Your guide to smarter lending

Transparent rates, unbiased analysis, no hidden agenda.

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5.1% APR Up to £25k 60 months Personal Virgin Money

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.

7.9% APR Up to £50k 60 months car_finance Oodle Car Finance

Oodle Car Finance offers a straightforward approach to car finance, particularly for those with a decent credit history.

6.9% APR Up to £25k 60 months personal Asda Money

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

9.9% APR Up to £150k 36 months Business Loan Tide

Tide Business Loans provide quick approval times, making them for urgent funding needs. However, the minimum APR of 9.9% can be steep for long-term borrowing.

5.9% APR Up to £75k 60 months car_finance MotoNovo Finance

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

18% APR Up to £500k 24 months Business iwoca

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

8.9% APR Up to £50k 60 months auto CarFinance 247

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

8.1% APR Up to £25k 60 months personal Lendable

Lendable offers a flexible personal loan option with competitive rates but potential drawbacks in interest rates for lower credit tiers.

4.9% APR Up to £100k 60 months car_finance Black Horse

Black Horse Car Finance offers a wide range of loan options, making it a strong contender for those looking to finance a vehicle.

5.9% APR Up to £35k 60 months personal Zopa

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

12.9% APR Up to £25k 60 months hire_purchase Moneybarn

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.

7.9% APR Up to £25k 60 months personal Admiral

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

8.9% APR Up to £75k 60 months car_finance Zuto

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

6% APR Up to £35k 84 months Personal Tesco Bank

Tesco Bank Personal Loans offer competitive rates for Clubcard members, making them a viable option for those seeking personal loans in the UK.

5.9% APR Up to £100k 60 months car_finance Close Brothers Motor Finance

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

5.1% APR Up to £25k 60 months personal Monzo

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.