Holiday Loans

Personal loans to finance your trip of a lifetime.

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99.9% APR Representative
Time to apply
OK 02m 43s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for 118 118 Money.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £5,000
  • Loan term: 12 - 24 months

Top choice for

  • Quick application process and decision
  • No interest is charged on your birthday
  • Customer service team available via live chat 24/7
  • Overpayments made without charge

Watch out for

  • You must be between 18 and 70 years old to apply
  • You must apply online
  • You must be a UK resident
  • You must have a bank account with debit card facilities
  • You must receive a net monthly income of at least £700

Fees & charges

  • Maximum APR 99.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £12
18.9% APR Representative
Time to apply
Slow 06m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3000 over 36 months at a representative rate of 18.9% APR and an annual interest rate of 18.9% (fixed), you would pay 60 monthly instalments of £107.61. The total charge for credit will be £874.01 and the total amount payable will be £3,874.01.
We don't have any reviews for HSBC Bank Loans £3,000 - £4,999.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £3,000 - £4,999
  • Loan term: 12 - 60 months

Top choice for

  • Instant decision (subject to planned maintenance periods)
  • Overpayments or part payments allowed without charge
  • Repayment holidays available - although more interest will be payable
  • You may not need to provide any documents if you are a current account holder

Watch out for

  • You must have a HSBC current account

Fees & charges

  • Maximum APR 18.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
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
49.9% APR Representative
Time to apply
Fast 01m 33s
Application Time
OPTIOSCORE
Great
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.
We don't have any reviews for Amigo Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £7,500
  • Loan term: 12 - 60 months

Top choice for

  • No fees of any kind
  • You don't need to have a good credit history
  • You don't need to have direct debit facilities
  • Your guarantor does not need to own their home
  • You don't have to have been a resident of the UK for a specified length of time

Watch out for

  • You will need a guarantor
  • If you have a poor credit history, it's likely your guarantor will need to be a homeowner
  • Your guarantor will need to make your repayments if you can't afford to

Fees & charges

  • Maximum APR 49.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
49.7% APR Representative
Time to apply
OK 03m 15s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for Bamboo Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £8,000
  • Loan term: 12 - 60 months

Top choice for

  • You don’t need perfect credit history
  • Easy payment management with online portal
  • Your guarantor can be your partner
  • Your guarantor does not need to be a homeowner

Watch out for

  • You and your guarantor must be over 21
  • Your guarantor will also need a good credit rating
  • Your guarantor must not be a customer of Bamboo
  • Your guarantor will need a UK bank account
  • Your sole income cannot be from Job Seekers Allowance

Fees & charges

  • Maximum APR 49.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £12
49.7% APR Representative
Time to apply
OK 02m 10s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for George Banco.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £7,500
  • Loan term: 12 - 60 months

Top choice for

  • Fast track same day payout
  • Customer and regulation focussed
  • Positive reviews online
  • Available to customers with bad credit

Watch out for

  • Your guarantor will need to be over 25 years old
  • Your guarantor must have good credit history
  • Both must not be under an IVA or bankruptcy
  • Your guarantor must have a minimum income of £1,000pm
  • Both must have a valid UK bank account and debit card

Fees & charges

  • Maximum APR 49.7%
  • Arrangement fee: £100
  • 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
3.9% 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
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
3.9% 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
79.4% APR Representative
Time to apply
OK 01m 46s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for Everyday Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £15,000
  • Loan term: 24 - 60 months

Top choice for

  • Aimed at those with bad credit history
  • Positive customer reviews online
  • Advice articles for improving credit on their website

Watch out for

  • You must be aged 18 years or over
  • You will need to be in full time employment

Fees & charges

  • Maximum APR 79.4%
  • 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
99% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £1,200 over 52 weeks at a representative rate of 99% 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.
We don't have any reviews for Oakam Lift Loan.
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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

  • Flexible payment plan
  • Their team can speak over 27 languages
  • Mobile app allows easy management of the loan
  • Refer a friend and receive £10
  • No fees or charges for settling the loan early

Watch out for

  • You must be aged over 18
  • You will need to have been in the UK for at least 6 months
  • You must earn at least £700 per month
  • You must not be in debt management
  • You can’t be bankrupt or have an IVA

Fees & charges

  • Maximum APR 99%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
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
3.8% 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
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
52.6% APR Representative
Time to apply
Fast 01m 23s
Application Time
OPTIOSCORE
Okay
Representative Example: If you borrow £6,000 over 120 months at a Representative rate of 52.6% APR and an annual interest rate of 40.34% (variable), you would pay 120 monthly instalments of £181.94. The total charge for credit will be £16,832.80 and the total amount payable will be £22,832.80.
We don't have any reviews for Progressive Money.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £15,000
  • Loan term: 24 - 180 months

Top choice for

  • Loans available up to 15 years
  • Quick online enquiry that doesn’t leave credit footprint
  • Funds paid directly into your account

Watch out for

  • You must be a homeowner and live in that home
  • You will need to be employed and earn £800 per month
  • You will need to be aged between 21 and 70
  • You will need to be able to afford the monthly repayments

Fees & charges

  • Maximum APR 52.62%
  • Arrangement fee: £295
  • Early repayment fee: £0
  • Late payment penalties: £0
45.3% APR Representative
Time to apply
OK 03m 12s
Application Time
OPTIOSCORE
Good
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.
We don't have any reviews for On Stride.
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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 early repayment or late fees
  • Simple online application
  • Funds available same day as approval
  • Rates based on your credit history

Watch out for

  • You must be aged 18 or over
  • You need to have a UK bank account
  • You will need a valid debit card to repay the loan
  • You must be employed and receive a regular paycheque
  • You must be a resident of the UK

Fees & charges

  • Maximum APR 89%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
43.8% APR Representative
Time to apply
Fast 01m 31s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 43.8% APR and an annual interest rate of 36.90% (fixed), you would pay 36 monthly instalments of £185.27. The total charge for credit will be £2,669.72 and the total amount payable will be £6,669.72.
We don't have any reviews for TrustTwo.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £7,500
  • Loan term: 12 - 60 months

Top choice for

  • You don’t need to have good credit history
  • Your guarantor can be a tenant or homeowner
  • You can choose weekly or monthly repayments
  • They don’t charge any upfront fees

Watch out for

  • You will need to be aged over 18 years
  • You must be a UK resident
  • No bankruptcy, IVAs or debt management plans
  • Your guarantor must be aged between 25 and 74
  • Your guarantor can be someone close to you but not a spouse

Fees & charges

  • Maximum APR 43.8%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0

A holiday loan is a personal loan used specifically to fund a holiday. A holiday is very much a luxury item and when planning a trip your first stop for finance should always be your savings. However, if you're planning the trip of the lifetime and your savings can’t cover it, a low rate unsecured personal loan can be a suitable and convenient option. Above is a comparison table of all holiday loan providers. 

What not to do

Beware, the lowest rates shown above are reserved for those with a spotless credit history. If your credit score is anything less than perfect do not apply for these loans as your application will be declined. This is likely to harm your credit file, making it increasingly difficult to get accepted for the best rates in the future. If you have a bad credit history, you’re better off visiting our page on loans for bad credit

High-cost short-term loans 

High-cost short-term loans (HCST), commonly known as payday loans are, as their title suggests, loans designed to be repaid over a short term. Loans range from £100 to £1000 and are generally repaid within 6 months. 

HCST loans sit at the pricier end of the scale and should be considered for use only as a last resort. If you are thinking of a HCST loan be sure to compare your options first and be absolutely positive you can afford the repayments before you apply. HCST lenders are not featured in this table but we do have a page dedicated to comparing short term loans here

Pricing and things to watch out for

Nearly all lenders will lend for the purpose of a holiday. The rates vary substantially across the market, so be sure to compare your options first - it can make a huge difference to the total you repay.  If you do have bad credit, a credit card can be a cheaper and more flexible way of short-term borrowing whilst providing you with extra security when spending abroad. On the reverse, a number of airlines and travel companies charge a fee for paying with a credit card. This is the same story with a lot of the banks who often charge a fee for any foreign transactions or withdrawals. The advantage of using a personal loan to fund your holiday is you can spend it like cash, meaning you won’t have to pay these fees. 

Acceptance criteria

Criteria will differ from lender to lender, however as a minimum, you’ll have to be at least 18 years old, have a UK bank account, a valid debit card and be able to convince the lender that you’ll be able to meet the repayments. If you are applying for a bank or supermarket loan then you’ll need a spotless credit score

Final word

The bottom line is when looking to finance a holiday always try and use your savings. However, If you’re planning a particularly monumental trip and your savings don’t cover it then a low rate personal loan is worth considering. If you have bad credit then there may be cheaper options such as a credit card or overdraft. When applying for a holiday loan if there’s any doubt you can afford the repayments do not apply. 

You can personalise these results with our loan search.