We compare rates, terms, and eligibility across dozens of lenders — so you can borrow with confidence. Independent reviews, no hidden fees.
Trusted by borrowers worldwide
4.79%
Best for: Professional landlords and portfolio investors needing a lender that can scale from small BTL to multi-million pound portfolios
4.9–29.9%
£1k–£25k
Best for: Existing Barclays customers who want a seamless in-app experience with the flexibility to top up borrowing later.
Credit Builder
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Best for: Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.
99.9–1333.0%
£50–£1.5k
3–6 mo
Minutes
Best for: People locked out of mainstream lending who need a small emergency sum quickly.
18+ · UK resident · Regular income
Auto
5.9–24.9%
£4k–£100k
12–60 mo
Same day decision
Best for: This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.
UK resident · Aged 18+ · Regular income
Business
6.9–29.9%
£10k–£500k
72–72 mo
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.
UK-based business · Limited company or LLP · Soft search available
Personal
5.1–30.5%
£500–£25k
3–60 mo
Instant
Best for: Young professionals and UK residents with a Monzo account looking for flexible personal loans between £500 and £25,000.
Monzo current account · 18+ · UK resident
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Best for: Landlords wanting a specialist BTL lender with the backing of a major financial group (OSB)
3.3–21.9%
£1k–£30k
Best for: HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.
Credit Builder
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Best for: Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.
Auto
5.9–24.9%
£4k–£75k
12–60 mo
Same day decision
Best for: Best for individuals seeking a reliable motor finance lender with a wide dealer network and competitive rates.
UK resident · Aged 18+ · Valid driving licence
Business
18.0–49.9%
£1k–£500k
1–24 mo
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.
UK-based business · Limited company or LLP · Soft search available
4.9–14.9%
£1k–£25k
12–120 mo
1-2 days
Best for: Homeowners planning renovations who want to spread cost over a longer period.
18+ · UK homeowner · Good credit
6.39–8.37%
£5k–£500k
60–360 mo
Funded shortly after approval
UK homeowner · Available home equity · Affordability assessment
3.9–29.9%
£1k–£50k
Best for: Borrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.
Credit Builder
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Best for: People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.
Auto
7.9–29.9%
£3k–£50k
24–60 mo
Instant decision
Best for: This service is ideal for UK residents seeking flexible payment options on used cars, especially those who prefer a soft credit check.
UK resident · Aged 18+ · Minimum income £1,000/month
5.9–34.9%
£1k–£35k
12–60 mo
Minutes
Best for: Individuals with a fair credit score looking for flexible borrowing options up to £35,000.
UK resident · 18+ · Soft credit check first
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Best for: Landlords wanting BTL mortgage security from a major building society rather than a smaller specialist
3.9–29.9%
£1k–£50k
Best for: Borrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.