Lloyds Bank Personal Loan

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.

Zopa Personal Loan

Zopa

• Amount £1k–£35k
• Type personal
• Term 12–60 mo

Excellent user experience and transparent eligibility checker. Rates can be very competitive for good credit scores but balloon for weaker profiles.

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.

Everyday Loans for Imperfect Credit

Everyday Loans

• Amount £1k–£15k
• Type personal
• Term 18–60 mo

Everyday Loans offers a viable option for those with less-than-perfect credit seeking personal loans. However, the high APR rates warrant careful consideration.

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.

Asda Money Personal Loans

Asda Money

• Amount £500–£25k
• Type personal
• Term 12–60 mo

Asda Money offers personal loans with competitive rates, but the minimum credit score requirement may limit accessibility for some borrowers.