Halifax Personal Loan

Post Office Personal Loan

Post Office

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

Quietly competitive — often overlooked but rates are genuinely fair. Underwritten by Bank of Ireland, so it's solid.

Admiral Personal Loan

Admiral

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

Surprisingly competitive from the insurance giant. The soft-search tool is useful — lets you check your rate without affecting your credit score.

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.

Lloyds Bank Personal Loan

Lloyds Bank

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

Good flexibility with free overpayments and no fees. Competitive rates on mid-range amounts but can get expensive for small loans.

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.

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.