Compare personal loans

● Best for: Landlords needing renovation finance with fast turnaround.

Nimble specialist lender best for refurb projects needing speed over price.

● Best for: This is ideal for UK residents aged 18 and above who are looking for flexible car financing options and can meet the credit requirements.

MotoNovo Finance provides a broad range of financing options with competitive APRs starting at 5.9%. However, the upper limit of 24.9% can be steep, especially for those with lower credit scores.

● 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.

● 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: Existing Barclays customers with good credit looking for a flexible loan option.

With fast online approval and competitive fixed rates, Barclays is a strong choice for personal loans. However, the higher APRs may deter those with less-than-ideal credit.

● Best for: Individuals with low credit scores who require immediate financial assistance.

While Lending Stream provides quick access to funds, the extremely high APRs, reaching up to 1333%, make it an expensive option for long-term borrowing. It's best suited for those in urgent need of cash and with no other alternatives.

● 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: Professional landlords with complex property portfolios needing specialist underwriting through a broker

A strong intermediary-only BTL lender with deep specialist expertise, particularly good for complex landlord cases that high-street banks won't touch.

● Best for: Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.

Moneybarn provides a viable option for those with less-than-perfect credit looking for car finance. Their understanding of specialist lending can ease access for many drivers.

● 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: 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: Current Starling Bank account holders with good credit scores looking for a straightforward personal loan.

Starling Bank provides a unique app-based personal loan experience with no fees or paperwork, making it ideal for tech-savvy users. However, the requirement for an existing account may limit access for new borrowers.

● 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: 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: 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 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: 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: Homeowners with good credit seeking to finance substantial home improvements between £1,000 and £25,000.

With competitive APRs starting at 4.9%, this loan is attractive for homeowners planning significant renovations. However, the maximum APR of 14.9% could deter those with less-than-perfect credit.

● Best for: Landlords wanting a reliable BTL specialist with fast turnaround times and Starling Bank backing

A trusted BTL-only lender backed by Starling Bank, known for consistent decision-making and deep market knowledge. Strong choice for straightforward to moderately complex BTL cases.

● 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.