Santander Personal Loan

NatWest Personal Loan

NatWest

• Amount £1k–£50k
• Type personal
• Term 12–60 mo

No-fuss loan with genuinely free early repayment. Competitive middle-of-the-road rates that won't surprise you.

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.

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.

Halifax Personal Loan

Halifax

• Amount £1k–£50k
• Type personal
• Term 12–60 mo

Very similar to Lloyds (same parent group) with equally competitive top-line rates. Reliable choice with no surprises.

Post Office Personal Loan

Post Office

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

With a representative APR of 13.2%, the Post Office Personal Loan is borrowers with good credit looking for quick access to funds. However, those with lower credit scores may find better rates elsewhere.

Monzo Loan

Monzo

• Amount £500–£25k
• Type personal
• Term 3–60 mo

The fastest loan experience in the UK — genuinely instant if you're already a Monzo customer. But rates vary wildly based on your in-app credit score.