Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.
Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.
| Name | Representative APR | Loan amounts | ||
|---|---|---|---|---|
 |
On Stride | 315.4% | £150 to £5,000 | |
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Bamboo Personal Loan | 49.9% | £2,000.00 to £15,000.00 | Check eligibility |
 |
Progressive Money Personal Loan for Homeowners | 61.91% | £1,000 to £15,000 | More info |
 |
Savvy Personal Loan | 1289.3%. | £300 to £1,200 | More info |
 |
Everyday Loans Personal Loan | 99.9% | £1,000.00 to £15,000.00 | Check eligibility |
| Name | Representative APR | Loan amounts | ||
|---|---|---|---|---|
 |
Norwich Trust Limited Unsecured Homeowner Loan | 27.9% | £3,000.00 to £20,000.00 | More info |
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1plus1 Loans Guarantor Loan | 47.8% | £1,000.00 to £10,000.00 | Go to site |
If you feel let down by mainstream lenders, either because you don’t meet eligibility criteria or because your credit history is less than perfect, sites like On Stride can provide helpful access to finance, albeit at relatively high interest rates.
On Stride didn’t expect you to have a flawless credit file, but as a responsible lender, it did run affordability checks (including a credit search) before approving your application for a loan.
It’s important to compare your options before taking out a loan and to seek the best rates you’re eligible for. While On Stride may have suited some borrowers with poor credit, if you have good credit and can afford the loan you’re after, you should be able to access better rates.
Similarly, if you have bad credit but could find a friend or relative with good credit to act as a guarantor (that’s somebody who promises to pay off the loan if you don’t), then once again, you may be able to access cheaper loans than if you apply alone.
There are a few key features you’ll want to consider when comparing loans.