Good Credit Loans

Loans for those with a perfect credit history.

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3.4% APR Representative
Time to apply
OK 02m 04s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 3.4% APR and an annual interest rate of 3.40% (fixed), you would pay 60 monthly instalments of £135.92. The total charge for credit will be £655.20 and the total amount payable will be £8,155.20.
We don't have any reviews for AA Personal Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Instant decision online
  • No arrangement or set up fee
  • Fixed monthly repayments
  • No fee for repaying your loan early

Watch out for

  • You must be aged between 21 and 70
  • No County Court Judgements (CCJs) or bankruptcy
  • You must have a UK based bank or building society account that can pay direct debits
  • You must have a regular income above £12,000 per year
  • You must have been a UK resident for at least 3 years

Fees & charges

  • Maximum APR 17.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £12
9.9% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £6000 over 48 months at a Representative rate of 9.9% APR and an annual interest rate of 9.48% (fixed), you would pay 48 monthly instalments of £150.67. The total charge for credit will be £1,232.16 and the total amount payable will be £7,232.16.
We don't have any reviews for Halifax Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • No charge if you pay off your Clarity loan early
  • Current account holders can apply online
  • Low representative APR

Watch out for

  • You must be an existing Halifax customer
  • You must be a UK resident
  • You must be aged 18 or over
  • You will need to be in paid employment or have a regular income
  • You have not been declined for credit in the last month
  • You must have good credit

Fees & charges

  • Maximum APR 28.9%
  • Arrangement fee: £0
  • Early repayment fee: £25
  • Late payment penalties: £25
3.3% APR Representative
Time to apply
Slow 06m 00s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for HSBC Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • Instant decision online
  • Overpayments or part payments allowed without charge
  • HSBC Advance customers can receive 10% interest cashback at the end of the loan
  • Repayment holidays available

Watch out for

  • You must have a bank or building society account
  • Earn £10,000 or more per year
  • Be a UK resident
  • You need to be aged 18 or over
  • You will need to have good credit history

Fees & charges

  • Maximum APR 21.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
4.9% APR Representative
Time to apply
Not known
OPTIOSCORE
Good
Representative Example: If you borrow £11,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.90% (fixed), you would pay 60 monthly instalments of £206.54. The total charge for credit will be £1,392.52 and the total amount payable will be £12,392.52.
We don't have any reviews for Barclays Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £50,000
  • Loan term: 24 - 60 months

Top choice for

  • They offer a price guarantee for like-for-like loans (Ts&Cs apply)
  • As their customer you can have a pre-selected loan limit, without affecting your credit rating
  • Instant money when you apply online
  • Online quote doesn’t leave a footprint on your credit history

Watch out for

  • You’ll need to have a Barclays current or saving account, mortgage or Barclaycard to apply online
  • Barclays current account holder for over seven months
  • UK resident
  • Over 18 years old

Fees & charges

  • Maximum APR 4.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.9% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for NatWest Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • Personalised loan quote doesn’t leave footprint on credit file
  • Online banking customers can apply online
  • Decision in minutes
  • Funds often available the next day

Watch out for

  • You must be aged over 18
  • You must have had a NatWest current account for at least 3 months

Fees & charges

  • Maximum APR 24.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3% APR Representative
Time to apply
Slow 06m 49s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £12,500 over 48 months at a Representative rate of 3.0% APR and an annual interest rate of 3.7% (fixed), you would pay 47 monthly instalments of £276.46 and final instalment of 276.25. The total charge for credit will be £3269.87 and the total amount payable will be £13,269.87
We don't have any reviews for Yorkshire Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • You don’t need to be a Yorkshire Bank customer to apply
  • You can make additional payments to the loan at any time
  • Able to contact them over the phone, in branch and online chat
  • Allow top-ups
  • Instant online decision during opening hours

Watch out for

  • You must be aged at least 18
  • You must have a permanent UK address
  • You will need to have a good credit history
  • You will need to have a UK bank account
  • You must have a debit and/or credit card

Fees & charges

  • Maximum APR 20.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.3% APR Representative
Time to apply
OK 02m 50s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £7500 over 12 months at a representative rate of 3.3% APR and an annual interest rate of 3.30% (fixed), you would pay 60 monthly instalments of £135.60. The total charge for credit will be £636 and the total amount payable will be £8,136.00
We don't have any reviews for Tesco Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £35,000
  • Loan term: 12 - 120 months

Top choice for

  • Two month repayment break at the start of the loan
  • Instant decision when you apply online
  • Clubcard rate for Clubcard holders
  • Fixed monthly repayments make budgeting easy
  • Loan terms available up to 10 years

Watch out for

  • You must be aged between 18 and 74
  • You will need to be in employment or have a regular income
  • You must have lived in the UK for 3 years or more
  • You will need to have a UK personal current account

Fees & charges

  • Maximum APR 17.6%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £12
4.9% APR Representative
Time to apply
Slow 10m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7,500 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 £140.83. The total charge for credit will be £949.80 and the total amount payable will be £8,449.80.
We don't have any reviews for Co-Operative Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Easy to use and detailed website
  • Low interest rates
  • Fixed monthly payment to help with budgeting
  • Call centres open 24 hours a day, 7 days a week

Watch out for

  • You must be aged 18 or over
  • You must be a UK resident
  • A Co-operative Bank or Britannia account holder for at least a month
  • No CCJs
  • No more than three missed credit payments in six months

Fees & charges

  • Maximum APR 4.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.3% APR Representative
Time to apply
Slow 06m 00s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £7,000 over 84 months at a representative rate of 3.3% APR and an annual interest rate of 3.3% (fixed), you would pay 84 monthly instalments of £93.29. The total charge for credit will be £619.28 and the total amount payable will be £7,836.15.
We don't have any reviews for First Direct Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Easy online application and loan management
  • Approved applicants have funds almost immediately
  • Able to overpay and reduce interest over loan term
  • Low interest rates

Watch out for

  • You must be a First Direct 1st Account customer
  • You will need to have good credit history

Fees & charges

  • Maximum APR 7.5%
  • Arrangement fee: £0
  • Early repayment fee: £3
  • Late payment penalties: £0
3.4% APR Representative
Time to apply
OK 03m 47s
Application Time
OPTIOSCORE
Great
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.
We don't have any reviews for Nationwide Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • Low representative APR
  • Beat any like-for-like rate by 0.5% APR for main current account customers
  • Online quote doesn’t leave a credit footprint
  • Online management portal for making payments and checking balance

Watch out for

  • Must be aged between 18 and 79
  • Must have a net monthly income of at least £700
  • Must have the right to live and work in the UK
  • Can’t have missed 3 credit commitments in the last year
  • Must not be currently bankrupt, have CCJs or be under an IVA
  • Self-employed customers must prove 1 year’s income
  • Joint applicants must live at the same address

Fees & charges

  • Maximum APR 10.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
2.9% APR Representative
Time to apply
OK 03m 30s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 2.9% APR and an annual interest rate of 2.91% (fixed), you would pay 60 monthly instalments of £179.28. The total charge for credit will be £756.80 and the total amount payable will be £10,756.80.
We don't have any reviews for TSB Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Personalised online quote doesn’t leave a credit footprint
  • You don’t have to be a TSB customer to apply
  • Funds available immediately for TSB customers
  • Repayment holidays available
  • Overpayments and early settlement of the loan accepted
  • No arrangement fees charged

Watch out for

  • You will need to have good credit
  • No bankruptcy or CCJs with in the last five years
  • You will need to be a UK resident
  • You must be aged 21 or over
  • You must be on the electoral roll
  • Your bank account must have Direct Debit facility
  • You cannot live on the Isle of Man or Channel Islands
  • You must be employed
  • You must earn £10,200 or over a year

Fees & charges

  • Maximum APR 29.8%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £25
5.9% APR Representative
Time to apply
Slow 08m 20s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for Metro Bank.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,000 - £20,000
  • Loan term: 12 - 60 months

Top choice for

  • Standard 5.9% interest rate for each applicant
  • Funds paid directly into Metro Bank Current Account
  • No default charges for missed payments
  • Late opening hours and telephone team available 24/7

Watch out for

  • You must be aged 18 or over
  • You must be a UK resident
  • You will need to provide proof of your identity and address
  • You must have a Metro Bank current account

Fees & charges

  • Maximum APR 5.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.9% APR Representative
Time to apply
OK 03m 30s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for Ulster Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £35,000
  • Loan term: 12 - 84 months

Top choice for

  • Online banking customers can get their loan the next working day
  • Loan term up to ten years available
  • Simple application process
  • Loans can be used for a variety of purposes

Watch out for

  • You need to be aged 18 or over
  • You must have had an Ulster Bank current account for at least 6 months
  • No bankruptcy, CCJs or Court Decrees

Fees & charges

  • Maximum APR 24.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.7% APR Representative
Time to apply
Slow 05m 21s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £12,500 over 48 months at a Representative rate of 3.0% APR and an annual interest rate of 3.0% (fixed), you would pay 47 monthly instalments of £276.46 and final instalment of 276.25. The total charge for credit will be £769.87 and the total amount payable will be £13,269.87.
We don't have any reviews for Clydesdale Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • You do not need to a be current customer
  • Online account management
  • Instant decision online, over the phone or in branch
  • You can choose to make weekly or monthly repayments

Watch out for

  • You must be aged 18 or over
  • You will need to have good credit history
  • You must have a permanent UK address
  • You must have a UK bank account
  • You will need to have a debit and/or credit card

Fees & charges

  • Maximum APR 24.5%
  • Arrangement fee: £0
  • Early repayment fee: £20
  • Late payment penalties: £0
3.9% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Great
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
We don't have any reviews for The Royal Bank of Scotland Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Rates are the same for both new and long-standing customers
  • Keep an eye on the loan with online banking
  • They allow top ups
  • Funds available next working day for digital banking customers

Watch out for

  • You must be aged at least 18
  • You must have a regular income and prove affordability
  • You must have good credit history
  • You need to be an existing The Royal Bank of Scotland customer

Fees & charges

  • Maximum APR 24.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
7.5% APR Representative
Time to apply
Slow 05m 51s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 7.5% APR and an annual interest rate of 6.90% (fixed), you would pay 60 monthly instalments of £139.46. The total charge for credit will be £1,367.60 and the total amount payable will be £8,867.60.
We don't have any reviews for Bank of Ireland Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 6 - 60 months

Top choice for

  • Two repayment holidays each year whilst you repay the loan
  • Low rates on borrowing regardless of whether you're in Ireland or on the mainland UK
  • Irish bank that lends to those on the mainland of the UK too
  • You can get a quote on the Bank of Ireland website without it affecting your credit rating

Watch out for

  • You will need a good credit history to apply to Bank of Ireland
  • You need to have held a Bank of Ireland current account for six months prior to applying
  • Payment holidays will need to be selected before you get your loan

Fees & charges

  • Maximum APR 19.9%
  • Arrangement fee: £65
  • Early repayment fee: £0
  • Late payment penalties: £0
11.9% APR Representative
Time to apply
Slow 10m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £6,000 over 60 months at a Representative rate of 11.9% APR and an annual interest rate of 11.30% (fixed), you would pay 60 monthly instalments of £134.34. The total charge for credit will be £1880.40 and the total amount payable will be £7880.40.
We don't have any reviews for Lloyds Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • Free personalised quote leaves no credit footprint
  • 0.5% discount applied for Club Lloyds customers
  • Repayment holidays available
  • Flexible repayment options

Watch out for

  • Must have had a Lloyds Bank current account for at least 3 months
  • You must be over 18
  • You must be a UK resident
  • You will need to have good credit

Fees & charges

  • Maximum APR 26.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
4.9% APR Representative
Time to apply
Not known
OPTIOSCORE
Good
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.
We don't have any reviews for Smile Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Easy online application
  • Monthly repayments fixed to help with budgeting
  • No arrangement fees or charges
  • Online portal for an overview of the loan

Watch out for

  • You must be a UK resident
  • You will need to be aged over 21
  • You will need to have held a Smile account for at least 1 month

Fees & charges

  • Maximum APR 20.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
5.5% APR Representative
Time to apply
Slow 08m 20s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £6,500 over 36 months at a Representative rate of 5.5% APR and an annual interest rate of 5.50% (fixed), you would pay 36 monthly instalments of £195.88. The total charge for credit will be £551.67 and the total amount payable will be £7,051.67.
We don't have any reviews for Danske Bank Fixed Rate Personal Loan.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 64 months

Top choice for

  • 0.5% discount on standard fixed rate loans
  • Fixed monthly repayments make budgeting easier
  • Available to both new and existing customers
  • Single and joint applications accepted

Watch out for

  • You will need to have good credit history
  • You must be over 18 years old
  • You must open a personal current account with Danske

Fees & charges

  • Maximum APR 19.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
8.9% APR Representative
Time to apply
Slow 05m 23s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £6,000 over 48 months at a representative rate of 8.9% APR and an annual interest rate of 8.56% (fixed), you would pay 48 monthly instalments of £148.05. The total charge for credit will be £1106.40 and the total amount payable will be £7,106.40.
We don't have any reviews for Bank of Scotland Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,499
  • Loan term: 12 - 60 months

Top choice for

  • Bank of Scotland loan customers can apply to borrow more money at any time
  • 0.7% discount applied between £7,500 and £25,000 for certain customers
  • Instant decision when applying online
  • Repayment holidays available
  • Portal for easy online management

Watch out for

  • Must be an existing Bank of Scotland customer to apply online
  • You can’t have been declined for credit in the last month
  • No CCJs, defaults or bankruptcy
  • You will need to be in paid employment or have regular income
  • Be a UK resident with a permanent UK address

Fees & charges

  • Maximum APR 27.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £25
3.3% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £10,000 over 48 months at a Representative rate of 3.3% APR and an annual interest rate of 3.3% (fixed), you would pay 48 monthly instalments of £222.45. The total charge for credit will be £677.60 and the total amount payable will be £10,677.60.
We don't have any reviews for Ikano Bank.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £15,000
  • Loan term: 12 - 60 months

Top choice for

  • You can apply online in less than 10 minutes
  • Market leading interest rate
  • No fees for early repayments
  • No impact on credit file for online quote

Watch out for

  • You will need to be a UK resident
  • Aged 18 years or over
  • You must earn at least £10,000 per year
  • You will need to have good credit history
  • No CCJs, debt relief orders or IVAs
  • You must have a UK bank account with Direct Debit facilities

Fees & charges

  • Maximum APR 11.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £37
14.9% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £5,000 over 60 months at a Representative rate of 14.9% APR and an annual interest rate of 17.90% (fixed), you would pay 60 monthly instalments of £116.26. The total charge for credit will be £1,975.60 and the total amount payable will be £6,975.60.
We don't have any reviews for beSavvi.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,000 - £7,499
  • Loan term: 24 - 60 months

Top choice for

  • Online management tool available
  • Quick payout available for successful applicants
  • No paperwork, everything is completed online
  • No charges for early settlement or overpayments

Watch out for

  • You must be aged at least 21
  • You must be a permanent UK resident
  • You must have lived in the UK for at least 12 months
  • You will need your last 5 years’ address history
  • You will need to have a bank or building society account
  • You will need to be employed, self-employed or retired with a pension
  • No CCJs or defaults in the last 3 years

Fees & charges

  • Maximum APR 22.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £50
9.9% APR Representative
Time to apply
Slow 08m 20s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7.500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 36 monthly instalments of £240.17. The total charge for credit will be £1,146.12 and the total amount payable will be £8,646.12.
We don't have any reviews for Creation Personal Loan.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 24 - 60 months

Top choice for

  • No set up fees
  • Instant decision made online
  • Detailed application
  • Jargon buster guide on website

Watch out for

  • You will need to be ages between 23 and 70
  • You must have a minimum gross income of £12,000pa
  • You need a bank or building society current account
  • You need to have good credit history
  • Need to have been a permanent UK resident for at least three years

Fees & charges

  • Maximum APR 19.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
Representative Example: If you borrow £5,000 over 24 months at a Representative rate of 29.0% APR and an annual interest rate of 10.00% (fixed), you would pay 24 monthly instalments of £268.72. The total charge for credit will be £1,449.28 and the total amount payable will be £6,449.28.
We don't have any reviews for Guarantor My Loan (Homeowner).
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £10,000
  • Loan term: 12 - 60 months

Top choice for

  • No set up fees
  • Your guarantor will receive a month's payment back as a reward for you repaying your first 12 month's payments on time and in full

Watch out for

  • You must be a homeowner
  • Your guarantor must be a homeowner
  • Your guarantor cannot be your spouse or partner

Fees & charges

  • Maximum APR 29.01%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.2% APR Representative
Time to apply
OK 04m 10s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.2% APR and an annual interest rate of 3.2% (fixed), you would pay 60 monthly instalments of £137.29. The total charge for credit will be £678.64 and the total amount payable will be £8,117.40.
We don't have any reviews for Hitachi Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,500 - £15,000
  • Loan term: 24 - 60 months

Top choice for

  • No hidden or arrangement fees
  • Approved customers get funds within 48 hours
  • No charge for over-payments or early repayments
  • Good customer service reviews

Watch out for

  • You will need to be aged over 25
  • You must have good credit history
  • You will need to be in permanent paid employment, self-employed or retired and receiving a pension
  • You must be a permanent UK resident
  • You must have a bank or building society account

Fees & charges

  • Maximum APR 11.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £22
11.9% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for Lloyds Island Personal Loan.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • Fixed monthly repayments
  • No initial setup fee
  • Choose your own repayment date
  • Better interest rates for Island Gold and Island Premier account holders

Watch out for

  • Must be aged 18 or over
  • You will need to be a resident of the Channel Islands or Isle of Man
  • You must have a current account with Lloyds
  • You must have good credit history

Fees & charges

  • Maximum APR 14.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
9.9% APR Representative
Time to apply
OK 02m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7,500.00 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 7.72% (fixed) and total fees of £225, you would pay 36 monthly instalments of £240.15. The total charge for credit will be £1145.40 and the total amount payable will be £8,645.40.
We don't have any reviews for Lendable.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £15,000
  • Loan term: 12 - 60 months

Top choice for

  • Soft credit search takes only 30 seconds
  • Peer-to-peer lending
  • No upfront fees or hidden charges
  • Can be contacted by text
  • Funds can be with you within a couple of hours from approval

Watch out for

  • You must be a UK resident
  • You need to be aged at least 18
  • You must have a UK bank or building society current account

Fees & charges

  • Maximum APR 39.99%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £30
47.9% APR Representative
Time to apply
OK 01m 45s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for Likely Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £5,000
  • Loan term: 12 - 36 months

Top choice for

  • Simple online application only takes 5 minutes
  • No hidden charges or fees
  • They accept poor credit customers without requiring a guarantor
  • Instant decision online

Watch out for

  • Must be a UK citizen
  • You must be aged 18 or over
  • You must have some credit history
  • You will need to have a bank or building society account
  • No bankruptcy in the last 12 months
  • You must have an income (salary or pension)
  • You can be a homeowner or tenant

Fees & charges

  • Maximum APR 47.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.9% APR Representative
Time to apply
OK 03m 20s
Application Time
OPTIOSCORE
Great
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.
We don't have any reviews for RateSetter Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 6 - 60 months

Top choice for

  • Peer-to-peer style of lending
  • Soft credit check that doesn’t leave footprint
  • Loan could be in your account within 24 hours
  • No fees for overpayments or early settlements

Watch out for

  • You must be over 21
  • You will need to have a UK bank or building society account
  • You must have been a UK resident for over 3 years
  • You must have a regular income
  • You must have good credit history

Fees & charges

  • Maximum APR 7.3%
  • Arrangement fee: £5
  • Early repayment fee: £0
  • Late payment penalties: £10
3.8% APR Representative
Time to apply
OK 03m 10s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for RAC Personal Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,500 - £25,000
  • Loan term: 24 - 60 months

Top choice for

  • Online application with instant decision
  • Well-known household name
  • Funds could be available the next day
  • Competitive representative APR
  • No hidden fees or charges

Watch out for

  • You must be aged 18 or over
  • You will need to have a bank or building society account
  • Must be a permanent UK resident for at least 12 months
  • You must be employed, self-employed or retired with a pension
  • You must have good credit history

Fees & charges

  • Maximum APR 7.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £22
2.9% APR Representative
Time to apply
OK 02m 00s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 2.9% APR and an annual interest rate of 2.90% (fixed), you would pay 60 monthly instalments of £179.07. The total charge for credit will be £744.20 and the total amount payable will be £10,744.20.
We don't have any reviews for Sainsbury's Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £40,000
  • Loan term: 12 - 84 months

Top choice for

  • 2 month repayment holiday at the start of the loan available
  • Dealing with a household name
  • Better rates for Nectar card holders
  • Price promise on like for like-for-like loans

Watch out for

  • You must be aged between 18 and 80
  • You will need to be aged less than 83 when the loan is repaid
  • You must have a UK bank or building society account with Direct Debit facility
  • You must have a permanent UK address
  • You must have a household gross income of at least £7,500
  • No CCJs or bankruptcy

Fees & charges

  • Maximum APR 12.5%
  • Arrangement fee: £0
  • Early repayment fee: £5
  • Late payment penalties: £25
3.6% APR Representative
Time to apply
Slow 06m 33s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 3.6% APR and an annual interest rate of 3.60% (), you would pay 60 monthly instalments of £182.10. The total charge for credit will be £926.00 and the total amount payable will be £10,926.00.
We don't have any reviews for Post Office Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Instant decision
  • Can have payment breaks of up to 2 months per year, Subject to certain conditions

Watch out for

  • You must be 21 years of age or older to apply
  • You cannot have any CCJ's registered against you
  • You must be earning a minimum of £12,000 per year
  • Post Office Money® Personal Loans are provided by Bank of Ireland (UK). Post Office Limited is a credit broker and not a lender
  • You must have been a UK resident for three years or longer

Fees & charges

  • Maximum APR 17.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.2% APR Representative
Time to apply
OK 02m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £10,000.00 over 60 months at a Representative rate of 3.2% APR and an annual interest rate of 2.7% (fixed) and a fee of £110, you would pay 60 monthly installments of £180.37. The total charge for credit will be £10,110 and the total amount payable will be £10,822.
We don't have any reviews for Zopa Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 24 - 60 months

Top choice for

  • Top-ups are allowed up to a total of £25,000
  • Peer-to-peer style lending
  • Money Supermarket’s Best Personal Loans Provider 2016
  • No charges for early settlement or overpayments

Watch out for

  • You must have good credit history
  • You need to be aged over 20
  • You must be a UK resident
  • You will need to have 3 years’ address history in the UK
  • You must be employed, self-employed or retired with a pension
  • You must have an income of at least £12,000 per year
  • You must be able to afford the loan
  • You will need to confirm your identity

Fees & charges

  • Maximum APR 3.2%
  • Arrangement fee: £110
  • Early repayment fee: £0
  • Late payment penalties: £0
3% APR Representative
Time to apply
OK 04m 21s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £10,000 over 48 months at a representative rate of 3.0% APR and an annual interest rate of 3.00% (fixed), you would pay 48 monthly instalments of £221.15. The total charge for credit will be £615.20 and the total amount payable will be £10,615.20.
We don't have any reviews for Marks & Spencer Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • One of the UK's most-loved brands
  • Able to defer repayments for three months
  • No credit footprint left by online quote
  • Fixed monthly repayments
  • Payment holidays available

Watch out for

  • You will need to be aged 18 or over
  • You must be a UK resident
  • You need to have an income of over £10,000 per year
  • You will need to have good credit history

Fees & charges

  • Maximum APR 18.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0

Good credit loans, as obvious as it may sound, are loans for those with a good credit profile (learn more about credit profiles). If you’ve never ever missed a repayment and are on track with your finances, then you’ll more than likely have a good credit profile and this is the comparison table for you. If you’ve missed no more than one or two payments in the past six months then it’s likely that you have what’s known as a fair credit profile. If you have missed any more than just a couple of payments or have never had any credit accounts, then you will most likely have a bad credit profile and should instead visit our bad credit loans page .

The products you’ll find in our good credit loan comparison table comprises of bank loans, supermarket loans and peer to peer loans, all of whom will offer loans at rates less than 32%. 

Bank loans

Bank loans range from £500 and £25,000 with rates as low as 3.2% and repayment periods stretching from one to seven years. Every bank loan featured here is a straight instalment loan with no security required, however, some lenders in this bracket may ask for you to be a homeowner to get access to their lower rates of interest. We’ve included bank loans in the comparison table below but also have a page dedicated to bank loans here.

Supermarket loans

Over the past five years, the majority of supermarkets have been granted banking licenses and are offering unsecured instalment loans to customers with good credit profiles. Loan amounts range from £1000 to £25,000, rates range from single figures (in some cases as low as 3.3%) up into the mid teens and repayment periods range from one to five years. We’ve also included supermarket loans in the comparison table below and have a dedicated comparison page for supermarket loans here.

Peer to peer

Peer to peer lenders connect savers with potential borrowers, offering competitive rates of interest to both. Loan amounts, repayment periods and interest rates are all pitched at similar levels to banks loans and supermarket loans. Peer to peer lenders have been included in the comparison table below.

What not to do

Good credit loans are exactly what they say on the tin, loans for those with a good credit history. If you know you have bad or even fair credit you’re in the wrong place. If you apply with the lenders in this comparison table it is highly likely you will be declined, further harming your credit file. This will make it increasingly difficult to get accepted for the best rates in the future. If you don’t know your credit score you can easily find it out for free by visiting credit scoring sites such as ​ClearScore or Noddle. If you do have a poor credit history you will better off checking our bad credit comparison table.

It's also worth noting that depending on how much you borrow, the advertised rate may differ. This is especially the case with bank and supermarket loans which offer an extensive range of amounts over varying periods. 

Acceptance criteria

When applying for a good credit loan you will have to have a spotless credit file. You must be over 18 years old, have a UK bank account, a valid debit card and be able to convince the lender you’ll be able to afford the repayments. 

Final word

Good credit loans are in the upper tier of the personal loans market and with stringent acceptance criteria are strictly reserved for those with good credit. If you have anything but a perfect credit file you’re in the wrong place and should pop over to our bad credit comparison tables.

You can personalise these results with our loan search.