Our scores and ratings can provide you with a quick overview of how a personal loan stacks up against the market. At Finder, we provide two ratings: one that reflects our experts’ assessment of the personal loan and another that captures customer satisfaction of a loan provider’s service.
These scores serve as a starting point when it comes to choosing a loan. They don’t show if a lender is the right choice for you and your needs.
Whilst you can certainly delve into our in-depth reviews for a greater understanding of each lender, ultimately, the provider which best suits your needs is your decision.
What is the Finder score?
Our expert team evaluates various products in our database, assigning each one a score out of 10. A higher score means the product is more competitive and may offer better value.

If you want peace of mind, this rating will give it to you. These products offer the best value and outcomes considering various product features, terms, conditions and price.

Well-balanced products that provide what you need, offering a healthy mix of competitive features at a good price. However, they’re not quite the best in class.

Bottom line: You can find better, but these products still offer reasonable value and have the basics sorted.

These products may not offer much value in the long run, and there are better options available.
So, how do we score personal loans?
We dive into the details of each loan, including:
- Amount range. How little or how much can you borrow?
- Term range. How short or long can you borrow for?
- Repayment holiday. Does the provider let you take a break whilst repaying back the loan?
- Early redemption penalty. Will you be penalised if you repay the loan before your contracted term agreement?
- Repayment changeable. Can you change how much you want to repay?
- Overpay without penalty. Can you overpay when repaying back the loan?
- Same day funds. Can you potentially receive funds the same day you apply?
- Lump sum payments. Can you repay in lump sums?
- Existing customers only. Is the loan only available to existing customers?
- Ethical or green lending. Does the provider reduce its impact on the environment or help the local community?
- Open-banking. Does the loan use open-banking to help decide whether or not to approve your loan application?
- Transparency. Is the provider transparent with their fees?
From here, we can see which provider’s offer the better loan flexibility, perks and transparency compared to its competitors. We then rate each aspect of the loan based on its performance in the market.
Your reviews and our customer survey
In January 2025, we ran a customer satisfaction survey on personal loan providers. The survey asked 755 respondents how satisfied they are with their investment platform on a scale from 1 to 5, and also whether they would recommend it to a friend or not.
You can see review stars at the top of our review pages, if we’ve received more than 10. These are from consumers just like you who use our site and want to review the products and providers they use. We include ratings out of 5 and responses we’ve received in our annual customer satisfaction surveys.
★★★★★ – Excellent
★★★★★ – Good
★★★★★ – Average
★★★★★ – Subpar
★★★★★ – Poor
We also show the percentage who would recommend each provider in a league table in guides and on our awards pages.
More guides on Finder
-
Personal loans for good credit: Rates from 5.8%
Find the most competitive loan rates in the UK for high credit scores.
-
Capital One personal loan alternatives
Capital One may not offer personal loans in the UK, but here are alternative options for those with less than perfect credit.
-
Compare personal loans for fair credit scores
If your credit score isn’t spotless, you still have options when it comes to borrowing.
-
Personal loans with no fees
Everything you need to know about personal loans that charge no fees.
-
Caravan finance and loans
Hoping to buy a caravan, but worried about what it’ll do to your wallet? We’ve got the guide to ease those worries, so you can look forward to making lasting memories.
-
Compare laptop loans
In need of a new computer but not sure how you can afford it? Whether your computer is broken beyond repair or you need one with more storage, we’ve put together a guide to help you find the best laptop loan for you.
-
Norwich Trust loan calculator
Find out if a Norwich Trust homeowner loan is right for you. We walk you through the key features, eligibility and how to apply in this handy guide.
-
Loans for boilers
Need a new boiler but can’t afford it? We’ve got the guide to help, with everything you need to know about loans, boiler finance schemes and other ways that you can afford a new boiler.
-
Bad credit personal loans
Got a patchy credit record? All’s not lost – there are lenders who will consider you for a personal loan. Find out which ones, learn how to compare them and read about alternative options.
-
Compare low-interest personal loans
See which online lenders offer personal loans with low interest rates and learn how to get a loan with minimum interest.