Find loans you'll get approved for
Good or bad credit histories considered
Fast funding with no hidden costs
One simple form to compare lenders
To make comparing even easier 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 methodologyThankfully, there are alternatives to guarantor loans if you’re looking to borrow money and have a poor credit score.
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.
It can be overwhelming trying to compare the various forms of credit. Your best option is to look for the annual percentage rate (APR) of all the products you’re evaluating. This figure, which has to be displayed for all forms of credit, will make it clear what the cheapest product is. finder’s comparison table for bad credit personal loans is a good place to start.
Make sure you check the other terms associated with the loan, including the minimum eligibility criteria. If you don’t meet the criteria, there’s no point applying for the loan, as you’ll automatically be rejected. This will harm your credit score and make it harder to be approved for credit in the future.
If you feel like you may struggle to meet the monthly repayments, choose a product with a longer term. The overall cost of this product will be higher, but it’s important to avoid missed repayments as this will also send your credit score plummeting and may result in extra fees, too.
The key to getting the best rate for your circumstances is to take the time to search all your available options, and select the cheapest overall product that you can comfortably afford to repay each month.
Abound (formerly Fintern) is a UK lender that promises to offer borrowing “reinvented”, with affordable tailored loans.
Considering an M&S Bank personal loan? Use our calculator to work out how much you’ll pay back and how M&S holds up against the competition.
Novuna (formerly Hitachi) Personal Finance is not a bank – it’s a simplified, online finance provider from Japan that makes instant decisions on personal loans. Check out whether Novuna could be the yin to your financial yang.
Planning a large expenditure like some home improvements, a wedding or a new car? Looking to simplify existing debt? Then an unsecured personal loan could help you. Here are some popular UK lenders that we review and compare.
Compare Post Office fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.
Compare Tesco fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.
Find out more about M&S unsecured personal loans of between £1,000.00 to £25,000.00 Enjoy a fixed rate, no setup fees and the option to defer repayments for the first three months.
Find out all you need to about personal loans from the AA. Fast, simple comparison with a range of UK lenders.
Compare Halifax fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.
Compare NatWest fixed-rate personal loans against products from a range of UK lenders. Apply online and secure a competitive rate.