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.

Halifax was also Highly Commended in Finder’s 2020 Customer Satisfaction Awards.

Zopa

Zopa logoZopa is a peer-to-peer lending platform that offers unsecured personal loans up to £25,000 for 1 to 5 years. Borrowers will need to be at least 20 years old and earning at least £12,000 p.a. to be eligible for a loan.

Zopa was also Highly Commended in Finder’s 2020 Customer Satisfaction Awards.

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 2020 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.

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.

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.


Comparison of lenders

Table: sorted by representative APR, promoted deals first
Name Product Total Payable Monthly Repayment Representative APR Link
Hitachi Personal Finance Hitachi Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 3.2% p.a. (fixed). Representative APR 3.2% and total payable £10,493.64 in monthly repayments of £291.49.
1st Stop Personal Loans Ltd Homeowners Unsecured Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 31.3% p.a. (fixed). Representative APR 31.3% and total payable £14,801.76 in monthly repayments of £411.16.
118 118 Money Personal Loan (fair credit)
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Representative example: Borrow £2,000.00 over 2 years at a rate of 35.9% p.a. (fixed). Representative APR 35.9% and total payable £2,710.32 in monthly repayments of £112.93.
NatWest Existing Customer Personal Loan (specific eligibility criteria apply)
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Representative example: Borrow £10,000.00 over 3 years at a rate of 3.4% p.a. (fixed). Representative APR 3.4% and total payable £10,524.24 in monthly repayments of £292.34.
Post Office Money® Personal Loan
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Representative example: Borrow £15,001.00 over 3 years at a rate of 3.1% p.a. (fixed). Representative APR 3.1% and total payable £15,718.32 in monthly repayments of £436.62.
besavvi Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 18.9% p.a. (fixed). Representative APR 18.9% and total payable £12,913.20 in monthly repayments of £358.70.
Royal Bank of Scotland Existing Customer Personal Loan (specific eligibility criteria apply)
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Representative example: Borrow £10,000.00 over 3 years at a rate of 3.4% p.a. (fixed). Representative APR 3.4% and total payable £10,524.24 in monthly repayments of £292.34.
Likely Loans Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 59.9% p.a. (fixed). Representative APR 59.9% and total payable £19,010.16 in monthly repayments of £528.06.
AA Member Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 3.0% p.a. (fixed). Representative APR 3.0% and total payable £10,462.68 in monthly repayments of £290.63.
118 118 Money Personal Loan (poor credit)
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Representative example: Borrow £2,000.00 over 2 years at a rate of 99.9% p.a. (fixed). Representative APR 99.9% and total payable £3,804.00 in monthly repayments of £158.50.
Everyday Loans Personal Loan (poor credit)
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Representative example: Borrow £10,000.00 over 3 years at a rate of 58.4% p.a. (fixed). Representative APR 58.4% and total payable £18,795.60 in monthly repayments of £522.10.
Everyday Loans Personal Loan (fair credit)
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Representative example: Borrow £10,000.00 over 3 years at a rate of 34.4% p.a. (fixed). Representative APR 34.4% and total payable £15,269.04 in monthly repayments of £424.14.
Bamboo Personal Loan
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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.
Zopa Personal Loan
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Representative example: Borrow £10,000.00 over 5 years at a rate of 8.8% p.a. (fixed) with an application fee of £240.00. Representative APR 9.9% and total payable £12,602.87 in monthly repayments of £210.05.
Lending Works Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 5.8% p.a. (fixed) with an application fee of £0.00. Representative APR 10.0% and total payable £11,543.40 in monthly repayments of £320.65.
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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.

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.

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