- APR
- 24.9–69.9%
- Amount
- £1k–£5k
- Term
- 12–60mo
Ocean Finance offers a range of personal loans with flexible terms, but high APR rates may deter some borrowers.
Expert Analysis
Compare personal loans
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
No credit score impact
Updated daily
Expert reviewed
Recently added
- APR
- 4.9–14.9%
- Amount
- £1k–£25k
- Term
- 12–120mo
Strong option for home improvements with competitive rates and longer terms up to 10 years. Well-established in the UK retail finance space.
- APR
- 99.9–1333.0%
- Amount
- £50–£1.5k
- Term
- 3–6mo
Lending Stream provides quick access to cash, appealing to those with lower credit scores, but the exorbitant APRs, up to 1271%, make it a costly option for borrowing.
- APR
- 8.9–47.0%
- Amount
- £1k–£50k
- Term
- 12–60mo
CarFinance 247 provides quick access to a wide range of auto loans, but high APRs may deter some borrowers.
- APR
- 18.0–49.9%
- Amount
- £1k–£500k
- Term
- 1–24mo
iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.
- APR
- 6.9–19.9%
- Amount
- £500–£25k
- Term
- 12–60mo
Asda Money offers personal loans with competitive rates, but the minimum credit score requirement may limit accessibility for some borrowers.
- APR
- 4.9–19.9%
- Amount
- £4k–£100k
- Term
- 12–60mo
Black Horse Car Finance offers a wide range of loan options, making it a strong contender for those looking to finance a vehicle.
- APR
- 6.9–29.9%
- Amount
- £10k–£500k
- Term
- 72–72mo
Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.
- APR
- 7.9–45.9%
- Amount
- £1k–£25k
- Term
- 12–60mo
Surprisingly competitive from the insurance giant. The soft-search tool is useful — lets you check your rate without affecting your credit score.
- APR
- 5.9–24.9%
- Amount
- £4k–£75k
- Term
- 12–60mo
MotoNovo Finance is a solid choice for those looking for flexible car finance options with quick approvals.
- APR
- 9.9%
- Amount
- £2k–£150k
- Term
- 1–36mo
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.
- APR
- 39.9–299.8%
- Amount
- £1k–£15k
- Term
- 18–60mo
Everyday Loans offers a viable option for those with less-than-perfect credit seeking personal loans. However, the high APR rates warrant careful consideration.
- APR
- 12.9–69.9%
- Amount
- £3k–£25k
- Term
- 24–60mo
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.
- APR
- 6.1–21.9%
- Amount
- £1k–£50k
- Term
- 12–60mo
Solid all-rounder from a trusted high-street bank. Best rates reserved for existing customers with strong credit.
- APR
- 8.9–49.9%
- Amount
- £1k–£75k
- Term
- 24–60mo
Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.
- APR
- 5.9–34.9%
- Amount
- £1k–£35k
- Term
- 12–60mo
Excellent user experience and transparent eligibility checker. Rates can be very competitive for good credit scores but balloon for weaker profiles.
- APR
- 5.9–24.9%
- Amount
- £4k–£100k
- Term
- 12–60mo
Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.
- APR
- 8.1–48.9%
- Amount
- £1k–£25k
- Term
- 12–60mo
Lendable offers a flexible personal loan option with competitive rates but potential drawbacks in interest rates for lower credit tiers.
- APR
- 7.9–29.9%
- Amount
- £3k–£50k
- Term
- 24–60mo
Oodle Car Finance offers a straightforward approach to car finance, particularly for those with a decent credit history.
- APR
- 5.5–19.9%
- Amount
- £1k–£25k
- Term
- 12–60mo
A trustworthy building society with fair rates. You need to be a member, but opening an account is easy.