{"id":442522,"date":"2022-03-07T13:23:39","date_gmt":"2022-03-07T13:23:39","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=442522"},"modified":"2025-07-14T09:04:01","modified_gmt":"2025-07-14T08:04:01","slug":"loans-for-good-credit","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/loans-for-good-credit","title":{"rendered":"Personal loans for good credit: Rates from 5.7%"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center has-padding-small\"><p class=\"has-margin-bottom-xxsmall\">Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.<\/p><p>Late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/p><\/div><\/article><h3>How important is your credit score for a loan?<\/h3><p>Whether you want to make upgrades to your house or pay for your dream wedding, a higher credit score could allow you access to some of the top rates from lenders. However, credit score isn\u2019t everything. There are additional factors that lenders consider when making loans, such as your income and job security, your current and historical financial circumstances and your terms of application.<\/p><h3>What is classed as a good credit score?<\/h3><p>Depending on the credit reference agency (CRA), a good credit score can be anywhere between 628-1,000. In the UK we have 3 main CRAs, <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/equifax\">Equifax<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/experian\">Experian<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/transunion\">TransUnion<\/a>, we have broken down the credit score bands as follows:<\/p><ul class='nav nav-tabs pb-tabs'><li class=\"active\"><a href=\"#tab4893\" data-toggle=\"tab\">Equifax<\/a><\/li><li class=\"\"><a href=\"#tab4269\" data-toggle=\"tab\">Experian<\/a><\/li><li class=\"\"><a href=\"#tab5176\" data-toggle=\"tab\">TransUnion<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab4893\" class=\"tab-pane active \"><table class=\"luna-table luna-table--responsiveList has-margin-bottom\"><thead class=\"luna-table__header\"><tr><th scope=\"col\" class=\"u-1\/6@s\">Score band<\/th><th scope=\"col\" class=\"u-1\/6@s\">Rating<\/th><th scope=\"col\" class=\"u-1\/3@s\">What it means<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>811\u20131,000<\/th><td>Excellent<\/td><td>You&#8217;re very likely to be approved for competitive credit offers.<\/td><\/tr><tr><th>671\u2013810<\/th><td>Very good<\/td><td>You&#8217;re likely to be approved for credit, but won&#8217;t necessarily be offered the very best interest rates.<\/td><\/tr><tr><th>531\u2013670<\/th><td>Good<\/td><td>You should be offered credit at reasonable interest rates, but may have a low initial credit limit.<\/td><\/tr><tr><th>439\u2013530<\/th><td>Fair<\/td><td>You have a chance of being approved for credit, but are likely to be charged a high interest rate and have a low limit.<\/td><\/tr><tr><th>0\u2013438<\/th><td>Poor<\/td><td>It&#8217;s likely your credit application will be rejected.<\/td><\/tr><\/tbody><\/table><\/div><div id=\"tab4269\" class=\"tab-pane \"><table class=\"luna-table luna-table--responsiveList has-margin-bottom\"><thead class=\"luna-table__header\"><tr><th scope=\"col\" class=\"u-1\/6@s\">Score band<\/th><th scope=\"col\" class=\"u-1\/6@s\">Rating<\/th><th scope=\"col\" class=\"u-1\/3@s\">What it means<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>961\u2013999<\/th><td>Excellent<\/td><td>You could be in line for the best loan interest rates.<\/td><\/tr><tr><th>881\u2013960<\/th><td>Good<\/td><td>You could get most, though not all, of the best deals.<\/td><\/tr><tr><th>721\u2013880<\/th><td>Fair<\/td><td>You should have access to loans with reasonable rates of interest.<\/td><\/tr><tr><th>561\u2013720<\/th><td>Poor<\/td><td>You may get accepted for a loan, but with higher interest rates.<\/td><\/tr><tr><th>0\u2013560<\/th><td>Very poor<\/td><td>You may be rejected for a loan or find it hard to get one without very high interest rates.<\/td><\/tr><\/tbody><\/table><\/div><div id=\"tab5176\" class=\"tab-pane \"><table class=\"luna-table luna-table--responsiveList has-margin-bottom\"><thead class=\"luna-table__header\"><tr><th scope=\"col\" class=\"u-1\/6@s\">Score band<\/th><th scope=\"col\" class=\"u-1\/6@s\">Rating<\/th><th scope=\"col\" class=\"u-1\/3@s\">What it means<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>628\u2013710<\/th><td>Excellent<\/td><td>You&#8217;re very likely to be approved for competitive credit offers.<\/td><\/tr><tr><th>604\u2013627<\/th><td>Good<\/td><td>You&#8217;re likely to be approved for credit, but won&#8217;t necessarily have the best interest rates.<\/td><\/tr><tr><th>566\u2013603<\/th><td>Fair<\/td><td>You should be offered reasonable interest rates, but are likely to have a low credit limit.<\/td><\/tr><tr><th>561\u2013565<\/th><td>Poor<\/td><td>You have a chance of being approved for credit, but are likely to be charged a high interest rate and have a low limit.<\/td><\/tr><tr><th>0\u2013550<\/th><td>Very poor<\/td><td>It&#8217;s highly likely your credit application will be rejected.<\/td><\/tr><\/tbody><\/table><\/div><\/div><p>Your credit score isn\u2019t always the only thing lenders look at when considering applicants. If you have a good-excellent credit score and have been refused a loan, find out what you can do with our <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/999-credit-score-refused-loan\">helpful guide<\/a>.<\/p><h3>What is a good interest rate on a personal loan?<\/h3><p>Generally, when you\u2019re looking at interest rates for a personal loan the consensus is that the lower the percentage, the better the rate &#8211; or at least lower than the UK average. However, this doesn\u2019t mean that this is the best rate on the market. A personal loan could have an extremely low interest rate but comes with an array of additional charges. When looking at applying for a loan it is always wise to look at both the interest rate and the APR. <\/p><p>The APR considers all the additional factors (including the interest rate) that the borrower will have to pay annually. Typically the APR and interest rate will be the same if there are no additional charges. <\/p><p>Lenders will provide a representative APR, which is the APR that a lender realistically expects 51% of its customers to receive. However it is good to note, even if you have a first-class credit score you could still be offered a tailored (\u201crisk-based\u201d) rate if your application is successful.<\/p><p>The best representative APR on the market for loans starts from 0%. <\/p><h3>Pros and cons of a good credit personal loan<\/h3><ul class=\"list-1\"><li>Access to competitive rates<\/li><li>More favourable terms<\/li><li>Higher chance of approval<\/li><\/ul><ul class=\"list-12\"><li>Missed repayments could harm your credit score<\/li><li>Just because you can, doesn&#8217;t mean you should borrow more than you can afford to pay back<\/li><li>If you only want to borrow a small sum, a credit card with higher spending limits could be a better option<\/li><\/ul><h3>What should I look for in a personal loan?<\/h3><p>Other than interest rates and APRs, there are some additional factors to consider when looking to apply for a loan. Here are some key questions to ask yourself:<\/p><ul><li><strong>Are the interest rates competitive?<\/strong> Compare different personal loans and find the best deal that works for you.<\/li><li><strong>Are there any extra fees?<\/strong> Are there any late repayment or overpayment charges?<\/li><li><strong>Can I borrow the amount I want and for how long?<\/strong><\/li><li><strong>Can I afford to take out this loan?<\/strong> This is a pretty important question to ask yourself when deciding to borrow money. Can you afford the monthly payments? Late repayments can cause you serious money problems and potentially lead to the repossession of your home. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\">debt help guides<\/a> for more information.<\/li><li><strong>Am I eligible?<\/strong> You could have a top-notch credit score and still not be a successful applicant. Many lenders borrow to UK-only residents within specific age ranges. You can check your eligibility using our free personal loan eligibility checker.<\/li><li><strong>Can I make overpayments or repay the loan early?<\/strong> If you want to clear your debt quicker, some lenders allow you to overpay each month or even repay your debt before your loan term contract expires. But, make sure you read the fine print as this often comes as an extra cost.<\/li><\/ul><h3>How can I improve my chances of being approved?<\/h3><p>You could have an excellent credit score of 999 and still struggle to get a loan. Here are some tips to help you improve your chances of getting approved by lenders:<\/p><ul><li>Check you\u2019re registered on the electoral roll.<\/li><li>Repay existing debt.<\/li><li>Check your credit report is correct and up-to-date.<\/li><li>Avoid changing jobs before you apply.<\/li><li>Avoid changing your residential address.<\/li><li>Use an eligibility checker before you apply.<\/li><\/ul><h3>What will I need in order to apply?<\/h3><p>Whether you\u2019re ready to apply for a personal loan or still in the process of research, it is good to know what documents you will need to provide to lenders.<\/p><p>In order to lend responsibly, lenders will need:<\/p><ul class=\"list-1 has-margin-bottom\"><li><strong>Proof of identification.<\/strong><\/li><li><strong>Proof of address.<\/strong><\/li><li><strong>Proof of affordability.<\/strong><\/li><\/ul><p>Vast majority of lenders will verify your identity and address electronically through a credit reference agency (CRA) like Experian. In this case, you may need to answer some questions that only you would know the answer to.<\/p><p>If you are applying for a loan directly through a branch or if the CRA database does not hold any information on you, you may need to prove your identity by providing a photo of yourself, plus a photo of the identification page of your passport (or another acceptable form of ID). The lender will then be able to verify your documents in person or through technology provided by a CRA.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/personal-loan-documents\"><strong>The documents needed to apply for a personal loan<\/strong><\/a><\/p><h3>What can I use a personal loan for?<\/h3><p>Need to get the builders in or spread the cost of your dream <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/wedding\">wedding<\/a>? Personal loans can be used for an array of reasons. Here is a list of some common reasons to take out a personal loan:<\/p><ul class=\"list-1 has-margin-bottom\"><li>Buying a new car<\/li><li>Paying for a wedding<\/li><li>Home improvement<\/li><li>Buying furniture<\/li><li>Paying for a holiday<\/li><li>Consolidating debt<\/li><\/ul><p>In order to borrow responsibly, there are a few reasons you should avoid using a loan for:<\/p><ul class=\"list-12\"><li>A deposit on a property<\/li><li>Gambling<\/li><li>Business purposes<\/li><li>Share dealing<\/li><\/ul><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Will taking out a personal loan hurt your credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Taking out a personal loan will not hurt your credit score, however, if you don\u2019t repay your loan in time each month, this can have a negative impact on your credit score.<\/p><p>Late repayments can cause you serious money problems and potentially lead to the repossession of your home. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\">debt help guides<\/a> for more information.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Will my credit score affect my personal loan interest rate?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Your credit score is one of many factors that lenders consider when reviewing your application. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What credit score is needed to get a loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There is no set credit score limit to get a loan, but your likelihood of being a successful applicant is based on how creditworthy you are. There are other factors that lenders consider when reviewing applicants.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Where can I get a loan for good credit?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you&#8217;ve got a good credit score and looking to borrow, you might be able to secure top rates from a range of lenders. Use our <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/loans-for-good-credit#compare\">comparison table<\/a> to find the most competitive loan rates in the UK for high credit scores for May 2026.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find the most competitive loan rates in the UK for high credit scores.<\/p>\n","protected":false},"author":1231,"featured_media":444506,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[2565,3750],"asset_tag":[],"class_list":["post-442522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans","tag-latest-3","tag-money-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- 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