Rate dashboard

Compare loans. Borrow smarter.

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

Quick funding From 7.9% APR

Emergency loan options

Fast approval offers with same-day funding where available.

Amounts
$1k–$25k

Terms
12–60 mo
Debt reset No hidden fees

Debt consolidation picks

Compare offers designed to simplify multiple balances into one payment.

APR range
6.9%–22.4%

Top use
Refinance
Borrow smarter Soft check

Home improvement rates

Find lenders with clear term ranges before you start your project.

Projects
Roof, HVAC

Max term
84 mo

Recently added

Lending Stream Short-Term Loan

Lending Stream

Amount £50–£1.5k
Type personal
Term 3–6 mo

This is high-cost credit — only consider it as a genuine last resort when you've exhausted all other options including credit unions.

Hitachi Personal Finance Home Improvement Loan

Novuna (Hitachi)

Amount £1k–£25k
Type home_improvement
Term 12–120 mo

Strong option for home improvements with competitive rates and longer terms up to 10 years. Well-established in the UK retail finance space.

iwoca Business Loans

iwoca

Type Business

iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.

HSBC Personal Loan

HSBC

Amount £1k–£25k
Type personal
Term 12–60 mo

Among the lowest headline APRs on the market for larger loans. The 3.9% rate is genuinely competitive if you qualify.

Zuto Car Finance

Zuto

Amount £1k–£75k
Type car_finance
Term 24–60 mo

Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.

Funding Circle Business Loans

Funding Circle

Type Business

Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.

Nationwide Personal Loan

Nationwide

Amount £1k–£25k
Type personal
Term 12–60 mo

A trustworthy building society with fair rates. You need to be a member, but opening an account is easy.

CarFinance 247

Amount £1k–£50k
Type auto
Term 12–60 mo

CarFinance 247 provides quick access to a wide range of auto loans, but high APRs may deter some borrowers.

Virgin Money Personal Loans

Virgin Money

Amount £1k–£25k
Type Personal
Term 12–60 mo

Virgin Money offers competitive personal loans with flexible terms, making them an appealing option for borrowers. However, potential applicants should ensure they meet the credit score requirements.

MotoNovo Finance

Amount £4k–£75k
Type car_finance
Term 12–60 mo

MotoNovo Finance is a solid choice for those looking for flexible car finance options with quick approvals.

Starling Bank Personal Loan

Starling Bank

Amount £500–£5k
Type personal
Term 3–36 mo

Convenient for small, quick borrowing through the app — but limited to £5k max, which rules it out for bigger needs.

Close Brothers Motor Finance

Amount £4k–£100k
Type car_finance
Term 12–60 mo

Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.

Santander Personal Loan

Santander

Amount £1k–£25k
Type personal
Term 12–60 mo

Decent rates, especially if you already have a 1-2-3 current account. Otherwise nothing remarkable compared to the Big Four.

Moneybarn Car Finance for Poor Credit

Moneybarn

Amount £3k–£25k
Type hire_purchase
Term 24–60 mo

Moneybarn provides a viable option for those with less-than-perfect credit looking for car finance. Their understanding of specialist lending can ease access for many drivers.