Free loan eligibility checker

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Name	Product	Proposed loan	Total payable	Monthly repayment	APR	Chance of approval	Link	Representative example
118 118 Money										loading Fetching your data...
Finio Loans Personal Loan										loading Fetching your data...
Fluro										loading Fetching your data...
Guarantor My Loan										loading Fetching your data...
My Community Finance										loading Fetching your data...
Norton Homeowner Loan (broker)										loading Fetching your data...
Oakbrook Loans Personal Loan										loading Fetching your data...
Reevo Money Personal Loans										loading Fetching your data...
Shawbrook Bank										loading Fetching your data...

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Have you considered a 0% purchase credit card?

These cards offer an introductory period where you’re not charged any interest at all. Clear your debt before that period expires and your borrowing won’t have cost you a penny (although some cards do come with a monthly or annual fee).

Updated daily

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

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Name	Product	Finder score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
Royal Bank of Scotland Purchase & Balance Transfer Credit Card Royal Bank of Scotland Purchase & Balance Transfer Credit Card		4.0 ★★★★★	0% for 19 months reverting to 24.9%	0% for 19 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card NatWest Purchase & Balance Transfer Credit Card		4.0 ★★★★★	0% for 19 months reverting to 24.9%	0% for 19 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card HSBC Purchase Plus Credit Card		4.0 ★★★★★	0% for 18 months reverting to 24.9%	0% for 16 months (3.49%, min £5 fee)	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card Santander All in One Credit Card		4.5 ★★★★★	0% for 15 months reverting to 23.9%	0% for 15 months (0% fee)	£3 per month	29.8% APR (variable)	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard Tesco Bank Clubcard Plus Credit Card Mastercard Finder Award		4.5 ★★★★★	0% for 24 months reverting to 19.94%	21.81% (3.99% fee)	£7.99 per month	37.7% APR (variable)	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card MBNA 0% Transfer and Purchase Credit Card		3.5 ★★★★★	0% for 21 months reverting to 24.94%	0% for 21 months (3.49% fee)	£0	24.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum all-rounder Visa Barclaycard Platinum all-rounder Visa		4.0 ★★★★★	0% for 21 months reverting to 24.9%	0% for 20 months (2.99% fee)	£0	24.9% APR (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Purchase Plus Offer Mastercard M&S Bank Credit Card Purchase Plus Offer Mastercard		Not yet rated	0% for 20 months reverting to 24.9%	0% for 12 months (0% fee)	£0	24.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Credit Card Mastercard Lloyds Bank Platinum 0% Purchase and Balance Transfer Credit Card Mastercard		4.0 ★★★★★	0% for 20 months reverting to 24.94%	0% for 18 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard Ulster Bank Purchase & Balance Transfer Credit Card Mastercard		3.5 ★★★★★	0% for 19 months reverting to 24.9%	0% for 19 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard Santander World Elite Mastercard		4.5 ★★★★★	0% for 18 months reverting to 18.9%	0% for 18 months (0% fee)	£15 per month	49.8% APR (variable)	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Shopping Plus Offer Mastercard M&S Bank Credit Card Shopping Plus Offer Mastercard		4.0 ★★★★★	0% for 18 months reverting to 23.9%	0% for 15 months (3.49% fee)	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard Halifax 0% Purchase and Balance Transfer Mastercard		3.5 ★★★★★	0% for 17 months reverting to 24.94%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		4.0 ★★★★★	0% for 17 months reverting to 24.94%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card TSB Platinum Purchase Card		4.0 ★★★★★	0% for 15 months reverting to 24.95%	0% for 15 months (2.95% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.95% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Nationwide Member Credit Card All Rounder		4.5 ★★★★★	0% for 15 months reverting to 24.9%	0% for 15 months (1.5% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money Dual Credit Card Mastercard Virgin Money Dual Credit Card Mastercard Finder Award		4.0 ★★★★★	0% for 13 months reverting to 24.9%	0% for 16 months (3% fee)	£0	24.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard Virgin Money 12 Month All Round Credit Card Mastercard Finder Award		3.5 ★★★★★	0% for 12 months reverting to 29.9%	0% for 12 months (2.9% fee)	£0	29.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Dual 12 Month Credit Card Mastercard Sainsbury's Dual 12 Month Credit Card Mastercard		Not yet rated	0% for 12 months reverting to 26.95%	0% for 12 months (3% fee)	£0	26.9% APR (variable)	Earn 1 Nectar point per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).	Read review	Compare	loading Fetching your data...
Post Office Classic Card Post Office Classic Card		4.0 ★★★★★	0% for up to 12 months reverting to 34.94% (subject to status)	0% for up to 12 months reverting to 34.94% (subject to status) (2.9% fee)	£0	34.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...

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Have you considered a credit card?

If you’re looking to make a large purchase but don’t have the cash to pay for it upfront, you might be considering borrowing the funds. Depending on the purchase you need to make, you could use either a personal loan or a credit card.

A credit card will generally be the better choice for regular spending or if you are borrowing smaller amounts. Credit cards can also be a good option if you want to have some flexibility over repaying the debt.

Use our guide to see how credit cards and loans work so you can decide what’s right for you.

Find out which cards you're eligible for

• Check a range of cards in minutes
• No impact on your credit score
• One fast and simple form

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Improve your credit history with LOQBOX

• Save from £20 to £200 a month
• Build and improve your credit history
• Once you’ve finished unlock your savings

Check eligibility

Improve your credit history with LOQBOX

• Save from £20 to £200 a month
• Build and improve your credit history
• Once you’ve finished unlock your savings

Check eligibility

Have you considered hire purchase?

• Get a decision in minutes
• Won't affect your credit score
• No deposit options

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Can’t see what you’re looking for?

Unsecured loans powered by Loans Warehouse

• Loans from £1,000 to £50,000
• See your quote before you apply
• Good and bad credit history accepted
• Quote won't affect your credit score

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How do I know if I’ll qualify for a loan?

Lenders assess each would-be borrower on a case-by-case basis. They aren’t always transparent about exactly what they’re looking for, but the good news is that you can use the form above to check your likelihood of approval for multiple lenders in one go.

There are a few standard criteria you’ll need to meet to qualify for any personal loan in the UK from any lender:

• Be at least 18 years old
• Be a UK resident
• Have a regular source of income
• Have a UK bank account

Can I apply for a loan without affecting my credit score?

You can check your eligibility for personal loans with no effect on your credit score. Lenders conduct what is known as a “soft” credit search, which doesn’t affect your score and is only visible in your credit record to you.

This means you check which lenders will say “yes” and even get pre-approved for a loan, without it having any effect on your credit score.

When you’ve chosen a suitable lender and proceed to the actual application, the lender will need to run a full, “hard” credit search. This has a small negative impact on your credit score and will also be visible on your credit file. The negative impact to your credit score is then typically quickly recovered through the first few repayments on the loan.

Can I get a loan with no credit check?

No, you can’t really get a personal loan without having gone through some kind of credit check, but as mentioned above, the soft check that’s carried out when you first check your eligibility with lenders does not affect your credit score.

What do I need to apply for a loan?

When you apply for a loan, the lender will want to confirm a few things before they approve your application. This includes that you are who you say you are, you live at the right address, and you have a legitimate source of income.

When you apply online, this information is generally verified through credit reference agency (CRA) such as Experian, Equifax or TransUnion, depending on the lender. This means you won’t need to provide documents that confirm your identity, but the lender may still request these documents later in the application process.

If you apply in a branch, you’ll need to provide identification documents, including proof of address, proof of income and a recognised form of ID. You can find out more about what you’ll you when applying for a loan in our guide below.

The documents needed when applying for a personal loan

What can I get a personal loan for?

Most lenders will let you use a personal loan for any worthwhile purpose, and this includes things like:

• Home improvements
• Buying a new car
• Paying for a wedding
• Consolidating debt
• Paying for a holiday
• Buying furniture

You’ll generally need to provide the reason for your loan when you apply.

There are some things you won’t be able to get a loan for, including:

• A deposit on a property
• Gambling
• Business purposes
• Share trading or investing

How do I repay my loan?

Once you’ve been approved for a loan, the lender will send you a loan document explaining the details of your loan. This will include your payment schedule, which lays out the size and frequency of your repayments, which will generally be made once each month via direct debit.

You’ll need to continue making these monthly repayments until you’ve paid off the full loan amount, as well as any interest that’s accrued on the loan. Some lenders will let you make additional repayments to help reduce how much interest you pay, and may also let you pay off your loan early.

We compare lenders including: