Get a £25,000 personal loan with the best rate

Use our calculator to compare the best £25,000 loans and find out the eligibility criteria.

The UK's largest range of secured loans

  • Loans from £1,000 to £2,500,000
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Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it.

£25,000 homeowner loans

£
yrs
£
£
1 - 8 of 335
Name Product Maximum LTV Loan amounts Loan terms Overall cost for comparison Link Repayments
United Trust Bank Ltd 1st Charge Mortgage Prime Plus
60%
£25,000 to £1,000,000
3 to 30 years
6.3% APRC
Check eligibility
View details
£380.89
(£36,565.88 overall)
Pepper Money Prime Rate Secured Loan
60%
£7,500 to £350,000
3 to 30 years
7.4% APRC
Check eligibility
View details
£381.08
(£36,584.14 overall)
Equifinance Prime
70%
£20,000 to £250,000
3 to 25 years
8.5% APRC
Check eligibility
View details
£398.49
(£38,255.36 overall)
Evolution Premier Range Tier 1
80%
£5,000 to £100,000
3 to 20 years
13.6% APRC
Check eligibility
View details
£440.89
(£42,325.23 overall)
Loan Logics Fast Track Secured Loan
60%
£5,000 to £50,000
1 to 25 years
14.4% APRC
Check eligibility
View details
£449.11
(£43,114.51 overall)
United Trust Bank Ltd 1st Charge Mortgage Prime Plus
70%
£25,000 to £1,000,000
3 to 30 years
6.3% APRC
Check eligibility
View details
£380.89
(£36,565.88 overall)
United Trust Bank Ltd 1st Charge Mortgage Prime Plus
75%
£25,000 to £1,000,000
3 to 30 years
6.3% APRC
Check eligibility
View details
£380.89
(£36,565.88 overall)
United Trust Bank Ltd 1st Charge Mortgage-Remortgage
80%
£25,000 to £1,000,000
3 to 30 years
6.5% APRC
Check eligibility
View details
£383.72
(£36,837.48 overall)
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Overall representative example
If you borrow £43,000 over 16 years at a rate of 10.25% variable, you will pay 192 instalments of £505.18 per month and a total amount payable of £96,994.56. This includes the net loan, interest of £49,404.56, a broker fee of £3,995 and a lender fee of £595. The overall cost for comparison is 12.7% APRC variable.

Compare £25,000 unsecured loans

Table: sorted by representative APR, promoted deals first

Use the table below to estimate the monthly and overall cost of your loan from a range of popular lenders. However, it’s worth keeping in mind that lenders may only be willing to offer unsecured loans above £25,000 to existing customers, or borrowers who have excellent credit ratings. If you’re looking to borrow this much, you may want to consider a secured loan.

1 - 8 of 34
Name Product Total Payable Monthly Repayment Representative APR Link
Bank of Scotland Existing Customer Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.7% p.a. (fixed). Representative APR 6.7% and total payable £11,034.00 in monthly repayments of £306.50.
Novuna Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 7.4% p.a. (fixed). Representative APR 7.4% and total payable £11,142.00 in monthly repayments of £309.50.
Creation Financial Services Creation Loans
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 9.9% p.a. (fixed). Representative APR 9.9% and total payable £11,527.92 in monthly repayments of £320.22.
Barclays Existing Current Account Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.1% p.a. (fixed). Representative APR 6.1% and total payable £10,941.12 in monthly repayments of £303.92.
Ulster Bank Existing Customer Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.6% p.a. (fixed). Representative APR 6.6% and total payable £11,018.52 in monthly repayments of £306.07.
AIB (NI) Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 7.1% p.a. (fixed). Representative APR 7.1% and total payable £11,095.56 in monthly repayments of £308.21.
Halifax Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.6% p.a. (fixed). Representative APR 6.6% and total payable £11,018.52 in monthly repayments of £306.07.
NatWest Existing Customer Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.6% p.a. (fixed). Representative APR 6.6% and total payable £11,018.52 in monthly repayments of £306.07.
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Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

Can I get a £25,000 loan?

Realistically, borrowing £25,000 without security is highly likely to require a very good credit score. While personal loans are available from both traditional and more specialised lenders, and come in a variety of forms: secured, unsecured, short term, long term etc., £25,000 is definitely at the upper end of the unsecured lending spectrum. The first step to taking out the right loan for your needs is to understand your options. If you don’t have the best borrowing history, a secured loan might be a better suited option for you. But as these loans are secured against an asset, usually your home, you could lose it if you don’t keep on top of your repayments.

Can I borrow £25,000 with good credit?

You’ll most probably have more options available to you if you’re looking at borrowing £25,000 and you have a good credit rating. You’re likely to be able to apply to the majority of lenders, but to get approved and enjoy the most competitive rates you’ll need to prove that the loan is affordable. Your current bank may offer larger sums and faster funding to existing customers, though it usually pays to shop around if you can.

Compare personal loans

Can I get a £25,000 loan with bad credit?

To get a £25,000 loan with bad credit, you’ll need to provide security – in other words, you’ll need to be a homeowner with a mortgage, and willing to use the equity in your property as security. You may choose to simply remortgage or you may opt to take out a “second-charge mortgage”, so that your first mortgage isn’t affected.

Having security means that a loan represents lower risk to a lender, which normally in turn means lower rates for the borrower (plus a stronger chance of getting approved). Just bear in mind that if you opt to spread repayment over, say, 25 years, however, then obviously the overall cost of borrowing will be much higher than borrowing over, say 10 years. It’s a big commitment, so take a moment to read through these guides:

How much is the monthly payment on a £25,000 loan?

This will depend on the interest rate you receive and the length of your loan term. For example, a £25k loan with a 10-year term and 5% fixed rate could have a monthly repayment of £265.16. In comparison, a £25,000 loan with a 5-year term and 10% fixed rate could cost £531.18 per month. You can calculate the cost of your £25k loan here.
5% p.a. interest10% p.a. interest15% p.a. interest
3-year term£749£807£867
5-year term£472£531£595
7-year term£353£415£482

How much does a £25,000 cost overall?

5% p.a. interest10% p.a. interest15% p.a. interest
3 years£26,974£29,040£31,199
5 years£28,307£31,871£35,685
7 years£29,681£34,863£40,523

The loan examples above are calculated using a flat fixed rate and are only approximate, rounded figures. Your specific loan payments may be higher or lower depending on factors like your repayment schedule, loan term and potential fees.

Can I borrow £25,000 for a business?

Taking out a £25,000 loan for business purposes is different to doing the same for personal use. Often lenders specifically state that their loans cannot be used for a business. However, business loans are available, with some receiving government backing, which can lead to lower rates.

Compare business loans

Aspects of your application that lenders consider

When applying for finance, you inevitably open yourself up to a degree of financial scrutiny. So what is a would-be lender looking for? Here are some of the main things they’re likely to be interested in:

  • Your reason for borrowing. What you’re using the loan for is without doubt of interest to the lender. Perhaps you’re looking to consolidate your debt or purchase a car, how wise a decision that will be will vary on other financial factors. If you’re considered less of a risk because of responsible borrowing, you’ll be seen as a stronger applicant.
  • Your credit record. Potential APR offers are affected by your credit rating, and you’ll need to be in the “good” range or higher for most lenders. There’s also the possibility of getting a loan for less, however, if your score doesn’t qualify you for the full £20,000.
  • Your income and expenditure. If you’re struggling to afford your existing obligations, or you’re spending like a footballer’s wife, lenders could be put off. Lenders tend to look at your debt-to-income ratio to determine if you’ll be able to make timely repayments.
  • Your employment status. How long have you been with your current employer? How stable a role is it? Lenders are risk-averse, so they’re looking to lend to the safest prospects first.
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  • Loans from £1,000 to £2,500,000
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  • Quote won’t affect your credit score
Representative Example: If you borrow £43,000 over 16 years at a rate of 10.25% variable, you will pay 192 instalments of £505.18 per month and a total amount payable of £96,994.56. This includes the net loan, interest of £49,404.56, a broker fee of £3,995 and a lender fee of £595. The overall cost for comparison is 12.7% APRC variable.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Written by

Chris Lilly

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full profile

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