Compare Personal Loans
Use the table below to compare personal loans, unsecured loans and short-term loans. You can compare the Representative APRs on personal loans between £100 and £25,000 and repayment terms between 1 month and 5 years. We’ve teamed up with Choose Wisely to provide this comparison service. When you find a deal you are interested in click on “Apply Now” to go to the lenders’ website and apply for the loan. The table below is ordered by the total amount payable to help you compare loans on a like for like basis. In respect of consumer credit, TheMoneyDaily.com acts as a credit broker – not a lender.
Popular Current Accounts
Warning: Late repayment can cause you serious financial problems. For help, go to moneyadviceservice.org.uk
Guarantor My Loan (Homeowners Only)
| Provider | Total Amount Repayable | Monthly Payment | Representative APR | Action |
|---|---|---|---|---|
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£5,159.28 | £214.97 | 29% | See Deal |
Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 29.0% APR and an annual Representative APR of 17.00% (fixed), you would pay 36 monthly instalments of £160.61. The total charge for credit will be £1,781.96 and the total amount payable will be £5,781.96.
UK Credit
| Provider | Total Amount Repayable | Monthly Payment | Representative APR | Action |
|---|---|---|---|---|
 |
£5,569.68 | £232.07 | 39.9% | See Deal |
Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 39.9% APR and an annual Representative APR of 34.05% (fixed), you would pay 36 monthly instalments of £178.80. The total charge for credit will be £2,436.80 and the total amount payable will be £6,436.80.
1 Plus 1 Loans
| Provider | Total Amount Repayable | Monthly Payment | Representative APR | Action |
|---|---|---|---|---|
 |
£5,859.12 | £244.13 | 47.8% | See Deal |
Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 47.8% APR and an annual Representative APR of 39.70% (fixed), you would pay 36 monthly instalments of £143.84. The total charge for credit will be £2,178.24 and the total amount payable will be £5,178.24.
Guarantor My Loan
| Provider | Total Amount Repayable | Monthly Payment | Representative APR | Action |
|---|---|---|---|---|
 |
£5,898.96 | £245.79 | 48.9% | See Deal |
Representative Example: If you borrow £4,000.00 over 36 months at a Representative rate of 48.9% APR and an annual Representative APR of 17% (fixed), you would pay 36 monthly installments of £193.56. Service fee is 23.48% per annum fixed. The total charge for credit would be £1,246.63, and service fee £1,721.53. Total repayable would be £6,968.16.
Amigo Loans
| Provider | Total Amount Repayable | Monthly Payment | Representative APR | Action |
|---|---|---|---|---|
 |
£5,934.96 | £247.29 | 49.9% | See Deal |
Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.9% APR and an annual Representative APR of 49.90% (variable), you would pay 36 monthly instalments of £195.16. The total charge for credit will be £3,025.76 and the total amount payable will be £7,025.76.
Buddy Loans
| Provider | Total Amount Repayable | Monthly Payment | Representative APR | Action |
|---|---|---|---|---|
 |
£5,934.96 | £247.29 | 49.9% | See Deal |
Representative Example: If you borrow £3,250 over 36 months at a Representative rate of 49.9% and an annual Representative APR of 41.16% (fixed), you would pay 36 instalments of £158.57. The total cost of credit will be £2,464.67 and the total amount payable will be £5,714.67.
Everyday Loans
| Provider | Total Amount Repayable | Monthly Payment | Representative APR | Action |
|---|---|---|---|---|
 |
£7,608.24 | £317.01 | 99.9% | See Deal |
Representative Example: If you borrow £3,000 over 24 months at a Representative rate of 99.9% APR and an annual Representative APR of 71.3% (fixed), you would repay 24 monthly payments of £238 per month. The total charge for credit will be £2,706 and the total amount payable would be £5,706.
Mobile Money
| Provider | Total Amount Repayable | Monthly Payment | Representative APR | Action |
|---|---|---|---|---|
 |
£15,162.96 | £631.79 | 450.5% | See Deal |
Representative Example: If you borrow £850 over 18 months at a Representative rate of 450.5% APR and an annual Representative APR of 132.00% (fixed), you would pay 18 monthly instalments of £140.72. The total charge for credit will be £1,683.00 and the total amount payable will be £2,533.00.
| Provider | Details |
|---|---|
|
Guarantor My Loan (Homeowners Only) See Deal |
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Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 29.0% APR and an annual Representative APR of 17.00% (fixed), you would pay 36 monthly instalments of £160.61. The total charge for credit will be £1,781.96 and the total amount payable will be £5,781.96.
| Provider | Details |
|---|---|
|
UK Credit See Deal |
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Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 39.9% APR and an annual Representative APR of 34.05% (fixed), you would pay 36 monthly instalments of £178.80. The total charge for credit will be £2,436.80 and the total amount payable will be £6,436.80.
| Provider | Details |
|---|---|
|
1 Plus 1 Loans See Deal |
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Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 47.8% APR and an annual Representative APR of 39.70% (fixed), you would pay 36 monthly instalments of £143.84. The total charge for credit will be £2,178.24 and the total amount payable will be £5,178.24.
| Provider | Details |
|---|---|
|
Guarantor My Loan See Deal |
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Representative Example: If you borrow £4,000.00 over 36 months at a Representative rate of 48.9% APR and an annual Representative APR of 17% (fixed), you would pay 36 monthly installments of £193.56. Service fee is 23.48% per annum fixed. The total charge for credit would be £1,246.63, and service fee £1,721.53. Total repayable would be £6,968.16.
| Provider | Details |
|---|---|
|
Amigo Loans See Deal |
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Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.9% APR and an annual Representative APR of 49.90% (variable), you would pay 36 monthly instalments of £195.16. The total charge for credit will be £3,025.76 and the total amount payable will be £7,025.76.
| Provider | Details |
|---|---|
|
Buddy Loans See Deal |
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Representative Example: If you borrow £3,250 over 36 months at a Representative rate of 49.9% and an annual Representative APR of 41.16% (fixed), you would pay 36 instalments of £158.57. The total cost of credit will be £2,464.67 and the total amount payable will be £5,714.67.
| Provider | Details |
|---|---|
|
Everyday Loans See Deal |
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Representative Example: If you borrow £3,000 over 24 months at a Representative rate of 99.9% APR and an annual Representative APR of 71.3% (fixed), you would repay 24 monthly payments of £238 per month. The total charge for credit will be £2,706 and the total amount payable would be £5,706.
| Provider | Details |
|---|---|
|
Mobile Money See Deal |
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Representative Example: If you borrow £850 over 18 months at a Representative rate of 450.5% APR and an annual Representative APR of 132.00% (fixed), you would pay 18 monthly instalments of £140.72. The total charge for credit will be £1,683.00 and the total amount payable will be £2,533.00.
Frequently Asked Questons
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Secured vs. Unsecured Loans: Which One Is Right For You?
If you’re looking for large amounts of credit and are not in a rush to pay it back fast, secured loans are a viable option. When it comes to repayments, they also tend to offer a larger time window than unsecured loans – meaning that there’s no rush to pay off your debt. Fixed monthly payments with this option make it easier to budget each month over the long-term, and that fact that your property acts as equity means that you can get a secured loan even with a poor credit history. However, if you do fail to keep up with repayments in a secured loan, it could lead to the loss of your home. In contrast, unsecured loans are an ideal option if you’re looking to get hold of a smaller amount of money fast. If you agree to pay the credit off over the optimal time frame (usually between three to five years for this type of loan), the Representative APRs are relatively low. But if the amount you borrow is small or very high, or you fail to meet expected monthly repayments, the Representative APRs can be extortionate. The best deals within personal loans are reserved for those with a high credit score – and this particular type of loan may not be offered to you at all if you have a track record of poor credit.
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What Does Representative Rate Mean?
When personal loans are advertised using a representative APR, this means 51% of successful applicants will be given the stated Representative APR. If a loan is advertised as being 4% representative APR, this means 51% of accepted applicants have to get 4% as their rate. The other 49% could get a different rate (which tends to be higher and depends on eligibility – some people are rejected completely due to a poor credit history).