{"id":109761,"date":"2018-05-24T11:53:47","date_gmt":"2018-05-24T10:53:47","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=109761"},"modified":"2026-03-13T14:05:11","modified_gmt":"2026-03-13T14:05:11","slug":"best","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/best","title":{"rendered":"Best personal loans 2026"},"content":{"rendered":"

The best unsecured personal loan APR currently available is 5.7%. But the reality is loan rates vary from applicant to applicant (generally based on how healthy your credit record is). You can use our market rates calculator<\/a> to see today\u2019s rates for different loan amounts and durations. But to see your personal rates, use an eligibility checker<\/a>.<\/p>

Top personal loan companies for customer service<\/h3>

We asked the customers of personal loan providers featured in this table whether they\u2019d recommend it to a friend and we\u2019ve ordered the table by the percentage score. Our independent customer satisfaction survey was carried out in February 2026. Learn more about how we conducted our research<\/a>.<\/p>
Personal loan<\/th>Customers who\u2019d recommend<\/th>Details<\/th><\/tr><\/thead>
Tesco Bank<\/a><\/th>97%<\/td>Known for competitive rates, Tesco Bank<\/a> offers unsecured personal loans that users find straightforward to manage.<\/td><\/tr>
TSB<\/a><\/th>97%<\/td>TSB<\/a> is praised for its easy-to-navigate app and fixed-rate loans tailored for customers with good credit history.<\/td><\/tr>
M&S Bank<\/a><\/th>97%<\/td>M&S Bank<\/a> earns high marks for its quick application process and competitive interest rates. Customers value the clear communication throughout.<\/td><\/tr>
Nationwide<\/a><\/th>93%<\/td>Straightforward fixed-rate loans are a hallmark of Nationwide<\/a>. Members appreciate the low rates and the professional service provided.<\/td><\/tr>
Shawbrook Bank<\/a><\/th>90%<\/td>Shawbrook Bank<\/a> is noted for its specialist approach and clear engagement. Borrowers find the process seamless and the communication reliable.<\/td><\/tr>
Lendable<\/a><\/th>87%<\/td>Fast payouts and a simple digital application make Lendable<\/a> a popular choice. Several users noted the good customer service.<\/td><\/tr>
The AA<\/a><\/th>87%<\/td>Taking out a loan with The AA<\/a> is frequently described as a seamless experience. Customers appreciate the regular engagement and fixed repayments.<\/td><\/tr>
Sainsbury\u2019s Bank<\/a><\/th>87%<\/td>Sainsbury\u2019s Bank<\/a> is valued for its quick decision-making and efficient service. Customers find the application process straightforward and the staff helpful.<\/td><\/tr>
NatWest<\/a><\/th>87%<\/td>NatWest<\/a> offers a reliable experience with efficient service for existing customers. Many borrowers highlight the brand\u2019s professional and amenable approach.<\/td><\/tr>
Post Office Money<\/a><\/th>87%<\/td>Post Office Money<\/a> is seen as a reliable and trustworthy brand. Users find the service straightforward and appreciate the ease of management.<\/td><\/tr>
Barclays<\/a><\/th>83%<\/td>Barclays<\/a> provides a transparent experience with an app that makes tracking balances simple. Reviewers also praise the quick access to funds.<\/td><\/tr>
HSBC<\/a><\/th>83%<\/td>Customers value HSBC<\/a> for its competitive rates and friendly, helpful staff. The bank is frequently praised for its transparency and simple setup.<\/td><\/tr>
Virgin Money<\/a><\/th>83%<\/td>Virgin Money<\/a> is highlighted for its instant decisions and quick funding. Borrowers find the brand easy to deal with and the service efficient.<\/td><\/tr>
Monzo<\/a><\/th>83%<\/td>Managed entirely within the app, Monzo<\/a> loans are praised for their fixed repayments and same-day funding. Users value the intuitive digital interface.<\/td><\/tr>
AIB<\/a><\/th>83%<\/td>AIB<\/a> is noted for its transparent approach and competitive interest rates. Borrowers appreciate that the brand is reliable and provides a fairness guarantee.<\/td><\/tr>
Abound<\/a><\/th>83%<\/td>Realistic and reliable, Abound<\/a> offers flexible repayment plans that customers value. The process to obtain the loan was described as smooth.<\/td><\/tr>
Halifax<\/a><\/th>80%<\/td>Halifax<\/a> is praised for its quick decision-making and clear communication. Borrowers appreciate the easy application process and user-friendly app.<\/td><\/tr>
MBNA<\/a><\/th>80%<\/td>Targeted at those with excellent credit, MBNA<\/a> is described as a high-quality provider. Users value the brand\u2019s expertise and professional service.<\/td><\/tr>
Novuna<\/a><\/th>80%<\/td>Novuna<\/a> earns praise for its simple application process and quick payment times. Customers find the brand reliable and terms easy to understand.<\/td><\/tr>
Santander<\/a><\/th>77%<\/td>Santander<\/a> is seen as a stable and reliable provider for unsecured loans. Borrowers appreciate the helpful chat function and clear communication.<\/td><\/tr>
Finio Loans<\/a><\/th>77%<\/td>Helpful for those building their credit score, Finio Loans<\/a> is praised for its understanding staff. However, multiple users noted that interest rates are high.<\/td><\/tr>
RateSetter<\/a><\/th>77%<\/td>RateSetter<\/a> is valued for its easy digital process and fast access to funds. Borrowers find the platform simple to use and the service efficient.<\/td><\/tr>
Admiral<\/a><\/th>73%<\/td>Admiral<\/a> provides a straightforward loan process. While engagement is clear, some users were disappointed by high interest rates.<\/td><\/tr>
118 118 Money<\/a><\/th>73%<\/td>118 118 Money<\/a> is noted for its quick decisions for those with poor credit. However, some customers mentioned high interest costs and issues with customer service.<\/td><\/tr>
Zopa<\/a><\/th>73%<\/td>Zopa<\/a> is praised for its easy and efficient application process. While customers like the app, some users had trouble contacting customer service.<\/td><\/tr><\/tbody><\/table>