Browse personal loan providers: A to Z list

A list of popular lenders providing personal loans to UK borrowers.

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A list of personal loan providers

If you’re planning a large expenditure like some home improvements, a wedding or a new car, or if you’re looking to simplify existing debt, then an unsecured personal loan could help you. Here are some popular UK lenders that we review and compare.

Halifax

Halifax logoHalifax was founded in 1853 and is now part of the Lloyds Banking Group. It offers personal loans from £1,000 to £25,000 for new and current customers, and existing customers can generally receive approval and funding in as little as 10 minutes.

Zopa

Zopa logoFounded in 2004, Zopa took the lending market by storm being the only lender that offered peer-to-peer (P2P) lending. Since then Zopa has left the P2P market but still offers unsecured personal loans up to £35,000 for 1 Year to 7 Years. Borrowers will need to be 20 or over and earning at least £12000.00 Per Annum to be eligible for a loan.

Tesco Bank

Zopa logoTesco Bank is the financial arm of supermarket giant Tesco, and offers personal loans for £1,000 to £35,000, with loan terms from 1-10 years. Tesco Clubcard members may be eligible for discounted interest rates, and borrowers with generally receive their funds within five working days.

Tesco Bank was also the winner of Finder’s 2023 Customer Satisfaction Awards for personal loans.

Sainsbury’s Bank

Sainsbury's Bank logoSainsbury’s Bank is part of the Sainsbury’s supermarket chain and provides personal loans up to £40,000 for Nectar cardholders, or up to £25,000 for non-cardholders. Nectar cardholders may also be eligible for discounted rates.

Sainsbury’s Bank was also the winner of Finder’s 2023 Customer Satisfaction Awards for personal loans.

Santander

Santander logoSantander is a Spanish bank and financial services company with a big presence in the UK. To be eligible for a Santander personal loan, borrowers will need to be at least 21 years old and earn at least £6,000 per year. New customers can borrow up to £20,000, and existing customers can borrow up to £25,000.

Santander was also Highly Commended in Finder’s 2023 Customer Satisfaction Awards for personal loans.

M&S Bank

M&S Bank logoPart of the Marks and Spencer Group, M&S Bank offer personal loans from £1,000 to £15,000 over 1-7 years, or loans from £15,000 to £25,000 with terms of 1-5 years. M&S also offer discounted rates to existing customers, as well as loan repayment deferment options.

HSBC UK

HSBC UK logoFounded in 1865, HSBC is one of the “Big Four” British banks, and provides personal loans up to £25,000, with loan terms from 1-8 years. Customers will need to be at least 18 years old and earn at least £10,000 per year to be eligible for a loan.

Barclays

Barclays logoAnother of the “Big Four” banks, Barclays was founded in 1690, and offers personal loans up to £50,000, with terms between 2 and 5 years. Existing customers can get instant approval, and loans can be funded immediately if it is signed online.

NatWest

Natwest logoNatWest only offers personal loans to existing customers who have had another NatWest product for at least 3-6 months. Customers can borrow up to £50,000, and receive the fund within one business day of approval.

Best personal loan companies for 2024 by customer satisfaction score

In December 2022, we asked 1,347 borrowers to rate their overall satisfaction with their lender and whether they would recommend it to a friend. We converted the results into the star ratings presented below.

Table ordered by percentage of customers who said they’d recommend the brand to a friend (recommendation score)

Personal loan providerCustomer satisfaction scoreCustomer rating
Tesco Bank86%

★★★★★

Sainsbury’s Bank86%

★★★★★

Santander87%

★★★★★

Barclays83%

★★★★★

AA83%

★★★★★

NatWest83%

★★★★★

Post Office79%

★★★★★

Halifax78%

★★★★★

Novuna (formerly Hitachi)77%

★★★★★

M&S Bank75%

★★★★★

Abound (formerly Fintern)80%

★★★★★

HSBC77%

★★★★★

Zopa74%

★★★★★

Customer satisfaction ratings methodology

In December 2022, we ran an independent customer satisfaction survey on personal loan providers. We received answers from 1,347 personal loan customers who gave us their opinion on their current lender.

Full details of our star ratings for this sector are on the personal loans rating methodology page.

Personal loan lender ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

The customer satisfaction score (“You say”) is based on a survey of 1,347 customers carried out in December 2022.

Learn the details of our methodology and scoring.

Comparison of UK lenders

Table: sorted by representative APR, promoted deals first
1 - 10 of 41
Name Product Finder score Total Payable Monthly Repayment Representative APR Link
Everyday Loans Personal Loan
4.0
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 99.9% p.a. (fixed). Representative APR 99.9% and total payable £24,451.56 in monthly repayments of £679.21.
Admiral Personal Loan
4.0
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 16.9% p.a. (fixed). Representative APR 16.9% and total payable £12,606.12 in monthly repayments of £350.17.
Novuna Personal Loan
4.5
★★★★★
Check eligibility
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.
M&S Bank Personal Loan
4.0
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.2% p.a. (fixed). Representative APR 6.2% and total payable £10,956.96 in monthly repayments of £304.36.
Finio Loans Personal Loan
4.0
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 39.9% p.a. (fixed). Representative APR 39.9% and total payable £16,091.64 in monthly repayments of £446.99.
1plus1 Loans Guarantor Loan
4.0
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 39.9% p.a. (fixed). Representative APR 39.9% and total payable £16,091.64 in monthly repayments of £446.99.
118 118 Money Personal Loan
4.0
★★★★★
Check eligibility
View details
Representative example: Borrow £2,000.00 over 2 years at a rate of 49.9% p.a. (fixed). Representative APR 49.9% and total payable £2,967.36 in monthly repayments of £123.64.
Shawbrook Bank Personal Loan
4.5
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 16.9% p.a. (fixed). Representative APR 16.9% and total payable £12,606.12 in monthly repayments of £350.17.
Bamboo Personal Loan
4.0
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 49.7% p.a. (fixed). Representative APR 49.7% and total payable £17,537.04 in monthly repayments of £487.14.
HSBC Premier Personal Loan
4.5
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.4% p.a. (fixed). Representative APR 6.4% and total payable £10,987.56 in monthly repayments of £305.21.
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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.

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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