Compare UK personal loans and rates

Borrowing sensibly with a personal loan

A personal loan gives you a fixed amount over a fixed term with fixed monthly repayments, which makes budgeting predictable. Whether you are consolidating existing debts, funding home improvements or spreading the cost of a car, the headline figure that matters is the representative APR — it bundles the interest and any compulsory fees into one comparable number. Borrowing more, over a shorter term, generally attracts a lower rate, but always check the total amount repayable, not just the monthly figure. A soft-search quote lets you see your likely rate without affecting your credit score. Only borrow what you can comfortably afford to repay, and check whether early repayment charges apply if you might clear the loan ahead of schedule. Every representative example below is illustrative; your actual rate depends on your circumstances and is subject to status.

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What to check before you apply

• The representative APR or AER, not just the headline offer
• Any monthly, annual or transfer fees
• Eligibility criteria and whether a soft search is available
• How the product is protected (FSCS, Section 75)
• The provider’s own terms and conditions in full