Welcome to the Finder Customer Satisfaction Awards 2026
Our awards are decided by the only votes that really matter – yours. We partnered with the research consultancy Censuswide to ask customers of major personal loans providers in the UK to tell us about their experiences. The final scores have been counted and the results are in…
Winner: Personal loans
Tesco Bank
Tesco Bank is this year’s winner with a 97% recommendation score. Customers rated the loan provider for the quick and easy application process, good communication and clear information.
Highly commended: Personal loans
TSB
The highly commended position goes to TSB this year for personal loans. Customers particularly loved the great customer service, and described the bank as reliable and trustworthy.
Best personal loan providers for customer satisfaction in 2026
| Personal loan | Customers who’d recommend | Details |
|---|---|---|
| Tesco Bank | 97% | Known for competitive rates, Tesco Bank offers unsecured personal loans that users find straightforward to manage. |
| TSB | 97% | TSB is praised for its easy-to-navigate app and fixed-rate loans tailored for customers with good credit history. |
| M&S Bank | 97% | M&S Bank earns high marks for its quick application process and competitive interest rates. Customers value the clear communication throughout. |
| Nationwide | 93% | Straightforward fixed-rate loans are a hallmark of Nationwide. Members appreciate the low rates and the professional service provided. |
| Shawbrook Bank | 90% | Shawbrook Bank is noted for its specialist approach and clear engagement. Borrowers find the process seamless and the communication reliable. |
| Lendable | 87% | Fast payouts and a simple digital application make Lendable a popular choice. Several users noted the good customer service. |
| The AA | 87% | Taking out a loan with The AA is frequently described as a seamless experience. Customers appreciate the regular engagement and fixed repayments. |
| Sainsbury’s Bank | 87% | Sainsbury’s Bank is valued for its quick decision-making and efficient service. Customers find the application process straightforward and the staff helpful. |
| NatWest | 87% | NatWest offers a reliable experience with efficient service for existing customers. Many borrowers highlight the brand’s professional and amenable approach. |
| Post Office Money | 87% | Post Office Money is seen as a reliable and trustworthy brand. Users find the service straightforward and appreciate the ease of management. |
| Barclays | 83% | Barclays provides a transparent experience with an app that makes tracking balances simple. Reviewers also praise the quick access to funds. |
| HSBC | 83% | Customers value HSBC for its competitive rates and friendly, helpful staff. The bank is frequently praised for its transparency and simple setup. |
| Virgin Money | 83% | Virgin Money is highlighted for its instant decisions and quick funding. Borrowers find the brand easy to deal with and the service efficient. |
| Monzo | 83% | Managed entirely within the app, Monzo loans are praised for their fixed repayments and same-day funding. Users value the intuitive digital interface. |
| AIB | 83% | AIB is noted for its transparent approach and competitive interest rates. Borrowers appreciate that the brand is reliable and provides a fairness guarantee. |
| Abound | 83% | Realistic and reliable, Abound offers flexible repayment plans that customers value. The process to obtain the loan was described as smooth. |
| Halifax | 80% | Halifax is praised for its quick decision-making and clear communication. Borrowers appreciate the easy application process and user-friendly app. |
| MBNA | 80% | Targeted at those with excellent credit, MBNA is described as a high-quality provider. Users value the brand’s expertise and professional service. |
| Novuna | 80% | Novuna earns praise for its simple application process and quick payment times. Customers find the brand reliable and terms easy to understand. |
| Santander | 77% | Santander is seen as a stable and reliable provider for unsecured loans. Borrowers appreciate the helpful chat function and clear communication. |
| Finio Loans | 77% | Helpful for those building their credit score, Finio Loans is praised for its understanding staff. However, multiple users noted that interest rates are high. |
| RateSetter | 77% | RateSetter is valued for its easy digital process and fast access to funds. Borrowers find the platform simple to use and the service efficient. |
| Admiral | 73% | Admiral provides a straightforward loan process. While engagement is clear, some users were disappointed by high interest rates. |
| 118 118 Money | 73% | 118 118 Money is noted for its quick decisions for those with poor credit. However, some customers mentioned high interest costs and issues with customer service. |
| Zopa | 73% | Zopa is praised for its easy and efficient application process. While customers like the app, some users had trouble contacting customer service. |
Customer satisfaction ratings 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 750 personal loan customers was carried out in February 2026.
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.
Previous winners
| Year | Brand | Award type | Award category | Position | Finder Badge |
|---|---|---|---|---|---|
| 2025 | Nationwide | Customer Satisfaction Awards | Personal Loans | Winner |
|
| 2024 | Monzo | Customer Satisfaction Awards | Personal Loans | Winner |
|
| 2024 | HSBC | Customer Satisfaction Awards | Personal Loans | Highly Commended |
|
| 2023 | Tesco Bank | Customer Satisfaction Awards | Personal Loans | Winner |
|
| 2023 | Sainsbury's Bank | Customer Satisfaction Awards | Personal Loans | Winner |
|
| 2023 | Santander | Customer Satisfaction Awards | Personal Loans | Highly Commended |
|
| 2022 | M&S Bank | Customer Satisfaction Awards | Personal Loans | Winner |
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| 2022 | Zopa | Customer Satisfaction Awards | Personal Loans | Highly Commended |
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