Compare personal loans from our panel of lenders

It only takes a couple of minutes to compare personal loans with us. As long as you’re over 18 years old and a UK resident you can check your eligibility for a personal loan.

Once you provide us with your personal information, we will check with our panel of lenders who will accept your loan application and who will decline you. This does not impact your credit score.

If accepted, you will see what lenders will accept you, whether they come with a real interest rate or a representative rate, monthly repayment and total amount payable.

Real interest rates - some of our lenders can provide us with a real interest rate when we check your eligibility. These rates are based on a soft search which has no impact on your credit score.

What this means is the interest rate is guaranteed if you choose to apply (subject to final checks by the lender such as fraud).

Guaranteed rates - when you’re offered a real interest rate, this comes with a rate guarantee. This means that if you are accepted for the loan and choose to apply on the lenders website, they cannot increase the rate. This rate jump is common with representative rates as they are not specific to you and your personal circumstances.

Representative rates - A representative rate is very different and you’ll often see it referenced as a representative APR.

When you compare loans that have a representative APR, it’s important to know that these rates are not guaranteed and could change after you apply.

The Financial Conduct Authority (FCA) has very specific rules on how a company calculates their representative APR. They can only advertise an APR as “representative” if 51% of their customers get that rate or lower.

For example, our panel of lenders can offer loans from 2.9% APR to 99% APR but as we are a company that is regulated by the FCA we have to include our own representative APR based on customers who took out a loan via our website. So here’s ours:

Representative Example: Borrowing £3,500 over 36 months with a representative 21.5% APR fixed, the amount payable would be £132.76 per month.

This does not mean if you were accepted for a loan that it would be 21.5% APR as it is not specific to you and your personal circumstances.

When you compare loans with us, we will check with our panel of lenders who will accept your loan application and who will decline you. This does not impact your credit score. This allows our lenders to make a decision.

Meanwhile, a hard search is performed when you apply for a loan. The lender will take a full view of your credit report and runs some final checks such as fraud. This type of search will leave a mark on your credit profile and can affect your credit score.

A personal loan is a fixed amount of money that you borrow over a specific period of time (often referred to as the “loan term”) for example £10,000 loan over 5 years.

Most common reasons that people take out personal loans are; to consolidate debts such as existing loans and credit cards into one monthly payment, buying a car or home improvements.

Whilst many people still go straight to their bank when looking for a personal loan, we always encourage that you use a loan comparison site first to make sure you’re getting the best loan rates available to you and your credit profile.

We can help you compare personal loans online from £1,000 right up to £25,000.