Browse personal loan providers: A to Z list

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 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

Founded 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 £50,000 for 1 year to 7 years. Borrowers will need to be 20 or over and earning at least £12,000 to be eligible for a loan.

Tesco Bank

Tesco 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.

Santander

Santander 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

Part 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

Founded 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

Another 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 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.

Top personal loans providers for customer satisfaction

We asked the customers of personal loan providers featured in this table whether they’d recommend it to a friend and we’ve ordered the table by the percentage score. Our independent survey was carried out in January 2025. Learn more about how we conducted our research.

Brand	Logo	Customers who’d recommend	Review
Nationwide		93%	Nationwide, the world’s largest building society, provides fast and straightforward fixed-rate loans to members.	Read our review
Shawbrook Bank		93%	Shawbrook is a specialist bank offering an alternative to traditional high-street lenders, working directly with both consumers and through a broker network.	Read our review
The AA		90%	The AA is a broker offering fixed monthly repayments on its loans. It’s not currently taking new customers.	Read our review
Tesco Bank		90%	Tesco Bank offers unsecured personal loans at some very competitive rates.	Read our review
Halifax		90%	Halifax is part of Lloyds Banking Group and offers flexible, fixed rate loans.	Read our review
NatWest		90%	NatWest offers personal loans tailored for existing customers with good or excellent credit.	Read our review
Barclays		90%	Barclays offers unsecured loans to Barclays customers with a range of terms depending on circumstances.	Read our review
Abound (formerly Fintern)		87%	Abound promises to offer competitive, personalised loans that are calculated on your ability to repay and not your credit score.	Read our review
Sainsbury’s Bank		87%	Sainsbury’s Bank previously offered a range of loans for Nectar card holders. The bank is not currently taking new applications.	Read our review
MBNA		87%	MBNA offers personal loans as a broker, with Lloyds Bank as the lender.	Read our review
HSBC		87%	HSBC offers competitive rates on personal loans and you can overpay without paying an extra fee.	Read our review
Zopa		83%	Zopa was founded in 2004 and offers unsecured loans, which are based on creditworthiness.	Read our review
Virgin Money		83%	Virgin Money launched its first unsecured personal loans in 2020, with instant decisions and quick funding.	Read our review
Santander		83%	Santander offers new and existing customers unsecured personal loans.	Read our review
Monzo		83%	Monzo offers loans with fixed monthly repayments, same-day funding and flexible amounts, all through its app.	Read our review
TSB		80%	TSB offers fixed-rate unsecured loans to both existing and new customers with good credit.	Read our review
Novuna		80%	Novuna offers fixed-rate personal loans with a simple application process and quick payment times.	Read our review
Admiral		80%	Admiral is known for insurance but also provides unsecured loans.	Read our review
RateSetter		77%	RateSetter is a marketplace where people looking to borrow are matched up with those who want to invest. It’s no longer accepting new applications.	Read our review
AIB		77%	AIB differs from some competitors – under its “fairness guarantee”, the rate you’re quoted when you apply will be the one you get.	Read our review
M&S Bank		73%	M&S Bank offers personal loans with competitive rates, and discounts for existing customers of M&S Bank.	Read our review
Lendable		70%	Lendable considers applications from people who don’t have a great credit score.	Read our review
Post Office Money		67%	The Post Office provides competitive loans with instant decisions and next day funding for people with good credit.	Read our review
118 118 Money		64%	118 118 Money focuses on small loans over short terms – offering with a range of amounts and repayment terms within this.	Read our review
Finio Loans (formerly Likely Loans)		63%	Finio Loans specialises in loans for people who don’t have a great credit history. It’s a sister company of Likely Loans (which no longer accepts applications).	Read our review

• Customer satisfaction scores methodology

  We asked personal loans customers to rate their satisfaction with the service they received and whether they’d recommend the provider to a friend. Our independent survey of 755 personal loan customers was carried out in January 2025.

  We have shown the percentage recommended score in the table above and used these ratings to decide the winners of our awards. Where there was a draw on the “would recommend percentage”, we used the overall rating out of 5 as a tie-breaker.

Comparison of UK lenders

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20 of 55 results

Finder Score	Loan amounts	Loan terms	Fee	Repayments
Promoted 8.3Great M&S Bank Personal Loan Existing Customers Only	8.3Great	£1,000 - £30,000	1 year - 7 years	0%	£144.10 (£5,187.62 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £4,500 for 36 months at 9.9% p.a. Total £5,187.62 repayable at £144.1 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.	Check eligibility View details Compare product selection Compare	loading
Promoted 9Excellent AA Personal Loan Member	9Excellent	£1,000 - £35,000	1 year - 8 years	0%	£166.21 (£5,983.39 overall) Representative Example: Representative 21.4% APR fixed. Based on a loan of £4,500 for 36 months at 21.4% p.a. Total £5,983.39 repayable at £166.21 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £7,500 for 60 months at 5.9% p.a. Total £8,646.6 repayable at £144.11 per month.	Check eligibility View details Compare product selection Compare	loading
Promoted 8.9Great HSBC Premier Loan Finder Award	8.9Great	£1,000 - £50,000	1 year - 8 years	0%	£144.10 (£5,187.62 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £4,500 for 36 months at 9.9% p.a. Total £5,187.62 repayable at £144.1 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529.01 repayable at £192.15 per month.	Check eligibility View details Compare product selection Compare	loading
8.2Great M&S Bank Personal Loan	8.2Great	£1,000 - £30,000	1 year - 7 years	0%	£144.10 (£5,187.62 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £4,500 for 36 months at 9.9% p.a. Total £5,187.62 repayable at £144.1 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.	Check eligibility View details Compare product selection Compare	loading
Not yet rated Sainsbury's Money Personal Loan (Nectar)	Not yet rated	£1,000 - £35,000	1 year - 10 years	0%	£166.97 (£6,010.93 overall) Representative Example: Representative 21.8% APR fixed. Based on a loan of £4,500 for 36 months at 21.8% p.a. Total £6,010.93 repayable at £166.97 per month.	Check eligibility View details Compare product selection Compare	loading
Not yet rated Sainsbury's Money Personal Loan (Non-Nectar)	Not yet rated	£1,000 - £35,000	1 year - 10 years	0%	£167.16 (£6,017.81 overall) Representative Example: Representative 21.9% APR fixed. Based on a loan of £4,500 for 36 months at 21.9% p.a. Total £6,017.81 repayable at £167.16 per month.	Check eligibility View details Compare product selection Compare	loading
7.4Great Santander Personal Loan Finder Award	7.4Great	£1,000 - £35,000	1 year - 5 years	0%	£140.63 (£5,062.60 overall) Representative Example: Representative 8.1% APR fixed. Based on a loan of £4,500 for 36 months at 8.1% p.a. Total £5,062.6 repayable at £140.63 per month.	Representative Example: Representative 6.7% APR fixed. Based on a loan of £10,000 for 60 months at 6.7% p.a. Total £11,740.2 repayable at £195.67 per month.	Check eligibility View details Compare product selection Compare	loading
7.6Great HSBC Personal Loan Finder Award	7.6Great	£1,000 - £30,000	1 year - 8 years	0%	£151.81 (£5,465.13 overall) Representative Example: Representative 13.9% APR fixed. Based on a loan of £4,500 for 36 months at 13.9% p.a. Total £5,465.13 repayable at £151.81 per month.	Representative Example: Representative 6.8% APR fixed. Based on a loan of £10,000 for 60 months at 6.8% p.a. Total £11,766.92 repayable at £196.12 per month.	Check eligibility View details Compare product selection Compare	loading
Not yet rated HSBC Personal Loan	Not yet rated	£1,000 - £30,000	1 year - 8 years	0%	£151.81 (£5,465.13 overall) Representative Example: Representative 13.9% APR fixed. Based on a loan of £4,500 for 36 months at 13.9% p.a. Total £5,465.13 repayable at £151.81 per month.	Representative Example: Representative 6.8% APR fixed. Based on a loan of £10,000 for 60 months at 6.8% p.a. Total £11,766.92 repayable at £196.12 per month.	Check eligibility View details Compare product selection Compare	loading
6.4Standard Novuna Personal Loan	6.4Standard	£1,000 - £35,000	2 years - 7 years	0%	£144.87 (£5,215.39 overall) Representative Example: Representative 10.3% APR fixed. Based on a loan of £4,500 for 36 months at 10.3% p.a. Total £5,215.39 repayable at £144.87 per month.	Representative Example: Representative 6.9% APR fixed. Based on a loan of £7,500 for 60 months at 6.9% p.a. Total £8,846.4 repayable at £147.44 per month.	Check eligibility View details Compare product selection Compare	loading
Not yet rated Lloyds Bank Personal Loan	Not yet rated	£1,000 - £35,000	1 year - 7 years	0%	£160.65 (£5,783.40 overall) Representative Example: Representative 18.5% APR fixed. Based on a loan of £4,500 for 36 months at 18.5% p.a. Total £5,783.4 repayable at £160.65 per month.	Check eligibility View details Compare product selection Compare	loading
Not yet rated John Lewis Money Personal Loan	Not yet rated	£1,000 - £50,000	1 year - 7 years	0%	£144.10 (£5,187.62 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £4,500 for 36 months at 9.9% p.a. Total £5,187.62 repayable at £144.1 per month.	Representative Example: Representative 9.9% APR fixed. Based on a loan of £10,000 for 60 months at 9.9% p.a. Total £12,594.46 repayable at £209.91 per month.	Check eligibility View details Compare product selection Compare	loading
7.4Great Admiral Personal Loan	7.4Great	£1,000 - £40,000	1 year - 8 years	0%	£149.88 (£5,395.80 overall) Representative Example: Representative 12.9% APR fixed. Based on a loan of £4,500 for 36 months at 12.9% p.a. Total £5,395.8 repayable at £149.88 per month.	Representative Example: Representative 12.9% APR fixed. Based on a loan of £10,000 for 60 months at 12.19% p.a. Total £13,405.8 repayable at £223.43 per month.	Check eligibility View details Compare product selection Compare	loading
7.5Great Shawbrook Bank Personal Loan	7.5Great	£1,000 - £50,000	1 year - 7 years	0%	£152.19 (£5,478.98 overall) Representative Example: Representative 14.1% APR fixed. Based on a loan of £4,500 for 36 months at 14.1% p.a. Total £5,478.98 repayable at £152.19 per month.	Representative Example: Representative 14.1% APR fixed. Based on a loan of £10,000 for 60 months at 14.1% p.a. Total £13,732.84 repayable at £228.88 per month.	Check eligibility View details Compare product selection Compare	loading
5.5Standard Plata Personal Loan	5.5Standard	£2,000 - £35,000	1 year - 5 years	0%	£153.73 (£5,534.41 overall) Representative Example: Representative 14.9% APR fixed. Based on a loan of £4,500 for 36 months at 14.9% p.a. Total £5,534.41 repayable at £153.73 per month.	Representative Example: Representative 14.9% APR fixed. Based on a loan of £7,000 for 36 months at 13.97% p.a. Total £8,609.09 repayable at £239.14 per month.	Check eligibility View details Compare product selection Compare	loading
Not yet rated Kroo Bank Personal Loan	Not yet rated	£1,000 - £25,000	1 year - 5 years	0%	£153.73 (£5,534.41 overall) Representative Example: Representative 14.9% APR fixed. Based on a loan of £4,500 for 36 months at 14.9% p.a. Total £5,534.41 repayable at £153.73 per month.	Check eligibility View details Compare product selection Compare	loading
6.4Standard Fluro Personal Loan	6.4Standard	£3,000 - £25,000	1 year - 5 years	From £250 – £250	£164.10 (£5,907.65 overall) Representative Example: Representative 16.5% APR fixed. Based on a loan of £4,500 and £250 arrangement fee for 36 months at 15.8% p.a. Total £5,907.65 repayable at £164.1 per month.	Representative Example: Representative 16.5% APR fixed. Based on a loan of £7,500 and £250 arrangement fee for 48 months at 14.5% p.a. Total £10,086.72 repayable at £210.14 per month.	Check eligibility View details Compare product selection Compare	loading
8Great Lendable Personal Loan	8Great	£1,000 - £25,000	1 year - 5 years	3%	£175.32 (£6,311.66 overall) Representative Example: Representative 20.4% APR fixed. Based on a loan of £4,500 and £135 arrangement fee for 36 months at 23.5% p.a. Total £6,311.66 repayable at £175.32 per month.	Representative Example: Representative 20.4% APR fixed. Based on a loan of £7,500 and £445 arrangement fee for 36 months at 15.7% p.a. Total £9,857.52 repayable at £273.82 per month.	Check eligibility View details Compare product selection Compare	loading
6.3Standard Abound Personal Loan Finder Award	6.3Standard	£2,000 - £12,000	1 year - 5 years	From £100 – £100	N/A	Representative Example: Representative 21.8% APR fixed. Based on a loan of £5,000 and £250 arrangement fee for 36 months at 17.7% p.a. Total £6,693.12 repayable at £185.92 per month.	Check eligibility View details Compare product selection Compare	loading
9.2Excellent Zopa Bank Personal Loan	9.2Excellent	£1,000 - £50,000	1 year - 7 years	0%	£169.07 (£6,086.59 overall) Representative Example: Representative 22.9% APR fixed. Based on a loan of £4,500 for 36 months at 22.9% p.a. Total £6,086.59 repayable at £169.07 per month.	Representative Example: Representative 22.9% APR fixed. Based on a loan of £10,000 for 60 months at 22.9% p.a. Total £16,164 repayable at £269.4 per month.	Check eligibility View details Compare product selection Compare	loading

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How we picked these

Finder Score for unsecured loans

To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

Written by

Chris Lilly

Head of publishing

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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 bio

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Chris has written 503 Finder guides across topics including:

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