Compare personal loans

● Best for: People locked out of mainstream lending who need a small emergency sum quickly.

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

● Best for: Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.

The gold standard for UK credit building — save money and build your score simultaneously.

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

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

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

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

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

A reliable high-street option with a competitive 6.5% representative APR and the ability to extend terms up to 96 months on larger loans, giving more breathing room on monthly payments.

● Best for: Landlords with complex circumstances needing a specialist lender that assesses cases on merit rather than ticking boxes

A well-established specialist lender that handles the cases others won't — complex income, adverse credit, unusual properties. If your BTL case doesn't fit the boxes, Precise probably can.

● Best for: Existing Barclays customers who want a straightforward loan with quick approval.

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

● Best for: Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.

Set-and-forget credit builder for renters — low cost, low effort, meaningful impact on thin credit files.

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

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

● Best for: This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.

Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.

● Best for: Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.

A strong high-street option from the Lloyds Banking Group stable with competitive rates and high borrowing limits. Part of one of the UK largest banking groups.

● Best for: Landlords wanting BTL mortgage security from a major building society rather than a smaller specialist

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

● Best for: Straightforward borrowers who want a no-nonsense loan from a recognised high-street bank.

Honest mid-tier option. Nothing flashy, but reliable with decent rates for good credit profiles.

● Best for: People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.

Straightforward credit builder with predictable costs — good for rebuilding your score, not for cheap borrowing.

● Best for: This service is best for those who need fast financing for a vehicle and have a clear repayment plan.

CarFinance 247 provides quick access to a wide range of auto loans, but high APRs may deter some borrowers.

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

One of the most competitive high-street options with a low representative APR of 3.9% and the highest maximum loan amount at £50,000.

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

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

● Best for: Borrowers who want a trusted brand with one of the lowest starting APRs on the market.

Very similar to Lloyds (same parent group) with equally competitive top-line rates. Reliable choice with no surprises.

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

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

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

A convenient option for existing Barclays customers with a smooth in-app application, early repayment at any time, and the unique top-up feature for additional borrowing.