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WiTMoney is a free financial comparison and information service, part of WiT Finance Group. We do not provide financial, investment or credit advice. WiT Money may receive a commission or referral fee from some providers when you follow a link or take out a product. See how we make money.

Product information is provided for comparison and general information purposes only and does not constitute a personal recommendation. Rates, fees, eligibility criteria and other terms can change. Always check the latest information and full terms directly with the provider before making a decision.

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  1. Home
  2. Borrow
  3. Personal Loans
  4. £400 borrowing

Compare £400 borrowing options

£400 is a very small amount. Mainstream unsecured personal loans from high-street banks are not typically advertised at this level. The options that do publish a matching range are usually short-term, membership or line-of-credit products, which can be expensive. Compare total repayable and whether you can repay without missing essentials.

Before you borrow

Cost, affordability and other options

  • Small-amount and high-cost credit can be expensive relative to the sum borrowed. Compare total repayable, not only the monthly or weekly figure.
  • Late or missed payments can add charges and make a credit file worse, which can make later borrowing harder.
  • Only borrow if repayments still leave enough for housing, food, energy and existing debts.
  • Check whether savings, an arranged overdraft, a payment plan with the bill issuer, or employer support would cover the gap.
  • Free help is available from MoneyHelper, Citizens Advice and StepChange. They are not lenders and will not charge for advice.
£50£100£200£300£400£500£600£750£1k£1,500£2k

This amount

Amount-aware explanation

£400 is a very small amount. Mainstream unsecured personal loans from high-street banks are not typically advertised at this level. The options that do publish a matching range are usually short-term, membership or line-of-credit products, which can be expensive. Compare total repayable and whether you can repay without missing essentials.

Dataset

Qualifying options

Only records whose verified range includes this amount are listed. Missing min/max values are excluded.

Cashfloat

Cashfloat Short-Term Loan · £300–£1,500

Creditspring

Creditspring Membership Credit · £400–£2,400

Drafty

Drafty Flex · £50–£3,000

Lending Stream

Lending Stream Short-Term Loan · £50–£1,500

Loans2Go

Loans 2 Go Unsecured Personal Loan · £250–£2,000

Moneyboat

Moneyboat Short-Term Loan · £200–£1,500

QuidMarket

QuidMarket Short-Term Loan · £300–£1,500

FAQs

Common questions

Related

Related amounts

  • Compare £500 borrowing options
  • Compare £300 borrowing options
  • Compare £200 borrowing options
  • Compare £1,000 borrowing options
  • Compare £100 borrowing options

Details checked 2026-08-22. Rates, fees and eligibility can change.