Compare personal 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.

Halifax

Halifax Debt Consolidation Loan

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.

Roma Finance

Roma Finance Renovation Mortgage

Landlords needing renovation finance with fast turnaround.

Nimble specialist lender best for refurb projects needing speed over price.

Lending Stream

Lending Stream Short-Term Loan

Individuals with low credit scores seeking emergency funds who can repay within six months.

Lending Stream offers quick access to funds, but the steep APRs can make borrowing expensive. Ideal for those needing immediate cash, it may not be the best choice for long-term financial solutions.

Wollit

Wollit Credit Builder

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.

Barclays

Barclays Personal Loan

UK residents aged 18 and above with a regular income and a Barclays current account seeking personal loans.

Barclays provides one of the fastest approval times in personal loans, typically deciding within minutes for existing customers. However, the higher APRs can be a concern for those with less-than-perfect credit.

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.

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.

HSBC

HSBC Personal Loan for Debt Consolidation

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.

Foundation Home Loans

Foundation Home Loans BTL Mortgage

Professional landlords with complex property portfolios needing specialist underwriting through a broker

A strong intermediary-only BTL lender with deep specialist expertise, particularly good for complex landlord cases that high-street banks won't touch.

Creditspring

Creditspring Credit Builder Loan

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.

Monzo

Monzo Personal Loan

UK residents aged 18+ with a Monzo current account seeking quick personal loan access.

Monzo provides some of the fastest loan approvals in the market, making it ideal for those needing quick access to funds. However, the APR can be quite steep for smaller loans, particularly those under £10,000.

MotoNovo Finance

MotoNovo Finance

This is ideal for UK residents aged 18 and above who are looking for flexible car financing options and can meet the credit requirements.

MotoNovo Finance provides a broad range of financing options with competitive APRs starting at 5.9%. However, the upper limit of 24.9% can be steep, especially for those with lower credit scores.

Barclays

Barclayloan Debt Consolidation

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.

Selina Finance

Selina Home Equity Line of Credit

Homeowners with significant equity seeking flexible financing options without remortgaging.

Selina's home equity line of credit offers competitive APRs ranging from 6.39% to 8.37%, making it for homeowners needing funds. However, the requirement for a credit check and affordability assessment may disqualify some applicants.

Loqbox

Loqbox Credit Builder

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.

Lendable

Lendable Personal Loan

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.

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.

NatWest

NatWest Debt Consolidation Loan

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.

Fleet Mortgages

Fleet Mortgages BTL Mortgage

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.