Use the table below to compare personal loans, unsecured loans and shortterm loans. You can compare the interest rates 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.
Provider  Details 

RateSetter Unsecured Apply Now 

Representative Example: If you borrow £5,000 over 12 months at a Representative rate of 3.9% APR and an annual interest rate of 3.90% (fixed), you would pay 12 monthly instalments of £432.92. The total charge for credit will be £195.00 and the total amount payable will be £5,195.00.
Ikano Bank Unsecured Apply Now 

Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 9.4% APR and an annual interest rate of 9% (fixed), you would pay 36 monthly installments of £127.23. The total charge for credit will be £580.28 and the total amount payable will be £4,580.28.
Marks & Spencer Loans Unsecured Apply Now 

Representative Example: If you borrow £4,000 over 36 months at a representative rate of 12.6% APR and an annual interest rate of 12.6% (fixed), you would pay 36 monthly instalments of £134.01. The total charge for credit will be £771.44 and the total amount payable will be £4,771.54.
Guarantor My Loan (Homeowners only) Guarantor Apply Now 

Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 29.0% APR and an annual interest rate of 10.00% (fixed), you would pay 36 monthly instalments of £120.46. The total charge for credit will be £1,336.56 and the total amount payable will be £4,336.56.
UK Credit Guarantor Apply Now 

Representative Example: If you borrow £4,000 over 48 months at a Representative rate of 39.9% APR and an annual interest rate of 34.05% (fixed), you would pay 48 monthly instalments of £178.09. The total charge for credit will be £4,547.36 and the total amount payable will be £8,547.36.
1 Plus 1 Loans Guarantor Apply Now 

Representative Example: If you borrow £500 over 12 months at a Representative rate of 47.8% APR and an annual interest rate of 39.70% (fixed), you would pay 12 monthly instalments of £51.38. The total charge for credit will be £116.56 and the total amount payable will be £616.56.
Guarantor My Loan Guarantor Apply Now 

Representative Example: If you borrow £3,000.00 over 36 months at a Representative rate of 48.9% APR and an annual interest rate of 10% (fixed) and annual service fee of 30.48% (fixed) , you would pay 36 monthly instalments of £145.17. The total charge for credit will be £2,226.12 and the total amount payable will be £5,226.12.
Amigo Loans Guarantor Apply Now 

Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.5% APR and an annual interest rate of 49.50% (variable), you would pay 36 monthly instalments of £194.52. The total charge for credit will be £3,002.72 and the total amount payable will be £7,002.72.
TrustTwo Guarantor Apply Now 

Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.5% APR and an annual interest rate of 40.90% (fixed), you would pay 36 monthly instalments of £194.55. The total charge for credit will be £3,003.80 and the total amount payable will be £7,003.80.
George Banco Guarantor Apply Now 

Representative Example: If you borrow £3,500 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 41.10% (fixed), you would pay 36 monthly instalments of £187.51. The total charge for credit will be £3,250.36 and the total amount payable will be £6,750.36.
Buddy Loans Guarantor Apply Now 

Representative Example: If you borrow £3,250 over 36 months at a Representative rate of 49.9% APR and an annual interest rate of 41.16% (fixed), you would pay 36 monthly instalments of £158.57. The total charge for credit will be £2,464.57 and the total amount payable will be £5,714.57.
UK Credit Guarantor Apply Now 

Representative Example: If you borrow £4,000 over 48 months at a Representative rate of 67.9% APR and an annual interest rate of 52.95% (fixed), you would pay 48 monthly instalments of £178.07. The total charge for credit will be £4,547.36 and the total amount payable will be £8,547.36.
Everyday Loans Unsecured Apply Now 

Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.5% APR and an annual interest rate of 40.9% (fixed), you would pay 36 monthly installments of £194.55 The total charge for credit will be £3,003.80 and the total amount payable will be £7,003.80
Mobile Money Logbook Apply Now 

Representative Example: If you borrow £1,200 over 18 months at a Representative rate of 189.9% APR and an annual interest rate of 111.30% (fixed), you would pay 18 monthly instalments of £139.58. The total charge for credit will be £1,312.44 and the total amount payable will be £2,512.44.
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 longterm, 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 interest rates are relatively low. But if the amount you borrow is small or very high, or you fail to meet expected monthly repayments, the interest rates 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.
When personal loans are advertised using a representative APR, this means 51% of successful applicants will be given the stated interest rate. 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).