Loans in Northern Ireland

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Getting accepted for loans in Northern Ireland is frankly a bit of a pain in the backside. Ireland has a very similar legal system to the mainland UK, but loans and debt are enforced differently. This means that loan providers need to write different credit agreements for their customers on the Emerald Isle with terms & conditions that are specific to Irish borrowers. Because of this additional complexity, the associated cost of writing the extra documentation and adapting their systems to automatically send out the right documentation to the right customer, many lenders simply choose not to payout loans in Northern Ireland. 

Here is a table of the loans that are available to you ranked by price, the time it takes to apply for them and by our unique customer-friendliness rating, Optio Score.

You can personalise these results with our loan search.

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3.3% APR Representative
Time to apply
OK 02m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 3.3% APR and an annual interest rate of 3.00% (fixed), you would pay 60 monthly instalments of £180.80. The total charge for credit will be £848.30 and the total amount payable will be £10,848.30.
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

  • Allow for early repayments
  • Allow for top-ups
  • Allow for overpayments
  • Competitive APR rates

Watch out for

  • You will require a good credit history
  • A borrowing fee is charged (this is included in your monthly repayments and total amount repayable)

Fees & charges

  • Maximum APR 3.3%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
99.9% APR Representative
Time to apply
OK 02m 43s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £1,500 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 £118.88. The total charge for credit will be £1,353.12 and the total amount payable will be £2,853.12.
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

  • No interest on your birthday.
  • Late fee refund if you pay them back on time for the next three months
  • Consider applicants with a less than perfect credit history
  • Online account management

Watch out for

  • Not designed for those with a perfect credit history
  • You must apply online
  • Low acceptance rate

Fees & charges

  • Maximum APR 99.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.5% APR Representative
Time to apply
OK 03m 20s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £10,000 over 24 months at a Representative rate of 3.5% APR and an annual interest rate of 3.40% (fixed), you would pay 24 monthly instalments of £431.98. The total charge for credit will be £367.52 and the total amount payable will be £10,367.52.
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

  • More competitive rates than with the banks
  • Rates are based on your personal circumstances, loan amount and loan term

Watch out for

  • In order to get more competitive rates you need to have good credit history
  • You must have a regular income
  • You must have been a UK resident for 3 years or more

Fees & charges

  • Maximum APR 3.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
6.9% APR Representative
Time to apply
Slow 05m 51s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 6.9% APR and an annual interest rate of 6.90% (fixed), you would pay 60 monthly instalments of £196.58. The total charge for credit will be £1,795.00 and the total amount payable will be £11,795.00.
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 6.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
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

Watch out for

  • You must have a guarantor
  • Your guarantor must own their own home
  • 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
  • You don't have to be registered on the electoral roll but it does help to speed up application

Fees & charges

  • Maximum APR 45.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
49.9% APR Representative
Time to apply
Fast 01m 33s
Application Time
OPTIOSCORE
Good
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
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

  • You don't need to have a good credit history
  • You don't need a guarantor
  • Better rates offered dependant on credit history

Watch out for

  • You must visit a branch to complete an application
  • No online account management

Fees & charges

  • Maximum APR 79.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
46.5% APR Representative
Time to apply
OK 02m 53s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,700 over 6 months at a Representative rate of 46.5% APR and an annual interest rate of 3.38% (fixed), you would pay 6 monthly instalments of £548.00. The total charge for credit will be £568.00 and the total amount payable will be £3,268.00.
We don't have any reviews for FundingSecure.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £10,000
  • Loan term: 1 - 6 months

Top choice for

  • No credit checks
  • Lower fees compare to other pawnbrokers
  • No early repayment fees

Watch out for

  • You need to have assets to borrow against

Fees & charges

  • Maximum APR 46.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
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

  • They do not require you or your guarantor to be homeowners
  • Fast track same day payout
  • We found a remarkable amount of positive online reviews about their customer service
  • They're one of only a few guarantor lenders to offer online account management
  • They offer top-ups and add-ons if you make your repayments on time

Watch out for

  • You guarantor must be over 25 and have a regular income
  • Like any guarantor loan, your guarantor will have to make your repayments if you can't afford to
  • Their online application form is not quick or simple
  • They charge an administration fee which is deducted from the advance

Fees & charges

  • Maximum APR 49.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
7.6% APR Representative
Time to apply
OK 03m 11s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £5,000 over 36 months at a Representative rate of 7.6% APR and an annual interest rate of 4.70% (fixed), you would pay 36 monthly instalments of £155.22. The total charge for credit will be £587.88 and the total amount payable will be £5,587.88.
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

  • You do not need to have perfect credit rating, but you are not allowed to have any CCJ's or defaults
  • Peer-to-Peer lending allowing low APR
  • No early repayment fees
  • Ability to make over payments

Watch out for

  • Must be 21 and or over (for better rates you need to be 25 and over)
  • You must earn at least £14,000 a year
  • You must not have high levels of unsecured debt, CCJ's or defaults

Fees & charges

  • Maximum APR 7.6%
  • Arrangement fee: £0
  • 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

  • There are no fees for late payments
  • Rates are based on your credit history
  • Your credit history is not affected during application process

Watch out for

  • You must be employed and receive regular income

Fees & charges

  • Maximum APR 45.3%
  • 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 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • You do not need to be their customer to apply
  • Existing customers might qualify for discounts
  • You can borrow for up to 10 years for home improvements
  • They accept any employment status other than people currently on Job Seeker's Allowance

Watch out for

  • You must have a good credit history
  • You must have been a UK resident for 3 years or longer
  • Beware loan rates will differ depending on how much you borrow

Fees & charges

  • Maximum APR 3.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
48.9% APR Representative
Time to apply
OK 03m 02s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3,000.00 over 36 months at a Representative rate of 48.9% APR and an annual interest rate of 10% (fixed) and annual service fee of 30.48% (fixed) , you would pay 36 monthly instalments of £145.17. The total charge for credit will be £2,226.12 and the total amount payable will be £5,226.12.
We don't have any reviews for Guarantor My Loan.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £5,000
  • Loan term: 12 - 60 months

Top choice for

  • Your guarantor can be your spouse
  • Relatively low rates for homeowner borrowers
  • Slightly lower than market average rate for tenant borrowers

Watch out for

  • Not sure what "Annual service fees" are but they sound scary
  • Max loan amount is just £5000
  • You'll most likely need a better credit profile than with other guarantor lenders

Fees & charges

  • Maximum APR 48.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
38.7% APR Representative
Time to apply
OK 02m 30s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £5,000 over 48 months at a Representative rate of 38.7% APR and an annual interest rate of 18.58% (fixed), you would pay 48 monthly instalments of £189.38. The total charge for credit will be £4,090.24 and the total amount payable will be £9,090.24.
We don't have any reviews for 1st Stop Personal Loans .
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,000 - £15,000
  • Loan term: 24 - 72 months

Top choice for

  • Online decision in minutes
  • No upfront fees
  • Both homeowners and tenants

Watch out for

  • Must be aged between 21 and 65
  • Must be in permanent full time employment for a minimum of 6 months
  • Soft credit searching

Fees & charges

  • Maximum APR 38.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
11.2% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £4,500 over 126 months (199 months after graduation) at a Representative rate of 11.22% APR and an annual interest rate of 11.10% (variable); after graduation 9.10% pa.(variable), you would pay 5 payments of £30/month, until 3 months after graduation; 119 payments of £61.90/month; 1 payment of £61.50. The total charge for credit will be £2,077.60 and (inc. set up fee of £292.50) the total amount payable will be £7,577.60.
We don't have any reviews for Future Finance.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,500 - £40,000
  • Loan term: 1 - 150 months

Top choice for

  • For University Students
  • Low repayment amounts until you graduate, capped at £75 per month
  • Interest rate reduction after graduation

Watch out for

  • Only for university students

Fees & charges

  • Maximum APR 11.22%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
47.9% APR Representative
Time to apply
OK 02m 42s
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

  • No arrangement or early redemption fees
  • Online application process
  • You can borrow exactly what you need to the nearest £1
  • You can have bad credit and still get accepted

Watch out for

  • Whilst applications are done online, the decision making process is not
  • They have 100s of positive reviews on FeeFo.com that simply say "Likely Loans - Feedback" 😬

Fees & charges

  • Maximum APR 47.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
49.5% APR Representative
Time to apply
OK 02m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3,500 over 36 months at a Representative rate of 49.5% APR and an annual interest rate of 49.50% (fixed), you would pay 36 monthly instalments of £170.41. The total charge for credit will be £2,634.76 and the total amount payable will be £6,134.76.
We don't have any reviews for Glo.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £7,000
  • Loan term: 12 - 60 months

Top choice for

  • There are no fees
  • They have a fixed interest rate
  • Both you and your guarantor can be tenants

Watch out for

  • You must have a guarantor

Fees & charges

  • Maximum APR 49.5%
  • 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 to have a good credit history
  • Your guarantor does not need to be a home owner
  • Your guarantor can be your partner

Watch out for

  • To apply for this loan, your guarantor must have a good credit rating
  • Your guarantor must be 21 or over
  • You must have a regular income

Fees & charges

  • Maximum APR 49.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
99% APR Representative
Time to apply
OK 01m 58s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £1,000 over 18 months at a Representative rate of 99.0% APR and an annual interest rate of 70.83% (fixed), you would pay 18 monthly instalments of £91.68. The total charge for credit will be £650.24 and the total amount payable will be £1,650.24. This includes a processing and payout fee of £100 which is 10% of your loan and also £550.24 interest at 70.83% (pa.fixed).
We don't have any reviews for Savvy.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £300 - £3,000
  • Loan term: 12 - 24 months

Top choice for

  • No early repayment charges

Watch out for

  • You must be in full-time employment
  • There is a 10% of the loan amount processing and payout fee
  • You must provide either your most recent payslip or 2 months of bank statements by text or email, showing your wage entering your account.

Fees & charges

  • Maximum APR 99%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
40.4% APR Representative
Time to apply
Fast 01m 23s
Application Time
OPTIOSCORE
Okay
Representative Example: If you borrow £6,000 over 36 months at a Representative rate of 40.4% APR and an annual interest rate of 40.41% (variable), you would pay 36 monthly instalments of £269.45. The total charge for credit will be £3,700.08 and the total amount payable will be £9,700.08.
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

  • You don’t need to have a good Credit History
  • Deals underwritten manually so not reliant on just a credit score
  • Your credit history is not affected during application process
  • Unsecured Loan for homeowners

Watch out for

  • You must earn minimum £800 per month
  • You must be a homeowner
  • You must be employed or self employed

Fees & charges

  • Maximum APR 40.41%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
49.9% APR Representative
Time to apply
OK 02m 35s
Application Time
OPTIOSCORE
Okay
Representative Example: If you borrow £2,500 over 24 months at a Representative rate of 49.9% APR and an annual interest rate of 41.16% (variable), you would pay 24 monthly instalments of £154.54. The total charge for credit will be £1,250.17 and the total amount payable will be £3,750.17.
We don't have any reviews for Buddy Loans.
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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 a good credit history
  • In most instances, applications are approved within 24 hours
  • There are no early redemption fees
  • If you're a tenant, your guarantor does not have to be a homeowner

Watch out for

  • Guarantor loan product
  • The rates are at the higher end of the guarantor loan market
  • Your guarantor will need to have a decent income and good credit history

Fees & charges

  • Maximum APR 49.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.9% 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 3.9% 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 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

  • Fixed monthly repayments
  • No arrangement or set up fee
  • Loan terms of 1-7 years

Watch out for

  • You must be aged between 21 and 70
  • You must have a minimum annual income of £12k
  • You must have a UK based bank or building society account that can pay direct debits
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

Fees & charges

  • Maximum APR 3.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
89.7% APR Representative
Time to apply
OK 02m 44s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £200 over 1 month at a representative rate of 89.7% APR and an annual interest rate of 65.70% (fixed), you would pay 1 monthly instalment of £211.16 (based on a 31 day month). The total charge for credit will be £11.16 and the total amount payable will be £211.16.
We don't have any reviews for Drafty Credit Line.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £50 - £3,000
  • Loan term: 1 - 60 months

Top choice for

  • Flexible borrowing and repayment
  • No hidden fees
  • Get a free, no obligation quote
  • Quotes do not show on your credit report

Watch out for

  • You must be over 18 years of age
  • You have a minimum income of £1250 per month
  • You must be a UK resident
  • You must be employed

Fees & charges

  • Maximum APR 89.7%
  • 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 £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 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
  • Beware loan rates will differ depending on how much you borrow

Fees & charges

  • Maximum APR 4.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
9.9% APR Representative
Time to apply
Slow 05m 23s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £6,000 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 £1232.16 and the total amount payable will be £7,232.16
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

  • Online account management
  • Instant decision when you apply online
  • Fixed loan repayments over 1 to 7 years
  • No early repayment fee
  • Overpay as much as you want, when you want

Watch out for

  • Beware loan rates will differ depending on how much you borrow
  • You can't have been declined credit in the last month
  • You need: address details including your postcode for the past 3 years, your bank/building society details, your annual income and monthly outgoings such as rent/mortgage repayments, your employer's name and address

Fees & charges

  • Maximum APR 9.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
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

  • No arrangement fees
  • Online account management

Watch out for

  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history
  • If you repay your loan early, you will incur fees

Fees & charges

  • Maximum APR 4.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.4% APR Representative
Time to apply
Slow 06m 00s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £7,000 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 £126.99. The total charge for credit will be £619.28 and the total amount payable will be £7,619.28.
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

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
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

Fees & charges

  • Maximum APR 3.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
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 £1232.16 and the total amount payable will be £7232.16
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

  • 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
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

Fees & charges

  • Maximum APR 9.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.8% APR Representative
Time to apply
OK 04m 10s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.8% APR and an annual interest rate of 3.8% (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 Hitachi 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

  • 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
  • Have been a permanent UK resident for at least 1 year
  • You are in permanent paid employment, self-employed or retired with a pension
  • Have a good credit history
  • Beware loan rates will differ depending on how much you borrow

Fees & charges

  • Maximum APR 3.8%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
12.9% APR Representative
Time to apply
Not known
OPTIOSCORE
Good
Representative Example: If you borrow £6000 over 60 months at a Representative rate of 12.9% APR and an annual interest rate of 12.19% (fixed), you would pay 60 monthly instalments of £134.06. The total charge for credit will be £2043.60 and the total amount payable will be £8043.60.
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

  • No charge to pay off your loan early on their Flexible Loan
  • A personalised quote with no credit footprint
  • Great flexibility, with the option to overpay or even take a loan repayment holiday
  • Online account management

Watch out for

  • You must be their customer for more than 3 months
  • Beware loan rates will differ depending on how much you borrow
  • Not suitable if you have a poor credit history

Fees & charges

  • Maximum APR 12.9%
  • 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

  • Instant online decision
  • 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
  • Beware loan rates will differ depending on how much you borrow

Fees & charges

  • Maximum APR 3.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.4% APR Representative
Time to apply
OK 03m 47s
Application Time
OPTIOSCORE
Good
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

  • 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
  • Competitive rates
  • No fees
  • Online account management
  • No obligation free quote
  • Loyalty Price Promise for existing customers

Watch out for

  • You must have a good credit history
  • Loan rates will differ depending on how much you borrow
  • If you are not a Nationwide customer you may be asked to provide additional documents in order to prove your identity
  • The lowest rates are for current Nationwide customers only

Fees & charges

  • Maximum APR 3.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
6.2% APR Representative
Time to apply
OK 02m 36s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7,500 over 36 months at a Representative rate of 6.2% APR and an annual interest rate of 62% (fixed), you would pay 36 monthly instalments of £228.75. The total charge for credit will be £735 and the total amount payable will be £8235.
We don't have any reviews for QuidCycle Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,500 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • Earn up to 4% bonus for financial success - terms apply
  • Provide financial education to help achieve your goals
  • Online account management
  • You can choose your repayment date

Watch out for

  • Loans must be used to consolidate debts
  • You must have a reasonable credit history with no CCJs or defaults three years prior to application
  • There is a fee for using Quidcycle (this is not upfront and included in your monthly repayments and the total amount repayable)

Fees & charges

  • Maximum APR 6.2%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.4% 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 3.4% APR and an annual interest rate of 3.30% (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 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

  • 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 be 18 years of age or older to apply
  • You must be in full-time, part-time or self employment earning £800 per month
  • You must not have a history of bad credit such as arrears, CCJ's, payment defaults or bankruptcy
  • You cannot have been declined credit within t
  • Beware loan rates will differ depending on how much you borrow

Fees & charges

  • Maximum APR 3.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.6% APR Representative
Time to apply
Slow 05m 07s
Application Time
OPTIOSCORE
Great
Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.6% APR and an annual interest rate of 3.6% (fixed), you would pay 60 monthly instalments of £182.28. The total charge for credit will be £936.80 and the total amount payable will be £10,936.80
We don't have any reviews for Santander Bank Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £20,000
  • Loan term: 12 - 60 months

Top choice for

  • You don't have to be their existing customer to apply

Watch out for

  • Compare to other high street banks when applying for the loan they will perform credit check as part of the application process
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

Fees & charges

  • Maximum APR 3.6%
  • 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

  • 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
  • Beware loan rates will differ depending on how much you borrow

Fees & charges

  • Maximum APR 4.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.4% APR Representative
Time to apply
OK 02m 50s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7500 over 12 months at a representative rate of 3.4% APR and an annual interest rate of 3.40% (fixed), you would pay 12 monthly instalments of £636.39. The total charge for credit will be £636.68 and the total amount payable will be £7636.68
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

  • Fixed monthly payments on your chosen date
  • Great APR rate compared to other similar products
  • Payment break option at the start of your loan (subject to eligibility)

Watch out for

  • You need to have a very good credit history to get lower rates
  • Beware loan rates will differ depending on how much you borrow

Fees & charges

  • Maximum APR 3.4%
  • 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.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Quick decision when applying online
  • Online quote that won't affect your credit score
  • They allow for loan top-ups (borrowing cannot exceed £25,000)
  • Manage your account using their digital banking service

Watch out for

  • You must be an existing Royal Bank of Scotland current account customer
  • Not suitable if you have bad credit
  • Rates offered will differ dependent on personal circumstances and how much you borrow
  • There is a charge for early repayments

Fees & charges

  • Maximum APR 3.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
4.6% APR Representative
Time to apply
Slow 06m 49s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £12,500 over 48 months at a Representative rate of 4.6% APR and an annual interest rate of 4.6% (fixed), you would pay 47 monthly instalments of £285.08 and a final payment of £284.89. The total charge for credit will be £1183.65 and the total amount payable will be £13,683.65
We don't have any reviews for Yorkshire Bank Loans.
Write the first review
Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Allow for loan top-ups
  • Instant decision (during their opening hours)
  • Rates available online, in branch or via telephone
  • Repayment terms of up to 7 years on loan amounts greater than £7,500
  • Rates available online, in branch or via telephone
  • Instant decision (during their opening hours)
  • Allow for loan top-ups

Watch out for

  • Early repayment charges apply
  • Rates offered will differ dependent on personal circumstances and the amount borrowed

Fees & charges

  • Maximum APR 4.6%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.3% 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 3.3% 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 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 - 60 months

Top choice for

  • One of the UK's most-loved brands
  • You don't need to have an M&S account or be an M&S cardholder to apply
  • Better rates if you're an M&S cardholder
  • Repayment holiday for up to 3 months at the start of the loan

Watch out for

  • Tenants need to be at least 30 years of age to qualify
  • Relatively slow application process
  • You'll need to provide verification of income and employment
  • Beware loan rates will differ depending on how much you borrow
  • You must have good credit

Fees & charges

  • Maximum APR 3.3%
  • 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

  • Not set up fees

Watch out for

  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

Fees & charges

  • Maximum APR 9.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
34.2% APR Representative
Time to apply
OK 04m 00s
Application Time
OPTIOSCORE
Okay
Representative Example: If you borrow £4,000 over 48 months at a Representative rate of 34.2% APR and an annual interest rate of 28% (fixed), you would pay 48 monthly instalments of £143.59. The total charge for credit will be £2,892.32 (including an arrangement fee of £120) and the total amount payable will be £6,892.32.
We don't have any reviews for eMoney Union.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,000 - £15,000
  • Loan term: 24 - 60 months

Top choice for

  • Alternative borrowing option

Watch out for

  • You will be allocated a Risk grade by your Equifax credit score
  • You must register for a User Account before being able to borrow

Fees & charges

  • Maximum APR 34.2%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
7.9% APR Representative
Time to apply
Slow 08m 20s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £5,500 over 36 months at a Representative rate of 7.9% APR and an annual interest rate of 7.90% (fixed), you would pay 36 monthly instalments of £171.30. The total charge for credit will be £1,166.80 and the total amount payable will be £6,166.80.
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

  • Available to existing and new customers
  • Single and joint applications allowed

Watch out for

  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

Fees & charges

  • Maximum APR 7.9%
  • 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

  • If you have someone who is able to be your guarantor
  • Easy online application
  • No arrangement fees

Watch out for

  • You must have a guarantor
  • You must be over 18 years old
  • Your guarantor must have good credit

Fees & charges

  • Maximum APR 47.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
17.9% 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 17.9% APR and an annual interest rate of 17.90% (fixed), you would pay 60 monthly instalments of £123.15. The total charge for credit will be £2,389.00 and the total amount payable will be £7,389.00.
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

  • Simple Online Application
  • No Paperwork
  • If you are accepted you could have the money in your account in 48 hours
  • Instant decision
  • No charges for overpayments/early settlement

Watch out for

  • Beware of the fee's that apply if you miss a payment
  • If you have a CCJ or Default registered against you in the last 3 years you're unlikely to be accepted

Fees & charges

  • Maximum APR 17.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.2% 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 3.2% APR and an annual interest rate of 3.20% (fixed), you would pay 48 monthly instalments of £222.02. The total charge for credit will be £656.96 and the total amount payable will be £10,656.96.
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

  • No early repayment charges
  • Market leading rates
  • Quick application and payout
  • Sign all paperwork online
  • Online account management

Watch out for

  • If you miss a payment you will be charged £25
  • You must have a good credit history
  • Beware loan rates will differ depending on how much you borrow
  • If they are unable to successfully collect your direct debit you will incur a £12 fee

Fees & charges

  • Maximum APR 3.2%
  • 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

  • Rates are the same for all customers across all loan amounts
  • No arrangement or default fees

Watch out for

  • You will need a Metro Bank current account in order to apply which will require you to visit your local branch

Fees & charges

  • Maximum APR 5.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
48.9% APR Representative
Time to apply
OK 02m 58s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,000 over 48 months at a Representative rate of 48.9% APR and an annual interest rate of 25.83% (fixed), you would pay 48 monthly instalments of £84.73. The total charge for credit will be £2,067.04 and the total amount payable will be £4,067.04.
We don't have any reviews for Suco Guarantor Loans.
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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

  • Guarantor loans up to £15,000
  • You don't need a good credit history
  • No upfront fees
  • You can settle the loan at any point during the term

Watch out for

  • Your guarantor must be a homeowner
  • Your guarantor must be aged between 18-75
  • Your guarantor must be in receipt of a regular income
  • Your guarantor must be a UK resident
  • You cannot be unemployed
  • You must be a homeowner when applying for more than £8000

Fees & charges

  • Maximum APR 48.9%
  • 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

  • Next day finance if you are successful in your application
  • Quick online application

Watch out for

  • You must have a good credit history
  • Beware loan rates will differ depending on how much you borrow

Fees & charges

  • Maximum APR 3.8%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
39.9% APR Representative
Time to apply
OK 01m 45s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £4,000 over 48 months at a Representative rate of 39.9% APR and an annual interest rate of 34.05% (fixed), you would pay 48 monthly instalments of £153.60. The total charge for credit will be £3,372.80 and the total amount payable will be £7,372.80.
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

  • UK Credit accept tenant guarantors
  • You can get a quote on their website without it affecting your credit history
  • Once your loan has been paid out, you can manage your account online.

Watch out for

  • If your guarantor is a tenant, the max you can apply for is £6000
  • Applications backed by tenant guarantors are more expensive at a Representative 54.9% APR
  • You must have an email address so they can send the loan documents to you

Fees & charges

  • Maximum APR 39.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
3.4% APR Representative
Time to apply
OK 02m 40s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 3.4% APR and an annual interest rate of 3.40% (fixed), you would pay 60 monthly instalments of £181.41. The total charge for credit will be £884.60 and the total amount payable will be £10,884.60.
We don't have any reviews for Cahoot.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £20,000
  • Loan term: 12 - 60 months

Top choice for

  • Flexible loan terms
  • Quick decisions
  • Fixed monthly repayments

Watch out for

  • You must have an annual income of at least £6,000
  • You must be aged 21 years or over
  • You cannot have been declared bankrupt, had a CCJ or an IVA in the past 6 years
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

Fees & charges

  • Maximum APR 3.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
96% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £1,000 over 12 months at a representative rate of 96% APR and an annual interest rate of 69% (fixed), you would pay 1 monthly instalment of £123.31 and 11 monthly instalments of £117.65. The total charge for credit will be £417.46 and the total amount payable will be £1,417.46.
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 Repayments
  • You don't need perfect credit
  • No fees
  • They have a mobile app where you can keep an eye on your loan status and repayments
  • The can speak over 27 languages

Watch out for

  • You must have been in the UK for a minimum of 6months

Fees & charges

  • Maximum APR 96%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • 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

  • No arrangement fees
  • Automatic repayments when you can afford it
  • Fantastic consumer reviews across the web
  • Flexible borrowing options
  • Mobile management

Watch out for

  • High cost short term product
  • Interest charged on a daily rate

Fees & charges

  • Maximum APR 68.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0