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Compare unsecured personal loans using verified lender data. Amount and term drive matching; representative APR is resolved by band where available.
Researched by WiT Money
Based on published lender information
Free to use
No charge to compare products
Subject to status
Acceptance and rates vary
Loans
Flexible unsecured borrowing for a wide range of needs.
Property-backed borrowing for homeowners — understand the risks first.
CompareCombine multiple debts into one monthly repayment.
CompareFund renovations, extensions and household projects.
CompareSpread eligible wedding costs over fixed monthly repayments.
CompareExplore lenders that may consider a wider range of credit histories.
CompareYour loan
Choose an amount and repayment term to compare matching loans.
Loan availability and rates are subject to eligibility.
£10,000 over 5 years12 with soft eligibility checks
We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. How we make money
Results are ordered by lowest comparable Representative APR by default. Your actual rate and eligibility may vary. Comparison methodology →
first direct Personal Loan
5.9%
Representative APR
£1,000–£50,000
Loan amount
1–8 years
Loan term
Same day possible
Funds available
after approval
Who can apply
First direct current account required
A full application may involve a hard credit search.
M&S Personal Loan
5.9%
Representative example
£1,000–£30,000
Loan amount
1–7 years
Loan term
Soft eligibility check available. A full application may involve a hard search.
Nationwide Personal Loan
5.9%
Representative APR
£1,000–£50,000
Loan amount
1–10 years
Loan term
Within 2 hours
Funds available
after approval
Who can apply
Nationwide current account, savings account or mortgage held at least 14 days
Soft eligibility check available. A full application may involve a hard search.
Tesco Bank Personal Loan
6%
Representative APR
£3,000–£35,000
Loan amount
1–10 years
Loan term
Next working day
Funds available
after approval
Soft eligibility check available. A full application may involve a hard search.
TSB Personal Loan
6.1%
Representative APR
£1,000–£25,000
Loan amount
1–7 years
Loan term
Same day possible
Funds available
Soft eligibility check available. A full application may involve a hard search.
Santander Personal Loan
6.4%
Representative APR
£1,000–£25,000
Loan amount
1–5 years
Loan term
Soft eligibility check available. A full application may involve a hard search.
HSBC Personal Loan
6.5%
Representative APR
£1,000–£30,000
Loan amount
1–8 years
Loan term
Same day possible
Funds available
Soft eligibility check available. A full application may involve a hard search.
NatWest Personal Loan
6.9%
Representative APR
£1,000–£50,000
Loan amount
1–10 years
Loan term
Same day possible
Funds available
after approval
Soft eligibility check available. A full application may involve a hard search.
Halifax Personal Loan
7.4%
Representative APR
£1,000–£50,000
Loan amount
1–7 years
Loan term
Same day possible
Funds available
Soft eligibility check available. A full application may involve a hard search.
Lloyds Personal Loan
7.4%
Representative APR
£1,000–£50,000
Loan amount
1–7 years
Loan term
Same day possible
Funds available
after approval
Soft eligibility check available. A full application may involve a hard search.
Zopa Personal Loan
22.9%
Representative example
£1,000–£50,000
Loan amount
1–7 years
Loan term
Soft eligibility check available. A full application may involve a hard search.
Bamboo Personal Loan
26.9%–49.7%
APR range
depends on amount
£2,000–£15,000
Loan amount
1–5 years
Loan term
Same day possible
Funds available
after approval
Soft eligibility check available. A full application may involve a hard search.
Evlo Personal Loan
30.5%–252.7%
APR range
depends on amount
£1,000–£15,000
Loan amount
18–60 months
Loan term
Application
Branch visit required to finalise
Soft eligibility check available. A full application may involve a hard search.
Product information
Last checked: 22 August 2026
Source: verified lender product information.
Representative APRs and product details are taken from verified lender disclosures and may change. Your rate depends on your circumstances. Credit subject to status. Comparing here does not guarantee acceptance. Always confirm current terms on the provider’s website.
Our methodology
We compare products using information published by UK lenders — focusing on the criteria below so you can weigh cost, flexibility and eligibility features side by side.
Published example rates used for relative cost comparison.
Published minimum and maximum borrowing ranges.
Available repayment periods from each lender.
Whether a soft-search eligibility journey is offered.
Typical timescales for receiving funds if approved.
Whether early settlement is allowed and related terms.
Eligibility
Eligibility depends on the lender. Typical requirements are a guide only — acceptance is never guaranteed.
Meeting typical conditions does not guarantee acceptance or the representative APR shown.
Before you apply
Use this checklist to focus on total cost and affordability before you submit a full application.
You can estimate repayments with our loan calculator.
Representative APR
Representative APR is an example rate. Not every applicant receives it — your offered rate depends on creditworthiness and affordability. Compare the total amount repayable, not APR alone.
Total cost example
A loan with a higher monthly repayment over a shorter term can cost less overall than a lower monthly repayment stretched over more years. When two products look similar on APR, check term length and total repayable before deciding.
Credit searches
Soft eligibility checks and full applications are treated differently on your credit file.
A soft eligibility check does not guarantee acceptance. Learn more in How credit checks work.
Important information
General information only — always confirm current terms with the lender.
Loan types
Most products on this page are unsecured. If you need finance for a vehicle, see car finance.
Alternatives
Depending on your goal, another form of credit — or waiting and using savings — may be more suitable than a personal loan.
May suit a planned purchase you can clear before interest starts, if you qualify and repay on time.
Credit cardsCan help if you already have revolving card debt and can clear it within a promotional period.
Credit cardsSometimes useful for a very short cashflow gap, but costs can rise quickly if used for longer.
Credit score guidesLocal credit unions may offer smaller loans with different criteria. Availability varies by area.
Credit guidesIf borrowing can wait, using savings may cost less than interest on a new loan — weigh the trade-offs carefully.
Savings accountsFAQs
Concise UK-focused answers on APR, eligibility, repayments and credit searches.
Last reviewed: 22 August 2026
Found an outdated product or rate? Email contact@witfinancegroup.com and we'll review verified updates promptly.
Use the loan calculator to sense-check monthly cost and term length.
Explore
Compare other participating products alongside a named provider. Not a ranking.
Explore
Side-by-side published facts for selected borrowing providers.
Related
Links are chosen from this category’s registry — not a generic keyword dump.