Small loans

Compare loans from £1,000 - £5,000 and apply online.

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45.4% APR Representative
Time to apply
OK 02m 48s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 45.4% APR and an annual interest rate of 23.00% (fixed), you would pay 36 monthly instalments of £140.84. The total charge for credit will be £2,070.24 and the total amount payable will be £5,070.24.
We don't have any reviews for 1 Plus 1.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £5,000
  • Loan term: 12 - 60 months

Top choice for

  • You don't need to have a good credit history
  • Existing customers can borrow up to £5,000
  • Quick application, money usually transferred within 24 hours
  • Competitive APR
  • Your guarantor can be a homeowner or a tenant

Watch out for

  • You must have a guarantor
  • Your guarantor must be older than 18 years old and no older than 75 years when the loan completes
  • Your guarantor will need to make the repayments if you cant afford to
  • Your guarantor must have have a good credit history

Fees & charges

  • Maximum APR 45.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £15
12.4% APR Representative
Time to apply
OK 02m 00s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £2,000 over 36 months at a Representative rate of 12.4% APR and an annual interest rate of 12.4% (fixed), you would pay 36 monthly instalments of £66.19. The total charge for credit will be £796.40 and the total amount payable will be £2382.84.
We don't have any reviews for Sainsbury's Loans £1,000 - £2,999.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,999
  • Loan term: 12 - 60 months

Top choice for

  • Lower rates for active Nectar card members
  • Optional 2 month repayment holiday at the start of the loan
  • Price Promise on like-for-like loan elsewhere

Watch out for

  • They do not offer loans to people who have been refused credit in the past 30 days
  • You must have been a UK resident for 1 year or longer and have a permanent UK address
  • You must not have a history of bad credit such as arrears, CCJ's, payment defaults or bankruptcy
  • You need: bank/building society details, residential address for the last 3 years, details of monthly income/outgoings, employer's name and address and Nectar card number (if applicable)
  • You must be 18 years of age or older to apply
  • You cannot have been declined credit within the last month
  • You must be in full-time, part-time or self employment earning £800 per month

Fees & charges

  • Maximum APR 12.5%
  • Arrangement fee: £0
  • Early repayment fee: £5
  • Late payment penalties: £25
18.9% APR Representative
Time to apply
Slow 06m 00s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £1,000 over 84 months at a representative rate of 18.9% APR and an annual interest rate of 18.9% (fixed), you would pay 84 monthly instalments of £20.69. The total charge for credit will be £737.87 and the total amount payable will be £1,737.87.
We don't have any reviews for First Direct Bank Loans £1,000 - £2,450.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,450
  • Loan term: 12 - 84 months

Top choice for

  • Easy online application and loan management

Watch out for

  • Only for existing First Direct customers
  • You must be in full-time, part-time or self-employment earning at least £700 per month

Fees & charges

  • Maximum APR 18.9%
  • Arrangement fee: £0
  • Early repayment fee: £3
  • Late payment penalties: £0
20.9% APR Representative
Time to apply
OK 03m 30s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £1,000 over 24 months at a Representative rate of 20.9% APR and an annual interest rate of 20.90% (fixed), you would pay 23 monthly instalments of £50.48 and a final payment of £50.29. The total charge for credit will be £211.33 and the total amount payable will be £1211.33.
We don't have any reviews for Yorkshire Bank Loans £1,000 - £2,999.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,999
  • Loan term: 12 - 60 months

Top choice for

  • Instant decision when you apply online, existing customers get money on the day loan is drawndown and new customers within 4 working days

Watch out for

  • You must have a good credit history
  • You will need: your employer's details, your bank account's details, your income and other financial repayment details, your monthly mortgage/rent/board payment details and your business details (if self-employed)
  • If self-employed you must have 3 years accounts/income letter/tax assessment OR 2 years accounts/income letter/tax assessment and a projected 3rd year

Fees & charges

  • Maximum APR 20.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
26.7% 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 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 £1,000 - £2,999.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,999
  • Loan term: 12 - 60 months

Top choice for

  • No charge to pay off your loan early on Flexible Loan
  • Loyal customers that have Lloyds current account for more than 5 years can get 1% discount on certain loans
  • Repayment holidays are available if you meet certain conditions.
  • A personalised quote with no credit footprint
  • Great flexibility, with the option to overpay or even take a loan repayment holiday

Watch out for

  • You must be their customer for more than 3 months

Fees & charges

  • Maximum APR 27.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
20.9% APR Representative
Time to apply
Slow 05m 21s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £1,000 over 24 months at a representative rate of 20.9% APR and an annual interest rate of 20.9% (fixed), you would pay 23 monthly instalments of £50.48 and final instalment of 50.29. The total charge for credit will be £201.51 and the total amount payable will be £1,211.33.
We don't have any reviews for Clydesdale Bank Loans £1,000 - £2,999.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,999
  • Loan term: 12 - 60 months

Top choice for

  • Print and post your paperwork - for faster access to your funds
  • Existing customers with Clydesdale bank account get money on the same day documents arrive

Watch out for

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

Fees & charges

  • Maximum APR 20.9%
  • Arrangement fee: £0
  • Early repayment fee: £20
  • Late payment penalties: £0
29.8% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £1,000 over 24 months at a Representative rate of 29.8% APR and an annual interest rate of 26.40% (fixed), you would pay 24 monthly instalments of £54.08. The total charge for credit will be £297.92 and the total amount payable will be £1297.92.
We don't have any reviews for TSB Bank Loans £1,000 - £2,999.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,999
  • Loan term: 12 - 60 months

Top choice for

  • Repayment holidays are available if you meet certain conditions.
  • A personalised quote with no credit footprint
  • Flexible repayment options available

Watch out for

  • You must be their customer for more than 3 months

Fees & charges

  • Maximum APR 29.8%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
28.9% 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 £1,000 - £2,900.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,900
  • Loan term: 12 - 84 months

Top choice for

  • Apply for and manage your loan in branch, over the phone or online
  • No charge to pay off your loan early for Clarity loan customers

Watch out for

  • Certain purposes of loan may be excluded or have limited repayment periods

Fees & charges

  • Maximum APR 28.9%
  • Arrangement fee: £0
  • Early repayment fee: £25
  • Late payment penalties: £25
18.5% APR Representative
Time to apply
OK 04m 21s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £1,500 over 36 months at a representative rate of 18.5% APR and an annual interest rate of 18.5% (fixed), you would pay 36 monthly instalments of £53.54. The total charge for credit will be £427.44 and the total amount payable will be £1927.44.
We don't have any reviews for Marks & Spencer Loans £1,000 - £2,999.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,999
  • Loan term: 12 - 60 months

Top choice for

  • You don't have to be a M&S cardholder to apply
  • Better rates for M&S cardholders
  • Repayment holidays up to 3 months at the start of the loan

Watch out for

  • You must be at least 30 years of age or 18 and homeowner
  • Must provide 3 months bank statements
  • Must have details of 3 years previous addresses.
  • Must provide income and employment details

Fees & charges

  • Maximum APR 18.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
13.9% 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 £1,000 - £2,999.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,999
  • Loan term: 12 - 60 months

Top choice for

  • Cheaper interest rates if you have paid £750 or more per month into your FlexAccount for the last 3 months OR if you agree to transfer all your direct debits and standing orders from your account with another bank using their Account Transfer Service
  • One of the cheaper options on the market, with a representative APR lower than a lot of the the other main high street banks

Watch out for

  • All applicants must have been living in the UK for the last 12 months and have the right to work in the UK
  • You must have a good credit history
  • You must not have had 3 missed payments on any credit over the past 12 months

Fees & charges

  • Maximum APR 13.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
24.9% 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 £1,000 - £2,950.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,950
  • Loan term: 12 - 60 months

Top choice for

  • If applied online decision in minutes
  • No impact on credit rating for quotes
  • Loan for up to 10 years if borrowing for home improvements

Watch out for

  • You must have a good credit history

Fees & charges

  • Maximum APR 24.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
24.9% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £2,000 over 24 months at a representative rate of 24.9% APR and an annual interest rate of 24.90% (fixed), you would pay 24 monthly instalments of £104.19. The total charge for credit will be £500.56 and the total amount payable will be £2,500.56
We don't have any reviews for The Royal Bank of Scotland Loans £1,000 - £2,950.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,950
  • Loan term: 12 - 60 months

Top choice for

  • Quick decision when applying online
  • No impact on credit rating when applying

Watch out for

  • You must be an existing Royal Bank of Scotland current account customer

Fees & charges

  • Maximum APR 24.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
22.9% APR Representative
Time to apply
Not known
OPTIOSCORE
Good
Representative Example: If you borrow £2,000 over 24 months at a Representative rate of 22.9% APR and an annual interest rate of 22.90% (fixed), you would pay 24 monthly instalments of £102.57. The total charge for credit will be £461.75 and the total amount payable will be £2,461.75.
We don't have any reviews for Barclays Bank Loans £1,000 - £4,999.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £4,999
  • Loan term: 24 - 60 months

Top choice for

  • They offer price guarantee on their loans on like-for-like loans (terms and conditions apply)
  • As their customer you can have a pre-selected loan limit, without affecting your credit rating
  • Instant money when you apply online

Watch out for

  • You need to have Barclays current account for over 7 months

Fees & charges

  • Maximum APR 22.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
27.9% APR Representative
Time to apply
Slow 08m 20s
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 £1,000 - £2,499.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,499
  • Loan term: 12 - 60 months

Top choice for

  • You can take payment holidays during your loan term

Watch out for

  • You must have one of the following Bank of Scotland products; current account (excluding Easycash), savings account, credit card or personal loan. You can also qualify if you have a Halifax mortgage
  • You must be in paid employment and not in full time education

Fees & charges

  • Maximum APR 27.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £25
21.9% APR Representative
Time to apply
Slow 06m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £1,000 over 12 months at a representative rate of 21.9% APR and an annual interest rate of 21.9% (fixed), you would pay 12 monthly instalments of £92.62. The total charge for credit will be £111.43 and the total amount payable will be £1,111.43.
We don't have any reviews for HSBC Bank Loans £1,000 - £2,999.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,999
  • 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 21.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
17.6% APR Representative
Time to apply
OK 02m 50s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £1000 over 12 months at a representative rate of 17.6% APR and an annual interest rate of 17.60% (fixed), you would pay 12 monthly instalments of £90.88. The total charge for credit will be £90.88 and the total amount payable will be £1090.56.
We don't have any reviews for Tesco Loans £1,000 - £2,999 NEW.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £2,999
  • Loan term: 12 - 120 months

Top choice for

  • Fixed monthly payments on your chosen date
  • Payment break option at the start of your loan (subject to eligibility)

Watch out for

  • You need to have very good credit history to get lower rates

Fees & charges

  • Maximum APR 17.6%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £12
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
20.9% APR Representative
Time to apply
Slow 10m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,000 over 60 months at a Representative rate of 20.9% APR and an annual interest rate of 19.78% (fixed), you would pay 60 monthly instalments of £52.02. The total charge for credit will be £1,121.20 and the total amount payable will be £3,120.20.
We don't have any reviews for Co-Operative Bank Loans (£2,000-£2,999).
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,000 - £2,950
  • Loan term: 12 - 84 months

Top choice for

  • No arrangement fees

Watch out for

  • You must have been a UK resident for 1 year or longer
  • You need: your home address from the last 3 years, your bank account details (sort code and account number), your employer's name and address and details of any Co-Operative accounts you may hold
  • You must be between age 23 and 69 to apply

Fees & charges

  • Maximum APR 20.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
20.9% 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 £2,000 - £2,950.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,000 - £2,950
  • Loan term: 12 - 84 months

Top choice for

  • Competitive 4.9% APR representative on loans between £7,500 and £14,950
  • It doesn't matter if you haven't been in the UK for a specified length of time

Watch out for

  • To apply you must have held a smile current account for over 7 months
  • You must be in full-time, part-time or self-employment earning £800 per month OR in education
  • You must have a good credit history

Fees & charges

  • Maximum APR 20.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
22.9% APR Representative
Time to apply
Slow 08m 20s
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 £2,500 - £4,999.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,500 - £4,999
  • Loan term: 12 - 60 months

Top choice for

  • You can take payment holidays during your loan term

Watch out for

  • You must have one of the following Bank of Scotland products; current account (excluding Easycash), savings account, credit card or personal loan. You can also qualify if you have a Halifax mortgage
  • You must be in paid employment and not in full time education

Fees & charges

  • Maximum APR 22.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £25
12.3% APR Representative
Time to apply
OK 03m 19s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.5% APR and an annual interest rate of 3.5% (fixed), you would pay 60 monthly instalments of £136.25. The total charge for credit will be £675.00 and the total amount payable will be £8,175.00.
We don't have any reviews for Hitachi Loans £2,500 - £2,999.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,500 - £2,999
  • Loan term: 24 - 60 months

Top choice for

  • One of the lowest APR rates in personal loans sector

Watch out for

  • You need to be aged 21 or over
  • Hold a bank or building society account
  • Are a permanent UK resident (and have been living in the UK for at least 12 months)
  • You are in permanent paid employment, self-employed or retired with a pension
  • Have a good credit history

Fees & charges

  • Maximum APR 12.3%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
18.9% 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 £3,000 - £4,900.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £3,000 - £4,900
  • Loan term: 12 - 84 months

Top choice for

  • Apply for and manage your loan in branch, over the phone or online
  • No charge to pay off your loan early for Clarity loan customers

Watch out for

  • Certain purposes of loan may be excluded or have limited repayment periods

Fees & charges

  • Maximum APR 18.9%
  • Arrangement fee: £0
  • Early repayment fee: £25
  • Late payment penalties: £25
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.
Write the first review
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
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
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
38.9% APR Representative
Time to apply
OK 01m 45s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £4,500 over 36 months at a Representative rate of 38.9% APR and an annual interest rate of 33.30% (fixed), you would pay 36 monthly instalments of £199.26. The total charge for credit will be £2,673.36 and the total amount payable will be £7,173.36.
We don't have any reviews for UK Credit Loans.
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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

  • They accept tenants as guarantors
  • Your guarantor can be anyone, including your spouse
  • Online quote doesn’t leave a credit footprint
  • Online management tool
  • Funds available fairly quickly after approval

Watch out for

  • No bankruptcy, debt management plan or IVA
  • Your guarantor must have good credit history
  • Your guarantor must be aged between 21 and 70
  • Your guarantor must be either employed, self-employed or retired
  • For loans over £6,000 your guarantor must be a homeowner

Fees & charges

  • Maximum APR 59.9%
  • Arrangement fee: £0
  • Early repayment fee: £40
  • Late payment penalties: £0
68.7% APR Representative
Time to apply
Fast 01m 32s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £500 over 40 days at a Representative rate of 68.7% APR and an annual interest rate of 292% (variable), you would pay 1 instalment of £660.00. The total charge for credit will be £160.00 and the total amount payable will be £660.00.
We don't have any reviews for SafetyNet Credit.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1 - £500
  • Loan term: 0 - 365 days

Top choice for

  • Repayments taken when you have sufficient funds in your account
  • SafetyNet have their own app
  • Takes only 15 minutes to transfer from your credit line
  • Automatic payments to cover overdrafts

Watch out for

  • Must be a UK resident
  • You must be aged over 18
  • You must be employed
  • You will need to have a salary or regular income
  • You will need a current account with internet banking

Fees & charges

  • Maximum APR 68.7%
  • 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
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
47.9% APR Representative
Time to apply
OK 03m 20s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,500 over 36 months at a Representative rate of 47.9% APR and an annual interest rate of 47.90% (fixed), you would pay 36 monthly instalments of £120.04. The total charge for credit will be £821.44 and the total amount payable will be £3,321.44.
We don't have any reviews for LendFair.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £5,000
  • Loan term: 6 - 60 months

Top choice for

  • Your guarantor does not need to be a homeowner
  • You can make overpayments with no fees or charges
  • Monthly repayments are fixed to help with budgeting

Watch out for

  • You will need to have a UK current account
  • Your guarantor will need to be a UK citizen
  • Your guarantor must be over 18 years old
  • Your guarantor needs to be a homeowner or tenant

Fees & charges

  • Maximum APR 79%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
6% APR Representative
Time to apply
OK 02m 04s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £5,000 over 36 months at a Representative rate of 6.0% APR and an annual interest rate of 3.40% (fixed), you would pay 36 monthly instalments of £151.67. The total charge for credit will be £5,460.30 and the total amount payable will be £10,460.30.
We don't have any reviews for Lending Works .
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 36 months

Top choice for

  • No early repayment fees
  • Decision available within 1 working day
  • No fees or early repayment penalties
  • Personalised quote doesn’t affect credit score
  • Ability to make over payments

Watch out for

  • Peer-to-peer style lending can take longer than other types of loan to arrange
  • You must not have high levels of unsecured debt, CCJ's or defaults
  • This lender charges late payment penalties
  • Varying fees dependent on loan amount and term

Fees & charges

  • Maximum APR 20.7%
  • Arrangement fee: £188
  • Early repayment fee: £0
  • Late payment penalties: £15
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
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
3.6% 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
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

Almost everyone’s definition of a small loan is different but for the purpose of this page, we’re calling small loans anything from £1000-£5000. 

Types of small loan

You’ll find a very broad range of lenders on this page offering loans with contrasting requirements, varying rates and different repayment periods. However, each of the lenders listed in this table fall into one of the following categories. 

Bank loans

Bank loans lend in this range, however, rates will differ dependent on how much you borrow and the period over which you repay. Beware that the rate advertised may not be the final rate you'll receive. 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. To compare bank loans side by side visit our bank loans comparison table.

Supermarket loans

Nearly all of the main high street supermarkets have been granted banking licences and are offering unsecured instalment loans to customers with good credit profiles. Rates will range from single figures up into the mid-teens dependant on how much you borrow with repayment periods ranging from one to five years. For more information visit our supermarket loans comparison table.

Peer to peer

Peer to peer lenders connect savers with potential borrowers, offering competitive rates of interest to both. Loan amounts, repayment period and interest rates are all pitched at similar levels to banks loans and supermarket loans

Guarantor lenders

Guarantor lenders offer small loans to those with a bad credit history. If you’ve got someone who’s willing and able to back your loan application, then a guarantor loan could be a suitable option worth considering. We’ve included them in the comparison table below, however, if your requirements suit that of a guarantor loan it's worth checking out our guarantor loans comparison page.

What not to do

Do not apply for a small loan through a site that is not regulated by the FCA. There are a number of  brokers, lead generators and "ping trees" out there who advertise small loans who do not actually provide them. They will instead take an extensive application from you, send your details to as many lenders as possible and more than likely, sell your details to multiple spammers or cold callers who'll text and phone you incessantly offering to reclaim that PPI that you've never had. 

Choose Wisely WILL NEVER sell your details to any spammers or cold callers, we DO NOT charge you to compare small loans and you're under absolutely no obligation to take out a loan if you compare them using this table. 

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.

Pricing and things to watch out for

When looking for a small loan, prices can vary substantially from around 9% to 49.9%. It is, therefore, crucial to compare your options before applying as it will have a dramatic effect on the total you’ll repay. Your credit file will also affect which loans are available to you. The best rates are reserved for those with good credit. If you have bad credit and try applying for these rates it is highly likely you will be declined. This will not do your credit file any favours and will make it increasingly difficult to get accepted for the best rates in the future. If you do have bad credit, it’s worth checking out our bad credit loan comparison table

Acceptance criteria

Criteria will vary from product to product, but as with any personal loan, you need to make sure that you're a UK resident, you are over 18, have a UK bank account, a valid Debit card and as with all loans, you’ll need to be able to convince the lender that you'll be able to afford repayments on a loan that you take out.

Final word

Due to the varying types of lenders that offer small loans, prices vary substantially across the market. It’s therefore, key to be savvy and compare your options first. If you have bad credit, check out our bad credit comparison tables as applying for the best rates will only result in you being declined. As always before applying for finance, make sure you can afford the repayments - if you have any doubt then don't apply. 

You can personalise these results with our loan search.