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APR from

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 from
18.0%

These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.

18.0%
49.9%
£1k–£500k 1–24 months

iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.

APR from
4.9%

Existing Barclays customers who want a seamless in-app experience with the flexibility to top up borrowing later.

4.9%
29.9%
£1k–£25k

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 from
99.9%

People locked out of mainstream lending who need a small emergency sum quickly.

99.9%
1333.0%
£50–£1.5k 3–6 months ⚡ Minutes

This is high-cost credit — only consider it as a genuine last resort when you've exhausted all other options including credit unions.

⚡ Minutes Check rates
APR from

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.

APR from
5.3%

Existing Santander 1-2-3 World customers who want to keep banking under one roof.

5.3%
21.9%
£1k–£25k 12–60 months ⚡ Same day

Decent rates, especially if you already have a 1-2-3 current account. Otherwise nothing remarkable compared to the Big Four.

⚡ Same day Check rates
APR from
4.9%

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

4.9%
19.9%
£4k–£100k 12–60 months ⚡ Same day via dealer

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

⚡ Same day via dealer Check rates
APR from

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 from
6.9%

It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.

6.9%
29.9%
£10k–£500k 72–72 months

Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.

APR from
3.3%

HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.

3.3%
21.9%
£1k–£30k

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.

APR from

Landlords wanting BTL mortgage security from a major building society rather than a smaller specialist

The Mortgage Works brings Nationwide's financial strength to the BTL market. If you want the reassurance of a major building society behind your BTL mortgage, this is your option.

APR from
9.9%

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

9.9%
69.9%
£1k–£8k 12–60 months ⚡ Same day

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

⚡ Same day Check rates
APR from
7.9%

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.

7.9%
29.9%
£3k–£50k 24–60 months ⚡ Instant decision

Oodle Car Finance offers a straightforward approach to car finance, particularly for those with a decent credit history.

⚡ Instant decision Check rates
APR from

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 from
3.9%

Borrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.

3.9%
29.9%
£1k–£50k

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 from
4.79%

Professional landlords and portfolio investors needing a lender that can scale from small BTL to multi-million pound portfolios

One of the UK's leading specialist BTL lenders with genuine scale — they can handle anything from a single flat to a £50m portfolio, with multiple award wins to back it up.

APR from
6.1%

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

6.1%
21.9%
£1k–£50k 12–60 months ⚡ Minutes

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

⚡ Minutes Check rates
APR from
8.9%

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

8.9%
49.9%
£1k–£75k 24–60 months ⚡ Decision in 60 seconds

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

⚡ Decision in 60 seconds Check rates
APR from
3.9%

Borrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.

3.9%
29.9%
£1k–£50k

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 from
9.96%

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.

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