Personal loans made simple, finally.

£1,000 to £35,000

Shawbrook Bank Personal loans
Lendable Personal loans
Bamboo Personal loans
RateSetter Personal loan
Step One Finance Personal loan

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Low, competitive rates

No upfront fees

Adverse credit considered

Free, personalised quote

Representative example:

Annual Interest Rate 13.1% fixed, Representative 13.9% APR, based on borrowing £16,416 over 84 monthly repayments of £299.41, total amount repayable £25,150.44.

Personal Loan Personal loan icon

Based on £5000 over 36 months

Lender logo Personal loan


6.81% APR

Total amount payable

£ 5,525.02

Monthly repayment

£ 153.47

Representative example: Borrowing £7,000 over 48 months, repaying £175.79per month, total repayable £8437.73. Interest rate 9.9% APR.

Lender logo Personal loan


7.91% APR

Total amount payable

£ 5,609.87

Monthly repayment

£ 155.83

Representative example: 12.9% APR Representative Fixed based on a loan of £10,000 repayable over 60 Months. Monthly payment of £223.43 total amount repayable £13,405.80

Lender logo Personal loan


14.91% APR

Total amount payable

£ 6,149.35

Monthly repayment

£ 170.82

Representative example: Borrow £3,000 over 5 year term, £69.76 per month. Fixed rate for 5 years at 14.9%. Total amount payable: £4,185.48. The overall cost for comparison is 14.9% APR representative.

Lender logo Personal loan


18.01% APR

Total amount payable

£ 6,387.97

Monthly repayment

£ 177.44

Representative example: Borrow £5,000 over 36 months term, £189.89 per month. 12.24% (Fixed) Interest Rate P.A. £0 Arrangement Fee. Total Interest Repayable £1,836.04, Total Amount Repayable £6,836.04, 24.8% APR Representative.

Lender logo Personal loan


19.91% APR

Total amount payable

£ 6,533.65

Monthly repayment

£ 181.49

Representative example: Borrowing £3,000 over 2 years at an interest rate of 67.9% p.a. (fixed), you will repay 24 monthly payments of £231.78 per month. Interest payable £2,562.75. Total amount payable £5,562.75. Representative 93.6% APR. Rates from 24.2% to 299.9% max APR.

Lender logo Personal loan


21% APR

Total amount payable

£ 6,617.21

Monthly repayment

£ 183.81

Representative example: Loan Amount: £7,000.00, Loan Term: 60 months, Monthly Interest Rate: 42.58% PA (Fixed), Monthly Repayments: £292.32, Total Amount Repayable: £17,539.00, This example includes an Acceptance Fee of £700 (10% of the loan amount) and an Administration Fee of £390.

Lender logo Personal loan


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Total amount payable

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Monthly repayment

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Representative example: {{representativeExample}}

Your personal loan in 3 simple steps

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Tell us what you are looking for

Complete our quick online form or give us a call on 0808 169 6496– whatever works best for you. We’ll make the process as pain-free as possible.
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Give it a final check

Are you happy with your personal loan and rate? Can you afford the repayments? Now’s the time to make sure it’s what you want.
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Enjoy your personal loan 

Your loan will be paid directly into your bank account and that’s it! What’s more, if you need us again the process gets even simpler next time.

Our happy customers

5 stars review - loans experts

“The staff were extremely helpful, very efficient in their communication, which helped make our process seamless.”


5 stars review - loans experts

“The application was stress free, and I felt my application and information were in safe and professional hands.”

R Virgo

5 stars review - loans experts

“Extremely helpful, very detailed discussion and got my wife and I a far better rate on a loan that even our own bank couldn’t beat!”

Stephen Mackenton

4.9 / 5 Rating

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What is a personal loan?

A personal loan is money that you borrow from a lender, usually over a set period and with set repayments. The loan can be taken out to spend on anything you need, from home improvements or a new, more reliable car to debts consolidation with the money being used to pay off credits cards or smaller loans. A personal loan could be used for practically anything, even a much-needed holiday. As long as the lender approves the loan, you are literally good to go. 

How do they work?

A personal loan is a type of unsecured loan. This means that it’s not secured against any of your assets. This is unlike a mortgage which is secured against the value of your home, or loan secured against your car. Because of this, personal loans are also commonly known as unsecured loans, consumer loans or signature loans. Other types of unsecured loans include student loans and credit cards. With a personal (unsecured) loan, if you become unable to repay it, the lender won’t be able to try to get the money back by making a claim against your home or other assets.

What's the maximum I can borrow with a personal loan?

At our personal loans range from £1,000 to £35,000. 

Do I need a deposit for a personal loan?

Although it is best if you can use at least some of your savings towards whatever you need the loan for, you do not need a deposit with a personal loan.

What will lenders need to consider?

Lenders will look at a number of factors when deciding if you’re suitable for a personal loan. The most common criteria they use includes your:

  1. Credit rating. If you have a poor credit score, you might be charged a higher rate of interest, or may not be approved at all.
  2. Personal income. The minimum income amount varies between lenders and will also depend on the amount you’re looking to borrow.
  3. Job status. Many lenders will require you to be in full-time employment, but some might not.
  4. Location. To take out a personal loan with a lender that’s based in the UK, you must be resident in the UK.
  5. Age. Your minimum age to take out a personal loan is 18-years-old. The maximum age you may be by the time the loan’s due to be fully repaid is usually 70.


Which will be the best for me?

To determine the best loan for you we will need to find out your needs and circumstances, then we will be able to quickly deliver the loan to you so that you can get on with carrying out your plans.

How will I repay it?

Personal loans are repaid in fixed payments. This is usually every month over the agreed time period (the term of the loan). Each monthly repayment combines the amount borrowed (the capital) and an amount of interest. Each instalment is calculated to ensure that the full amount (both the capital and interest) is paid in full by the end of the term.  

The most common way to charge interest on a personal loan is using a fixed rate. This means the rate remains the same and is unchanged by any market interest rate ups and downs.  

Remember that the shorter the time period, the less interest will need paying but the payments will be larger. And if you opt for a longer time period, you will be making smaller payments but more interest will be paid in total. 

If you decide you’d like to repay the loan back early, check whether there are any early repayment fees.

How long do I have to repay the personal loan?

Personal loans are repaid over a shorter period than many other loans. The standard duration is one to seven years, though we all offer ones with ten year terms

What happens if I cannot repay my personal loan?

If you have problems repaying the loan, you could reach out to the lender to explain what the issue is. If your situation has changed since you took the loan out, the lender may work with you to create and agree a suitable repayment plan. However, if you do not work with the lender and continue to miss payments, this could result in them taking court action.

Why should I choose to take out a loan with
  1. We are fast. We know you want to get on with your plans quickly, so we aim to get you approved for a loan in minutes and the money you need into your account within just a day of your application being approved.
  2. We will find the best loan for you. We work with many trusted lenders so we can find a competitive rate for you and your circumstances.
  3. Our search for your loan won’t harm your credit rating. Some searches for credit can be recorded and that can be bad for your score and your chances of getting approval.
  4. We make applying for a personal loan quick and easy. It will take you just minutes to give us the details we need to scour the market for a competitive loan for you.

Find your loan

Complete our quick and simple form Personal loan Online Application icon

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