Compare loan options clearly. Organized notes on rates, terms, and requirements.
Key data
Compare rates, terms, and eligibility from trusted lenders.
Best for
Borrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.
One of the most competitive high-street options with a low representative APR of 3.9% and the highest maximum loan amount at £50,000.
APR
3.9–29.9%
Term
—
Amount
£1k–£50k
Best for
Landlords needing renovation finance with fast turnaround.
Nimble specialist lender best for refurb projects needing speed over price.
APR
—
Term
—
Amount
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Best for
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.
18+
UK resident
Comparison service via ClearScore
APR
6.9–19.9%
Term
12–60mo
Amount
£500–£25k
Best for
Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.
UK resident
Age 18+
Valid UK driving licence
APR
12.9–69.9%
Term
24–60mo
Amount
£3k–£25k
Best for
It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
UK-based business
Limited company or LLP
Soft search available
APR
6.9–29.9%
Term
72–72mo
Amount
£10k–£500k
Best for
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.
APR
—
Term
—
Amount
—
Best for
Individuals with low credit scores who require immediate financial assistance.
18+
UK resident
Regular income
APR
99.9–1333.0%
Term
3–6mo
Amount
£50–£1.5k
Best for
Existing Barclays customers who want a seamless in-app experience with the flexibility to top up borrowing later.
A convenient option for existing Barclays customers with a smooth in-app application, early repayment at any time, and the unique top-up feature for additional borrowing.
APR
4.9–29.9%
Term
—
Amount
£1k–£25k
Best for
Homeowners with good equity and credit scores looking to consolidate debts or finance renovations.
UK homeowner
Available home equity
Affordability assessment
APR
5.89–8.05%
Term
60–360mo
Amount
£5k–£500k
Best for
Individuals with stable incomes and credit scores above 650 who need a loan between £1,000 and £40,000.
18+
UK resident
Soft search available
APR
7.9–45.9%
Term
12–60mo
Amount
£1k–£25k
Best for
This service is best for those who need fast financing for a vehicle and have a clear repayment plan.
UK residency
Minimum age 18
APR
8.9–47.0%
Term
12–60mo
Amount
£1k–£50k
Best for
These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.
UK-based business
Limited company or LLP
Soft search available
APR
18.0–49.9%
Term
1–24mo
Amount
£1k–£500k
Best for
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.
APR
—
Term
—
Amount
—
Best for
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.
APR
3.9–29.9%
Term
—
Amount
£1k–£50k
Best for
Rate-sensitive BTL landlords, especially limited company borrowers wanting the cheapest fixed rates
A fintech BTL lender offering some of the most competitive fixed rates in the market. Best 2-year fixed BTL rate reported at 3.54% for corporate borrowers — genuinely market-leading.
APR
3.54%
Term
—
Amount
—
Best for
This loan is best for individuals seeking quick access to funds, especially those with lower credit scores.
18+
UK resident
Accepts impaired credit
APR
24.9–69.9%
Term
12–60mo
Amount
£1k–£5k
Best for
This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.
UK resident
Aged 18+
Regular income
APR
5.9–24.9%
Term
12–60mo
Amount
£4k–£100k
Best for
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.
APR
—
Term
—
Amount
—
Best for
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.
APR
3.9–29.9%
Term
—
Amount
£1k–£50k
Best for
Landlords needing short-term finance for property renovation, refurbishment, or quick property purchases
A veteran bridging lender with over 50 years in the market. Together's common-sense approach works well for landlords needing renovation finance where mainstream lenders won't lend.
APR
9.96%
Term
—
Amount
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