the total amount payable will be £7,577.60.

QuidCycle Loans

Loan amount:
£2,500 - £25,000
Loan term:
1 - 12 months
Representative APR:
7.30% APR
Special conditions: Must have a bank account ,Must have a debit/credit card,At least 21 years old,Uk resident ,Regular income,No CCJs for three years prior to application,No defaults three years prior to application
Representative Example: Representative Example: If you borrow £7,500 over 36 months at a Representative rate of 6.2% APR and an annual interest rate of 62% (fixed), you would pay 36 monthly instalments of £228.75. The total charge for credit will be £735 and the total amount payable will be £8235.

Lloyds Bank International Limited

Loan amount:
£500 - £25,000
Loan term:
12 - 60 months
Representative APR:
11.90% APR
Special conditions: You must be 18 years of age or older,You must be a resident of the Channel Islands or the Isle of Man to apply,You must have a good credit history,You must have an email address and a landline number,You must hold a Lloyds bank account to apply
Representative Example: Representative Example: If you borrow £6,000 over 60 months at a Representative rate of 11.9% APR and an annual interest rate of 12.19% (variable), you would pay 60 monthly instalments of £134.06. The total charge for credit will be £2,043.60 and the total amount payable will be £8,043.60.

Amigo Loans

Loan amount:
£500 - £7,500
Loan term:
12 - 60 months
Representative APR:
49.90% APR
Special conditions: You must be between 18-75 years old at the time of applying,You need to be a UK resident,You need to be able to comfortably afford repayments,You can't be on an IVA or bankrupt
Representative Example: Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.9% APR and an annual interest rate of 49.90% (variable), you would pay 36 monthly instalments of £195.16. The total charge for credit will be £3,025.76 and the total amount payable will be £7,025.76.

eMoney Union

Loan amount:
£2,000 - £15,000
Loan term:
24 - 60 months
Representative APR:
15.50% APR
Special conditions: You must register for a User Account before being able to borrow,You must have an email address,You must have a bank account,You will be allocated a Risk grade by your Equifax credit score
Representative Example: Representative Example: If you borrow £10,000 over 24 months at a Representative rate of 15.5% APR and an annual interest rate of 12% (fixed), you would pay 24 monthly instalments of £482.50. The total charge for credit will be £1,580.00 (including an arrangement fee of £120) and the total amount payable will be £11,580.00.

Progressive Money

Loan amount:
£1,000 - £15,000
Loan term:
24 - 180 months
Representative APR:
40.34% APR
Special conditions: Must own and live in own home,Must be employed earning £800 net per month ,Aged between 21-68
Representative Example: Representative Example: If you borrow £6,000 over 60 months at a Representative rate of 40.3% APR and an annual interest rate of 40.34% (variable), you would pay 60 monthly instalments of £210.54. The total charge for credit will be £6,632.20 and the total amount payable will be £12,632.20.

Buddy Loans

Loan amount:
£1,000 - £7,500
Loan term:
12 - 60 months
Representative APR:
49.90% APR
Special conditions: You will need to have a guarantor,You must be a UK resident and over the age of 18,You will need to be able to comfortably afford repayments,You can't be on an IVA or bankrupt
Representative Example: Representative Example: If you borrow £3,250.00 over 36 months at a Representative rate of 49.9% APR and an annual interest rate of 41.16% (fixed), you would pay 36 monthly instalments of £158.57. The total charge for credit will be £2,464 and the total amount payable will be £5,714.67.

Guarantor My Loan

Loan amount:
£1,000 - £5,000
Loan term:
12 - 60 months
Representative APR:
48.90% APR
Special conditions: You will need a guarantor to support your application,You must be a UK resident,You need to be over the age of 18 to apply,You can't have any active CCJs, IVAs or a history of bankruptcy
Representative Example: Representative Example: If you borrow £3,000.00 over 36 months at a Representative rate of 48.9% APR and an annual interest rate of 10% (fixed) and annual service fee of 30.48% (fixed) , you would pay 36 monthly instalments of £145.17. The total charge for credit will be £2,226.12 and the total amount payable will be £5,226.12.

Suco Guarantor Loans

Loan amount:
£1,000 - £15,000
Loan term:
12 - 60 months
Representative APR:
48.90% APR
Special conditions: You must be over 18 years of age,You must have a guarantor ,You must be a UK resident,You need to be in employment,You must have a UK bank account
Representative Example: Representative Example: If you borrow £2,000 over 48 months at a Representative rate of 48.9% APR and an annual interest rate of 25.83% (fixed), you would pay 48 monthly instalments of £84.73. The total charge for credit will be £2,067.04 and the total amount payable will be £4,067.04.

On Stride

Loan amount:
£1,000 - £10,000
Loan term:
12 - 60 months
Representative APR:
45.30% APR
Special conditions: You must be 18 years old or over ,You must be a UK resident ,You must be employed and receiving regular income,You must have a valid UK bank account with a debit card
Representative Example: Representative Example: If you borrow £2,000 over 36 months at a Representative rate of 45.3% APR and an annual interest rate of 38.00% (fixed), you would pay 36 monthly instalments of £93.90. The total charge for credit will be £1,380.40 and the total amount payable will be £3,380.40.

UK Credit

Loan amount:
£1,000 - £10,000
Loan term:
12 - 60 months
Representative APR:
39.90% APR
Special conditions: You need a guarantor with a good credit history to back your application,You need to be between 18 and 75 to apply,You need a bank account with debit card and direct dedit facility to apply
Representative Example: Representative Example: If you borrow £4,000 over 48 months at a Representative rate of 39.9% APR and an annual interest rate of 34.05% (fixed), you would pay 48 monthly instalments of £153.60. The total charge for credit will be £3,372.80 and the total amount payable will be £7,372.80.

Likely Loans Unsecured

Loan amount:
£1,000 - £5,000
Loan term:
12 - 36 months
Representative APR:
47.90% APR
Special conditions: You need to be at least 18 years old and a UK resident,You'll need a bank or building society account with direct debit facilities,You must be receiving either a regular salary or pension ,You can't have been bankrupt within the last 12 months
Representative Example: Representative Example: If you borrow £2,000 over 24 months at a Representative rate of 47.9% APR and an annual interest rate of 47.90% (fixed), you would pay 24 monthly instalments of £122.14. The total charge for credit will be £931.36 and the total amount payable will be £2,931.36.

Bamboo Loans

Loan amount:
£1,000 - £8,000
Loan term:
12 - 60 months
Representative APR:
49.70% APR
Special conditions: You must be over 18,You must have a guarantor but they do not need to be a home owner,You must have a bank account and debit account
Representative Example: Representative Example: If you borrow £2,600.00 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 41.00% (fixed), you would pay 35 monthly instalments of £126.61 and a final payment of £126.54. The total charge for credit will be £1,957.89 and the total amount payable will be £4,557.89.

Oakam Lift Loan

Loan amount:
£1,000 - £5,000
Loan term:
12 - 36 months
Representative APR:
96.00% APR
Special conditions: If you are on benefits, you can only apply for up to £500,It doesn't matter if you are employed, unemployed, on benefits, a carer or a homemaker anyone can apply,You must have been in the UK for a minimum of 6months,You must be 18 years of age or older to apply
Representative Example: Representative Example: If you borrow £1,200 over 52 weeks at a representative rate of 96% APR and an annual interest rate of 69% (variable), you would pay 1 weekly instalment of £43.46 and 51 monthly instalments of £32.09. The total charge for credit will be £480.05 and the total amount payable will be £1,680.05.

TFS Guarantor Loans

Loan amount:
£1,000 - £5,499
Loan term:
24 - 60 months
Representative APR:
48.90% APR
Special conditions: You must be aged between 18 and over,You must have regular income,Your guarantor must be between 18 and 78 (at the end of the loan term),Your guarantor must be a UK Homeowner
Representative Example: Representative Example: If you borrow £4,500.00 over 48 months at a Representative rate of 48.9% APR and an annual interest rate of 25.84% (fixed), you would pay 48 monthly instalments of £190.65. The total charge for credit will be £4,651.20 and the total amount payable will be £9,151.20.

TrustTwo

Loan amount:
£1,000 - £7,500
Loan term:
13 - 60 months
Representative APR:
39.90% APR
Special conditions: You must be 18 years of age or older to apply,You must have a credit or debit card to apply,You don't need to have a good credit history
Representative Example: Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 39.9% APR and an annual interest rate of 34.00% (fixed), you would pay 36 monthly instalments of £178.69. The total charge for credit will be £2,432.75 and the total amount payable will be £6,432.75.

George Banco

Loan amount:
£1,000 - £7,500
Loan term:
12 - 60 months
Representative APR:
49.70% APR
Special conditions: You will need a guarantor ,Must have a valid UK debit card ,Must have a UK bank account ,Must be a UK resident,Have a minimum income after tax of £1000
Representative Example: Representative Example: If you borrow £3,500 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 31.90% (fixed), you would pay 36 monthly instalments of £170.56. The total charge for credit will be £2,640.16 and the total amount payable will be £6,140.16.

1st Stop Personal Loans

Loan amount:
£2,000 - £15,000
Loan term:
24 - 72 months
Representative APR:
38.70% APR
Special conditions: Must be a UK resident ,Must be aged between 21 and 65,Must be in permanent full time employment ,Earn a gross annual income greater than £15,000 per annum
Representative Example: Representative Example: If you borrow £5,000 over 48 months at a Representative rate of 38.7% APR and an annual interest rate of 18.58% (fixed), you would pay 48 monthly instalments of £189.38. The total charge for credit will be £4,090.24 and the total amount payable will be £9,090.24.

118 118 Money

Loan amount:
£1,000 - £5,000
Loan term:
12 - 24 months
Representative APR:
99.90% APR
Special conditions: You must be UK resident,You must have a monthly net income of more than £700,You must have a UK bank account and debit card,You must be aged between 18-70,You must be employed or self employed
Representative Example: Representative Example: If you borrow £1,810 over 24 months at a Representative rate of 99.9% APR and an annual interest rate of 71.30% (fixed), you would pay 24 monthly instalments of £143.48. The total charge for credit will be £1,810.48 and the total amount payable will be £3,620.96.

Post Office Loan

Loan amount:
£15,000 - £25,000
Loan term:
12 - 84 months
Representative APR:
8.40% APR
Special conditions: You cannot have any CCJ's registered against you,You must be 21 years of age or older to apply,You must be earning a minimum of £8,000 per year,You must have a bank account or building society account,You must have a good credit history,You must have always managed previous credit commitments well,You must have been a UK resident for three years or longer,You need: your employer's address, 3 years address history, bank details and incoming/outgoings details
Representative Example: Representative Example: Borrowing £7,500 over 48 months, repaying £180.22 per month, total repayable £8650.56. Interest rate 7.2% (fixed). Representative 7.4% APR.

beSavvi

Loan amount:
£2,000 - £7,499
Loan term:
24 - 60 months
Representative APR:
17.90% APR
Special conditions: You must have a bank account or building society account,You must be over 21 years of age,You must be employed or retired with a pension,You must be a permanent resident in the UK,You need your last 5 years address history
Representative Example: Representative Example: If you borrow £5,000 over 60 months at a Representative rate of 17.9% APR and an annual interest rate of 17.90% (fixed), you would pay 60 monthly instalments of £123.15. The total charge for credit will be £2,389.00 and the total amount payable will be £7,389.00.

Bank of Ireland Loan

Loan amount:
£1,000 - £25,000
Loan term:
6 - 60 months
Representative APR:
6.90% APR
Special conditions: To apply to Bank of Ireland you'll need to be full-time, part-time of self-employed,You'll need to be over 18 and have held a BOI current account for at least 6 months prior to applying,You'll need to have a good credit history
Representative Example: Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 6.9% APR and an annual interest rate of 6.90% (fixed), you would pay 60 monthly instalments of £196.58. The total charge for credit will be £1,795.00 and the total amount payable will be £11,795.00.

Everyday Loans

Loan amount:
£1,000 - £15,000
Loan term:
24 - 60 months
Representative APR:
79.40% APR
Special conditions: You must have a UK bank account with direct debit facilities,You must have lived in the UK for one year or longer,You must be at least 18 years old
Representative Example: Representative Example: If you borrow £3,000.00 over 24 months at a Representative rate of 79.4% APR and an annual interest rate of 59.9% (fixed), you would pay 24 monthly instalments of £217.24. The total charge for credit will be £2,213.68 and the total amount payable will be £5,213.68.

Metro Bank

Loan amount:
£2,000 - £20,000
Loan term:
12 - 60 months
Representative APR:
5.90% APR
Special conditions: You must be at least 18 years old,You must have a Metro Bank current account,You must be a UK resident
Representative Example: Representative Example: If you borrow £5,000 over 60 months at a Representative rate of 5.9% APR and an annual interest rate of 5.90% (fixed), you would pay 60 monthly instalments of £96.08. The total charge for credit will be £764.81 and the total amount payable will be £5,764.81.

RAC Personal Finance

Loan amount:
£2,500 - £25,000
Loan term:
24 - 60 months
Representative APR:
3.80% APR
Special conditions: You're must be aged 18 or over,You must hold a UK bank or building society account,You must have been a permanent UK resident for a minimum of 12 months,You must be in permanent paid employment, self-employed or retired with a pension
Representative Example: Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 3.8% APR and an annual interest rate of 3.80% (fixed), you would pay 60 monthly instalments of £137.22. The total charge for credit will be £733.20 and the total amount payable will be £8,233.20.

Barclays Bank Loans

Loan amount:
£5,000 - £7,499
Loan term:
24 - 60 months
Representative APR:
9.90% APR
Special conditions: Held a Barclays current account for over 7 months,Paid at least £1,000 into your account each month,Good credit history
Representative Example: Representative Example: If you borrow £6,000 over 60 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 60 monthly instalments of £125.94. The total charge for credit will be £1,556.62 and the total amount payable will be £7,556.62.

Zopa Loan

Loan amount:
£1,000 - £25,000
Loan term:
24 - 60 months
Representative APR:
3.30% APR
Special conditions: You must be at least 18 years old,You must have a current account in your own name with a UK bank ,You must have been a UK resident
Representative Example: Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 3.3% APR and an annual interest rate of 3.00% (fixed), you would pay 60 monthly instalments of £180.80. The total charge for credit will be £848.30 and the total amount payable will be £10,848.30.

AA Member Loan

Loan amount:
£1,000 - £25,000
Loan term:
12 - 84 months
Representative APR:
3.90% APR
Special conditions: You must be aged between 21 and 70,Bank account with Direct Debit Facility,You must have a minimum annual income of £12k
Representative Example: Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 3.9% APR and an annual interest rate of 3.90% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753.00 and the total amount payable will be £8,253.00.

TSB Bank Loans

Loan amount:
£15,000 - £19,873
Loan term:
12 - 60 months
Representative APR:
3.50% APR
Special conditions: You must be 18 years of age or older,You must be in full-time, part-time or self-employment earning at least £500 per month,You must have a good credit history,You must have an email address,You must have been living in the UK for 3 years or longer,You must have had a TSB Current Account with Direct Debit facilities for more than 3 months
Representative Example: Representative Example: If you borrow £15,000 over 60 months at a Representative rate of 3.5% APR and an annual interest rate of 3.49% (fixed), you would pay 60 monthly instalments of £272.81. The total charge for credit will be £1368.60 and the total amount payable will be £16,368.60.

Lending Works

Loan amount:
£1,000 - £25,000
Loan term:
12 - 36 months
Representative APR:
6.80% APR
Special conditions: Must be 21 or over ,You must earn at least £14,000 a year,You need to be aged at least 18,You must be a UK resident,You need to have a UK bank account
Representative Example: Representative Example: If you borrow £5,000 over 36 months at a Representative rate of 6.8% APR and an annual interest rate of 4.70% (fixed), you would pay 36 monthly instalments of £153.45. The total charge for credit will be £524.11 and the total amount payable will be £5,524.11.

Smile Bank Loans

Loan amount:
£7,500 - £14,950
Loan term:
12 - 84 months
Representative APR:
4.90% APR
Special conditions: It doesn't matter if you haven't been in the UK for a specified length of time,You must be aged between 21-69,You must be in full-time, part-time or self-employment earning £800 per month OR in education,You must have a bank account with credit/debit card facilities,You must have a good credit history,You need: proof of ID, proof of address (residential history for the last 3 years), details of your employment, your National Insurance Number and proof of income (bank statement, wage slips, etc.)
Representative Example: Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

Clydesdale Bank Loans

Loan amount:
£3,000 - £4,999
Loan term:
12 - 60 months
Representative APR:
12.90% APR
Special conditions: You must be aged 18 or over.,You have a permanent UK address,You have a good credit history,You have a UK bank account,You have a debit and/or credit card
Representative Example: Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 12.9% APR and an annual interest rate of 12.9% (fixed), you would pay 35 monthly instalments of £99.93 and final instalment of £99.65. The total charge for credit will be £597.20 and the total amount payable will be £3,597.20.

Creation Personal Loan

Loan amount:
£3,000 - £4,999
Loan term:
12 - 60 months
Representative APR:
15.90% APR
Special conditions: Must have a bank or buiding society account.,Must have a good credit rating,Must have a minimum income of £12000 per annum,Must have been in the UK for the past 3 years,You must be at least 25 years old to apply.,You will need, a form of ID, A landline telephone number, Your residential history for the past 3 years, Bank account details, Credit/Debit card details
Representative Example: Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 15.9% APR and an annual interest rate of 15.90% (fixed), you would pay 36 monthly instalments of £103.77. The total charge for credit will be £735.72 and the total amount payable will be £3,735.72.

Bank of Scotland Loans

Loan amount:
£1,000 - £2,499
Loan term:
12 - 60 months
Representative APR:
29.90% APR
Special conditions: You cannot have a history of bad credit such as arrears, county court judgements, default or bankruptcy,You can't have been declined credit in the last month,You must be in paid employment and not in full time education,You must be over 18 years of age,You must have a bank/building society account,You must have a permanent UK address,You need: address details including your postcode for the past 3 years, your bank/building society details, your annual income and monthly outgoings such as rent/mortgage repayments, your employer's name and address,To apply for a personal loan you must have one of the following Bank of Scotland products; current account (excluding Easycash), savings account, credit card or personal loan. You can also qualify if you have a Halifax mortgage
Representative Example: Representative Example: If you borrow £7,500 over 60 months at a representative rate of 12.9% APR and an annual interest rate of 12.19% (fixed), you would pay 60 monthly instalments of £167.57. The total charge for credit will be £2,554.35 and the total amount payable will be £10,054.35

HSBC Bank Loans

Loan amount:
£7,000 - £15,000
Loan term:
12 - 60 months
Representative APR:
3.30% APR
Special conditions: You may not need to provide any documents if you are a current account holder,You must be 18 years of age or older to apply,You must be in full-time, part-time or self-employment earning at least £700 per month,You must have a good credit history,You must have a HSBC current account,You must have been a UK resident for 3 years or longer
Representative Example: Representative Example: If you borrow £8000 over 60 months at a representative rate of 3.3% APR and an annual interest rate of 3.3% (fixed), you would pay 60 monthly instalments of £144.64. The total charge for credit will be £678.64 and the total amount payable will be £8,678.64.

Lendable

Loan amount:
£1,000 - £15,000
Loan term:
12 - 60 months
Representative APR:
18.40% APR
Special conditions: No CCJs ,No recent defaults. ,No more than 3 recent missed payments,Minimum Income of £10,000 per year,Be an individual residing in the UK,Have a current account at a UK bank or building society,Be at least 18 years old
Representative Example: Representative Example: If you borrow £7,500.00 over 36 months at a Representative rate of 18.4% APR and an annual interest rate of 15.97% (fixed) and total fees of £225, you would pay 36 monthly instalments of £267.44. The total charge for credit will be £1127.84 and the total amount payable will be £9,627.84.

Co-Operative Bank Loans

Loan amount:
£2,000 - £2,999
Loan term:
12 - 84 months
Representative APR:
20.90% APR
Special conditions: You must be between age 23 and 69 to apply,You must be in full-time, part-time or self-employment earning at least £10,000 per year,You must have a bank account with direct debit facilities,You must have a good credit history,You must have been a UK resident for 1 year or longer,You need: your home address from the last 3 years, your bank account details (sort code and account number), your employer's name and address and details of any Co-Operative accounts you may hold
Representative Example: Representative Example: If you borrow £2,000 over 60 months at a Representative rate of 20.9% APR and an annual interest rate of 19.78% (fixed), you would pay 60 monthly instalments of £52.02. The total charge for credit will be £1,121.20 and the total amount payable will be £3,120.20.

Lloyds Bank Loans

Loan amount:
£5,000 - £7,499
Loan term:
12 - 60 months
Representative APR:
12.90% APR
Special conditions: You must be 18 years of age or older,You must have had a Lloyds Current Account with Direct Debit facilities for more than 3 months,You must have had a Lloyds Current Account with Direct Debit facilities for more than 3 months,You must be in full-time, part-time or self-employment earning at least £500 per month,You must have a good credit history,You must have an email address,You must have been living in the UK for 3 years or longer
Representative Example: Representative Example: If you borrow £6,000 over 60 months at a Representative rate of 12.9% APR and an annual interest rate of 12.19% (fixed), you would pay 60 monthly instalments of £134.06. The total charge for credit will be £2,043.60 and the total amount payable will be £8,043.60.

Hitachi Loans

Loan amount:
£5,000 - £7,499
Loan term:
24 - 60 months
Representative APR:
4.60% APR
Special conditions: You need to be aged 21 or over,Hold a bank or building society account,Are a permanent UK resident (and have been living in the UK for at least 12 months),You are in permanent paid employment, self-employed or retired with a pension,Have a good credit history
Representative Example: Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.8% APR and an annual interest rate of 3.8% (fixed), you would pay 60 monthly instalments of £137.22. The total charge for credit will be £733.20 and the total amount payable will be £8,233.20.

Isle of Man Bank

Loan amount:
£1,000 - £25,000
Loan term:
12 - 120 months
Representative APR:
9.90% APR
Special conditions: You must be over 18 years of age,You must live on the Channel islands,You must have proof of address
Representative Example: Representative Example: If you borrow £6,000 over 60 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (variable), you would pay 60 monthly instalments of £125.94. The total charge for credit will be £1,556.62 and the total amount payable will be £7,556.62.

Halifax Bank Loans

Loan amount:
£7,500 - £15,000
Loan term:
12 - 84 months
Representative APR:
3.30% APR
Special conditions: Must be in full time employment,You cannot be in full time education,You cannot have a history of bad credit (e.g. arrears, CCJs, deaults or bankruptcy),You cannot have been declined credit in the last month,You must be 18 years or older to apply,You must be an existing Halifax customer with at least one of the following Halifax accounts: current (excluding Easycash), mortgage, savings, credit card or loan,You must have a permanent UK address,You need: address details including your post code for the past 3 years, bank/building society details, annual income and monthly outgoings (rent/mortgage payments), employer's name and address
Representative Example: Representative Example: If you borrow £6000 over 48 months at a Representative rate of 11.9% APR and an annual interest rate of 11.3% (fixed), you would pay 48 monthly instalments of £155.94. The total charge for credit will be £1,485.12 and the total amount payable will be £7,485.12.

Conister Bank

Loan amount:
£1,000 - £30,000
Loan term:
12 - 60 months
Representative APR:
7.60% APR
Special conditions: You must be over 18 years of age,You must have regular income,You must be an Isle of Man resident
Representative Example: Representative Example: If you borrow £10,000 over 48 months at a Representative rate of 7.6% APR and an annual interest rate of 7.625% (fixed), you would pay 48 monthly instalments of £271.88. The total charge for credit will be £3,050 and the total amount payable will be £13,050.

Danske Bank Fixed Rate Personal Loan

Loan amount:
£5,000 - £9,999
Loan term:
12 - 64 months
Representative APR:
7.90% APR
Special conditions: You must open a personal current account with Danske Bank,You must be over 18 years of age,You must have a minimum income of £500 per month
Representative Example: Representative Example: If you borrow £5,500 over 36 months at a Representative rate of 7.9% APR and an annual interest rate of 7.90% (fixed), you would pay 36 monthly instalments of £171.30. The total charge for credit will be £1,166.80 and the total amount payable will be £6,166.80.

NatWest Bank Loans

Loan amount:
£7,500 - £14,999
Loan term:
12 - 60 months
Representative APR:
3.90% APR
Special conditions: You may need to provide some proof of identity documents (e.g. passport/driving license),You must be 18 years of age or older,You must be in full-time, part-time or self employment OR retired with a regular income,You must have a good credit history,You must have been a UK resident for 3 years or longer,You must have NatWest bank account with direct debit facilities
Representative Example: Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753 and the total amount payable will be £8,253.

First Direct Bank Loans

Loan amount:
£7,000 - £30,000
Loan term:
12 - 84 months
Representative APR:
3.40% APR
Special conditions: You must be 18 years of age or older to apply,You must be in full-time, part-time or self-employment earning at least £700 per month,You must have a First Direct 1st account to apply,You must have a good credit history,You must have been a UK resident for 3 years or longer,You will need: Proof of ID, bank statement, utility bill, 3 months banking history
Representative Example: Representative Example: If you borrow £7,000 over 24 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 84 monthly instalments of £93.72. The total charge for credit will be £872.38 and the total amount payable will be £7,872.38.

Santander Bank Loans

Loan amount:
£3,000 - £4,999
Loan term:
12 - 60 months
Representative APR:
14.10% APR
Special conditions: You must be a permanent resident in England, Wales, Scotland or Northern Ireland,You must be at least 21 years of age,You must have a bank account/building society with direct debit facilities,You will need an e-mail address,You will need to provide: all previous addresses from the last 3 years, your email address, your employer's address and postcode, details of your yearly income and monthly outgoings and your bank/building society account details
Representative Example: Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.6% APR and an annual interest rate of 3.6% (fixed), you would pay 60 monthly instalments of £182.28. The total charge for credit will be £936.80 and the total amount payable will be £10,936.80

Yorkshire Bank Loans

Loan amount:
£15,001 - £25,000
Loan term:
12 - 60 months
Representative APR:
4.80% APR
Special conditions: If self-employed you must have 3 years accounts/income letter/tax assessment OR 2 years accounts/income letter/tax assessment and a projected 3rd year,Existing customers must be 18 years of age or older to apply,You have a debit and/or credit card,You must have a good credit history,You must have a permanent UK address,You will need: your employer's details, your bank account's details, your income and other financial repayment details, your monthly mortgage/rent/board payment details and your business details (if self-employed),New customers must be aged between 23-74 with a minimum income of £15,000
Representative Example: Representative Example: If you borrow £20,000 over 48 months at a Representative rate of 4.8% APR and an annual interest rate of 4.8% (fixed), you would pay 47 monthly instalments of £457.86 and a final payment of £457.41. The total charge for credit will be £1976.83 and the total amount payable will be £21,976.83.

RateSetter Loan

Loan amount:
£1,000 - £25,000
Loan term:
6 - 60 months
Representative APR:
3.90% APR
Special conditions: Must have good credit history,You cannot be on Debt Management, an IVA or be bankrupt,You must be at least 21 years of age,You must have a regular income,You must have a valid UK bank account,You need to have been a UK resident for 3 years or longer
Representative Example: Representative Example: If you borrow £5,000.00 over 24 months at a Representative rate of 3.9% APR and an annual interest rate of 3.83% (fixed), you would pay 24 monthly instalments of £216.75. The total charge for credit will be £201.92 and the total amount payable will be £5,201.92.

Nationwide Bank Loans

Loan amount:
£7,500 - £14,999
Loan term:
12 - 60 months
Representative APR:
3.40% APR
Special conditions: All applicants must be 18 or older and have an income of over £700,All applicants must have been living in the UK for the last 12 months and have the right to work in the UK,Cheaper interest rates if you have paid £750 or more per month into your FlexAccount for the last 3 months OR if you agree to transfer all your direct debits and standing orders from your account with another bank using their Account Transfer Service,They will ask you to provide some documents to prove your identity, if you are already a Nationwide customer you wont have to provide as much,You must be in full-time, part-time or self-empoyment earning £700 per month,You must have a good credit history,You must not have had 3 missed payments on any credit over the past 12 months,You need to have a bank account with direct debit facilities
Representative Example: Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £181.24. The total charge for credit will be £874.40 and the total amount payable will be £10,874.40.

Tesco Bank Loans

Loan amount:
£1,000 - £2,999
Loan term:
12 - 120 months
Representative APR:
17.60% APR
Special conditions: You must be between the ages of 18 and 74,You must be in full-time, part-time or self-employment earning over £10,000 per year,You must have a bank/building society account with Direct Debit facilities,You must have a good credit history,You must have been living in the UK for one year or longer and have a permanent address,You need: bank details, details of your regular monthly income after tax, your credit and store card limits, current balances and time held, details of your other monthly outgoing expenses, 3 years address details and your current employers details
Representative Example: Representative Example: If you borrow £1000 over 12 months at a representative rate of 17.6% APR and an annual interest rate of 17.60% (fixed), you would pay 12 monthly instalments of £90.88. The total charge for credit will be £90.88 and the total amount payable will be £1090.56.

The Royal Bank of Scotland Loans

Loan amount:
£7,500 - £14,999
Loan term:
12 - 60 months
Representative APR:
3.90% APR
Special conditions: You must be 18 years of age or older to apply,You must be a UK resident for 3 years or longer,You must be an existing Royal Bank of Scotland current account customer,You must have a good credit history,You must have a regular income (salary after tax, pension, disability living allowance, court-agreed child maintenance, housing or shift allowances from your employer, child tax credit, working tax credit)
Representative Example: Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753 and the total amount payable will be £8,253

Marks & Spencer Loans

Loan amount:
£7,500 - £15,000
Loan term:
12 - 60 months
Representative APR:
3.30% APR
Special conditions: Must have details of 3 years previous addresses.,Must provide 3 months bank statements,Must provide income and employment details,You must have an email address,You must have an annual income of at least £10,000,You must be a UK resident and be aged 18 or over
Representative Example: Representative Example: If you borrow £10,000 over 36 months at a representative rate of 3.3% APR and an annual interest rate of 3.3% (fixed), you would pay 36 monthly instalments of £291.91. The total charge for credit will be £508.76 and the total amount payable will be £10,508.76.

Sainsbury's Loans

Loan amount:
£5,000 - £7,499
Loan term:
12 - 60 months
Representative APR:
4.30% APR
Special conditions: You cannot have been declined credit within the last month,You must be 18 years of age or older to apply,You must be in full-time, part-time or self employment earning £800 per month,You must have a bank account or building society account with Direct Debit facilities,You must have been a UK resident for 1 year or longer and have a permanent UK address,You must not have a history of bad credit such as arrears, CCJ's, payment defaults or bankruptcy,You need: bank/building society details, residential address for the last 3 years, details of monthly income/outgoings, employer's name and address and Nectar card number (if applicable)
Representative Example: Representative Example: If you borrow £5,000 over 60 months at a Representative rate of 4.3% APR and an annual interest rate of 4.30% (fixed), you would pay 60 monthly instalments of £92.57. The total charge for credit will be £554.20 and the total amount payable will be £5554.20.

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additional information
Before taking out a personal loan, you should consider the financial impact of doing so and whether there may be an alternative to taking on debt. We have compiled a handy set of guides, provided by the Money Advice Service:
before you borrow >

Find out if you need to borrow money and whether you can afford it. Learn how to work out the true cost of borrowing.

taking control of debt >

Where to get free debt advice, how to speak to the people you owe money to, and tips to help you pay back your debts in the right order.

mortgage and rent problems >

Help if you're struggling with your mortgage or rent payments and information on government support if you can't pay your mortgage.

help with loans >

Learn about how personal loans work, better alternatives to payday loans, and help when borrowing from a credit union.

credit cards and credit ratings >

Find out how to manage a credit card, how to check your credit report, and tips on how you can improve your credit rating.