PERSONAL LOANS - COMPARE PERSONAL LOANS ONLINE

Download to Excel

Ever since the financial crisis it has been increasingly difficult for people in the UK to borrow money. If you do not have a good credit rating then the banks are unlikely to lend to you. However, there are a variety of loans available from different lending establishments. Personal loans are more often than not unsecured loans. The amount of money you can vary with a personal loan varies and your credit rating is likely to dictate the level of interest you will need to pay on a personal loan. If you are sure that a personal loan is what you are looking for then it is worth shopping around to try and find the cheapest deal. On Which Way to Pay we compare different personal loans and display points of interest such as APR so that you can work out which loan will best suit your circumstances. When applying for personal loans please read the terms and conditions of the loan companies providing the loan to make sure that you fully understand your financial obligations.

Search Report: Personal Loans  Unsecured Loans  Secured Loans  Wedding Loans

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

PROVIDERSPREAD

TYPE

Lender / Broker

APR

APR

A Representative APR is a financial service concept in which interest rates quoted through advertising media is required to take into account all charges associated with a product, in addition to the interest rate.

LOAN AMOUNT

LOAN AMOUNT

Total amount you can borrow

MIN TERM

MIN TERM

Minimum loan duration

MAX TERM

MAX TERM

Maximum loan duration

FEATURES

FEATURES

List of features of loan

ID REQUIRED

ID REQUIRED

List of ID required to obtain a loan

SUITABLE

SUITABLE

Who the loan is suitable for

RESTRICTIONS

RESTRICTIONS

Restrictions regarding potential borrowers

MORE INFO

The Finance Facility Unsecured Loans
The Finance Facility Unsecured Loans

Broker19.6%
Representative Example

Representative Example

Total Amount of Credit: £5000; Representative APR: 19.6%; Duration of Agreement: 60 months; Total Charge of Credit: £2881.60; Total Amount Payable: £7881.60 Address: The Finance Facility, Netherley Road, Prescot, Merseyside, L35 1RG

£1,000.00 - £15,000.0012 Months60 MonthsFeatures

Features

Credit Check: Yes
Instant Decision: No
Online Application: Yes
Secured Loan: Yes
Unsecured Loan: Yes
Mobile Loan: No
Wedding Loan: No
Debit Card: No
Bank Account: Yes
Repayable: £7881.60
Extention: Not permitted

Identification

Identification

Initially personal and contact details.

Suitable For

Suitable For

All borrowers - even with bad credit history, been refused elsewhere, been blacklisted or have CCJs.

Restrictions

Restrictions

You must reside in the UK

The Finance Facility Unsecured Loans
The Finance Facility can provide you with personal loans of £1000 to £15000 for lots of different purposes to people from all walks of life. They can provide loans for students and people in debt with CCJ’s, Arrears or IVA’s. Apply online if you are employed and aged between 18 to 65 years. Before you apply for an unsecured loan consider your options and please make sure that you read the terms and conditions carefully to ensure that you fully understand your financial obligations and how the loan works. DETAIL INFORMATION >>Terms

Terms

You must be in employment and aged 18 to 65 years


Advantages

Advantages

1. No upfront fees
2. No multiple credit checks
3. Search over 200 lenders for you.


Disadvantages

Disadvantages

1. Fee of £59.95.
2. You can not obtain the fees and charges until you have applied.

Zopa Personal Loans
Zopa Personal Loans

Broker8%
Representative Example

Representative Example

Not available

£1,000.00 - £15,000.00Less than a month5 YearsFeatures

Features

Credit Check: Yes
Instant Decision: No
Online Application: Yes
Secured Loan: Yes
Unsecured Loan: Yes
Mobile Loan: No
Wedding Loan: No
Debit Card: Yes
Bank Account: Yes
Repayable:
Extention:

Identification

Identification

Suitable For

Suitable For

People with a good credit rating.

Restrictions

Restrictions

Zopa Personal Loans
Zopa is a lending and borrowing exchange, where real individual people sidestep the banks and their mark up to get a better deal. Contracts are essentially between individual parties -similar in a way like Betfair for lending. It's where lenders can make a better rate of interest than banks, and borrowers can enjoy a low APR. Please note that you will need a very good credit history to get an unsecured loan. Please make sure that you read the terms and conditions carefully to ensure that you fully understand your financial obligations and how the loan works. DETAIL INFORMATION >>Terms

Terms

Note that Zopa does not lend to anyone with CCJs or unsatisfied defaults. You'll also need a minimum annual income of £12,000 with demonstrable ability to afford the loan, and no recent missed payments on any of your credit lines.


Advantages

Advantages

Zopa allow borrowers to repay their loan early with no penalty or sneaky fees, so it's a really flexible loan
Zopa lenders also offer loans at some of the lowest rates in the market.


Disadvantages

Disadvantages

Have to have a good credit rating to be accepted

Regent Finance Secured Loans
Regent Finance Secured Loans

Broker6%
Representative Example

Representative Example

If you took a loan for £10,000 with a Representative APR of 6.9% fixed and an annual interest rate of 6.9% you would pay £196.56 per month with a total charge for the credit of £1,793.43 making the total amount you repay of £11,793.43

£3,000.00 - £60,000.001 Months25 YearsFeatures

Features

Credit Check: Yes
Instant Decision: No
Online Application: Yes
Secured Loan: Yes
Unsecured Loan: No
Mobile Loan: No
Wedding Loan: No
Debit Card: No
Bank Account: Yes
Repayable: £11,793.43
Extention: Not permitted

Identification

Identification

Initially personal details

Suitable For

Suitable For

Those that need a secure loan

Restrictions

Restrictions

You must be over the age of 18 years old

Regent Finance Secured Loans
Secured Loans are available from Regent Finance from £3,000 depending on your age, employment status and individual circumstances. Apply online and receive a free, no obligation quotation. All applications are accepted. Before you apply for an unsecured loan consider your options and please make sure that you read the terms and conditions carefully to ensure that you fully understand your financial obligations and how the loan works. Secured loans carry a risk and if payments are not made on time you could lose your home. DETAIL INFORMATION >>Terms

Terms

There are significant risks associated with investing, loans and mortgages


Advantages

Advantages

1. Get the Lowest Loan Rates & Exclusive Deals
2. Apply in Minutes
3. Free to Apply, No Obligation
4. All Applications Accepted


Disadvantages

Disadvantages

1. The wesbite does not give much information
2. There are significant risks associated with investing, loans and mortgages

Solution Unsecured Loans
Solution Unsecured Loans

Broker53.8%
Representative Example

Representative Example

Total Amount of Credit: £2,500; Representative APR: 53.8%; Total Charge of Credit: £2035.70; Total Amount Payable: £4535.70

£500.00 - £7,500.0012 Months60 MonthsFeatures

Features

Credit Check: Yes
Instant Decision: No
Online Application: Yes
Secured Loan: Yes
Unsecured Loan: Yes
Mobile Loan: No
Wedding Loan: No
Debit Card: No
Bank Account: Yes
Repayable:
Extention: Not permitted

Identification

Identification

Initially residential and personal details

Suitable For

Suitable For

Restrictions

Restrictions

You must be 18 years or older in order to be eligible for this loan

Solution Unsecured Loans
Apply online and receive an immediate decision on your application with Solution Loans. There are no upfront fees and you can enquire at no cost and at no risk. Even if you have been refused by other lenders Solution Loans has helped a wide range of people to get a loan. Before you apply for an unsecured loan consider your options and please make sure that you read the terms and conditions carefully to ensure that you fully understand your financial obligations and how the loan works. DETAIL INFORMATION >>Terms

Terms

You must be 18 or over in order to be eligible


Advantages

Advantages

1. No Credit Check required
2. Multiple Loan Options
3. No Enquiry Fees
4. Poor Credit Specialists
5. Repay Early with No Penalties
6. Fast Track Cash in 48 Hours
7. Great Follow Up Service


Disadvantages

Disadvantages

1. You cannot be bankrupt or in an IVA

First Choice Capital Resources
First Choice Capital Resources

Broker53%
Representative Example

Representative Example

At 53.9 % APR fixed, £3000 borrowed over 36 months payments would be approx £151.19 per month. The total amount to be repaid would be £5442.84.

£100.00 - £2,500.001 month24 monthsFeatures

Features

Credit Check: No
Instant Decision: No
Online Application: Yes
Secured Loan: Yes
Unsecured Loan: Yes
Mobile Loan: No
Wedding Loan: No
Debit Card: Yes
Bank Account: Yes
Repayable:
Extention: Not permitted

Identification

Identification

Personal and financial information

Suitable For

Suitable For

All types of borrowers - even those with bad credit history, and CCJs

Restrictions

Restrictions

See website for restrictions

First Choice Capital Resources
Apply online for unsecured loans with First Choice Capital Resources and you can borrow up to £2,500. First Choice Capital Resources matches you with the right products and services based on your profile. To apply, simply complete your online profile and you could receive cash even if you have been refused elsewhere. Before you apply for an unsecured loan consider your options and please make sure that you read the terms and conditions carefully to ensure that you fully understand your financial obligations and how the loan works. DETAIL INFORMATION >>Terms

Terms

Some lenders consider the existence of an active credit and/or debit account as part of their decision making process


Advantages

Advantages

1. Unsecured instalment loans with payment terms up to 24 months
2. Auto Loans
3. Help with existing debt problems
4. Mortgage relief
5. Flexible payments


Disadvantages

Disadvantages

1. Some lenders consider the existence of an active credit and/or debit account as part of their decision making process
2. Unsecured Cash Loan installment offer may take up to 2 weeks to process
3. Maximum borrowing is £2,500

12 Month Loans
12 Month Loans

Broker278%
Representative Example

Representative Example

For a loan of £500 for 12 months: Monthly Payment - £79.09, Total Amount Payable - £949.01. Total Interest - £449.01, Interest rate - 140%

£100.00 - £2,500.001 month12 monthsFeatures

Features

Credit Check: No
Instant Decision: Yes
Online Application: No
Secured Loan: Yes
Unsecured Loan: Yes
Mobile Loan: No
Wedding Loan: No
Debit Card: No
Bank Account: Yes
Repayable:
Extention: Not permitted

Identification

Identification

Contact detals (phone and email) for both home and work and your UK bank account information.

Suitable For

Suitable For

Individuals with all credit backgrounds

Restrictions

Restrictions

To qualify for one of our lenders' loans you need to be over 18, with a permanent job, UK resident and have a UK bank account.

12 Month Loans
12 Month Loans help find fast loans to suit the individual needs of different people, including those with a poor credit history and those who have been refused a loan elsewhere. We are supported by many of the UK’s most established payday loan providers. To apply for a loan simply fill out our quick and easy application form and we will do the rest, contacting hundreds of loan providers to find the best deal for you. The process takes seconds, and you will receive an answer almost immediately. If you are accepted for a loan you simply have to agree to the terms and conditions of the lending company and the loan will be transferred to your bank account DETAIL INFORMATION >>Terms

Terms

Up to 12 months


Advantages

Advantages

Instalment or 12 month loans are often considered to offer customers the benefits of a payday loan but over a longer period of time

 
1. 12 Month Loans help find fast loans for individuals with all credit backgrounds
2. We are supported by many of the UK’s most established payday loan providers
3. To apply for a loan simply fill out our quick and easy application form and we will do the rest, contacting hundreds of loan providers to find the best deal for you.
4. The process takes seconds, and you will receive an answer almost immediately.
5. If you are accepted for a loan you simply have to agree to the terms and conditions of the lending company and the loan will be transferred to your bank account
6. Flexible short term repayment plan with terms ranging from 1-12 months


Disadvantages

Disadvantages

1. Maximum borrowing is £2500

FlexCredit
FlexCredit

Lender278%
Representative Example

Representative Example

Example for a loan of £500 repaid over 12 months: Monthly repayment - £70.09; Amount payable - £949.01; Total interest - £449.01; Interest rate -140%

£400.00 - £2,000.001 Month12 MonthsFeatures

Features

Credit Check: Yes
Instant Decision: No
Online Application: Yes
Secured Loan: No
Unsecured Loan: Yes
Mobile Loan: No
Wedding Loan: No
Debit Card: No
Bank Account: Yes
Repayable:
Extention:

Identification

Identification

UK bank account

Suitable For

Suitable For

Borrowers looking for longer term loans unable to use high street lenders. May be available to variable credit histories.

Restrictions

Restrictions

Borrowers must be 18 or over

FlexCredit
Borrow £2000 and repay over 12 months. Apply for long term loans via the fast and easy to use Flex Credit site. Loans of up to £2000 available which can repaid in instalments over a 12 month period. Loans for people a range of credit ratings may be available and Flex Credit provides a range of alternative borrowing options to suit most credit ratings. Before you apply for an unsecured loan consider your options and please make sure that you read the terms and conditions carefully. DETAIL INFORMATION >>Terms

Terms

Borrowers must be 18 or over, in work or self employed with a regular income, a UK resident and have a UK bank account.


Advantages

Advantages

1. Borrow up to £2,000.
2. Repay over 12 months.
3. Fixed, Manageable Fee.


Disadvantages

Disadvantages

1. Minimum term one month
2. Maximum term 12 months
3. Fees and charges apply

Save Simply Unsecured Loans
Save Simply Unsecured Loans

Broker6.9%
Representative Example

Representative Example

If you took a loan for £10,000 with a Representative APR of 6.9% fixed and an annual interest rate of 6.9% you would pay £196.56 per month with a total charge for the credit of £1,793.43 making the total amount you repay of £11,793.43

£5,000.00 - £25,000.0012 Months25 yearsFeatures

Features

Credit Check: No
Instant Decision: No
Online Application: No
Secured Loan: Yes
Unsecured Loan: Yes
Mobile Loan: No
Wedding Loan: No
Debit Card: No
Bank Account: No
Repayable:
Extention: Not permitted

Identification

Identification

Name, address, telephone numbers

Suitable For

Suitable For

Employed, retired, self employed or unemployed borrowers

Restrictions

Restrictions

Save Simply Unsecured Loans
Save Simply approve all unsecured loans applications, no matter what your previous circumstances. If you are employed, retired, self employed or even unemployed you could borrow £500 - £25,000 over a range of time periods. Before you apply for an unsecured loan consider your options and please make sure that you read the terms and conditions carefully to ensure that you fully understand your financial obligations and how the loan works. It is important to make loan repayments on time to avoid fees and charges. DETAIL INFORMATION >>Terms

Terms

You agree to defend, indemnify and hold www.savesimply.co.uk, its parents, subsidiaries, partners, agents, affiliates, licensors, advertisers, successors and assigns and their respective officers, directors, employees and shareholders harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees, arising in any way from, in connection with or as a result of your use or inability to use the Site and or Site Content, any information provided to you by the Site, or any violation of these Terms and Conditions by you.


Advantages

Advantages

All borrowers accepted
Lots of lenders sourced
Wide loan ranges


Disadvantages

Disadvantages

Must apply to find out APR%
APR% may be higher according to your credit past
Credit checks may apply after initial process

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

Related Personal Loans Products

Personal Loans Unsecured Loans Secured Loans Weddings Loans Credit Cards Credit Reference Agencies Payday Loans Bad Credit Loans Logbook Loans Guarantor Loans Consolidation Loans Secured Loans Current Accounts Savings Accounts Home Insurance

Compare Personal Loans

Finding personal loans for your circumstances

Although it has become increasingly difficult to borrow money there are still options available. However, if it is not absolutely necessary to borrow money then you might be wise to avoid debt where you can. If it is absolutely necessary for you to borrow money then a personal loan may be worth looking into. Personal loans are for the most part unsecured loans which means that you don’t have to use an asset such as your home to secure the loan.

What are personal loans

‘Personal loan’ is an umbrella term covering loans from bank loans to other loans which are available to people with bad credit. Personal loans from the banks are probably the most common form of personal loan. However, there are personal loans available for people with bad credit as well. On this site we compare, secured loans, unsecured loans, payday loans, bad credit loans and many more.

There are alternative options to personal loans

If you are looking for credit a personal loan isn’t necessarily your best option. You may be better off looking into an authorised overdraft or it may even be better to get yourself a credit card. Of course these options are only going to be available to you if you have a good credit history. If a personal loan is your only option there are a few things you can do to keep costs down. Some people argue that you are better off borrowing more money as the interest charged for larger sums is often less than on smaller amounts of money.

Keep your costs down if you can

However, realistically the less money you borrow with a personal loan the less you will need to pay back. Work out exactly how much money you need to borrow and keep it to a minimum. Then look around for the best rates on personal loans. Work out what your interest payments will be and how much you will have to pay back each month.

Make sure that you can make loan repayments on time

Make sure you can afford the payments because if you can’t it is not worth borrowing. You will damage your credit rating and potentially face expensive fees and charges if the loan cannot be repaid. It is very important that you read the terms and condition of any loan you are interested in carefully to ensure that you fully understand your financial obligations.

Personal Loans Infomation

Loans Area Personal Loans Information Personal Loans Reviews Unsecured Loans Information Unsecured Loans Reviews Secured Loans Information Secured Loans Reviews Wedding Loans Information Reviews Centre Information Library News and Charts World Financial Charts World Interest Rates World Economic Calendar Latest World Financial Market Movements Financial Resources Could a bridging loan be right for you How to Know What Personal Loan is Right for You?

Personal Loans Gallery

12 Month Loans12 Month Loans Personal LoanAA Non Members Personal LoanAA Non Members Personal Loan Personal LoanABC LOANSABC LOANS Personal LoanAcceptedAccepted Personal LoanAlliance and Leicester Personal LoansAlliance and Leicester Personal Loans Personal LoanASDA Finance Secured LoanASDA Finance Secured Loan Personal LoanBank of ScotlandBank of Scotland Personal LoanBarclays Bank Barclay Loan PlusBarclays Bank Barclay Loan Plus Personal LoanChase Saunders Secured LoanChase Saunders Secured Loan Personal LoanCredit JungleCredit Jungle Personal LoanCUS4 LoansCUS4 Loans Personal LoanCUS4 LoansCUS4 Loans Personal LoanDirect Line Secured LoanDirect Line Secured Loan Personal LoaneDailyFinanceeDailyFinance Personal LoanEuro CreditEuro Credit Personal LoanFirst Choice Capital ResourcesFirst Choice Capital Resources Personal LoanFirst Plus HomeownerFirst Plus Homeowner Personal LoanFlexCreditFlexCredit Personal LoanFLM Unsecured LoansFLM Unsecured Loans Personal LoanHalifaxHalifax Personal LoanHSBC Personal LoansHSBC Personal Loans Personal LoanLoan FinderLoan Finder Personal LoanLoan FinderLoan Finder Personal LoanLoan SolutionsLoan Solutions Personal LoanLoan SolutionsLoan Solutions Personal LoanLoancastLoancast Personal LoanLoans 4 ULoans 4 U Personal LoanLoans PageLoans Page Personal LoanLoanspage.co.ukLoanspage.co.uk Personal LoanLogbook Secured LoanLogbook Secured Loan Personal LoanLomard Direct Secured LoanLomard Direct Secured Loan Personal LoanMerlin Money Personal LoanMerlin Money Personal Loan Personal LoanMoneyback Bank Secured LoanMoneyback Bank Secured Loan Personal LoanMyMoneyLoans.co.ukMyMoneyLoans.co.uk Personal LoanNationwide Personal LoanNationwide Personal Loan Personal LoanNationwide Personal LoanNationwide Personal Loan Personal LoanNatWest Personal Secured LoanNatWest Personal Secured Loan Personal LoanNatwest Unsecured LoanNatwest Unsecured Loan Personal LoanNemo Personal FinanceNemo Personal Finance Personal LoanNorthern Rock Secured LoanNorthern Rock Secured Loan Personal LoanNorton Finace Secured LoanNorton Finace Secured Loan Personal LoanOcean Finance Secured LoanOcean Finance Secured Loan Personal LoanOnlyFinance.comOnlyFinance.com Personal LoanQuote-N-GoQuote-N-Go Personal LoanRBS Personal LoanRBS Personal Loan Personal LoanRegent Finance Secured LoansRegent Finance Secured Loans Personal LoanSainsburys Bank Secured LoanSainsburys Bank Secured Loan Personal LoanSave Simply Unsecured LoansSave Simply Unsecured Loans Personal LoanShakespeare FinanceShakespeare Finance Personal LoanSmile Secured LoanSmile Secured Loan Personal LoanSolution Unsecured LoansSolution Unsecured Loans Personal LoanTesco Finance Secured LoanTesco Finance Secured Loan Personal LoanThe Finance FacilityThe Finance Facility Personal LoanThe Finance Facility Unsecured LoansThe Finance Facility Unsecured Loans Personal LoanV5 Secured LoansV5 Secured Loans Personal LoanWentworth Direct Finance Unsecured LoanWentworth Direct Finance Unsecured Loan Personal LoanZopa Personal LoansZopa Personal Loans Personal Loan

Personal Loan Reviews

Loancast Personal Loan ReviewThe Finance Facility Personal Loan ReviewThe Finance Facility Personal Loan ReviewFirst Choice Capital Resources Personal Loan ReviewWentworth Direct Finance Unsecured Loan Personal Loan ReviewLoan Finder Personal Loan ReviewSave Simply Unsecured Loans Personal Loan ReviewLoans Page Personal Loan ReviewWentworth Direct Finance Bad Credit Loan Personal Loan ReviewNationwide Personal Loan Personal Loan ReviewAA Non Members Personal Loan Personal Loan ReviewZopa Personal Loans Personal Loan ReviewAlliance and Leicester Personal Loans Personal Loan ReviewLoanspage.co.uk Personal Loan ReviewV5 Secured Loans Personal Loan ReviewOnlyFinance.com Personal Loan ReviewFLM Unsecured Loans Personal Loan ReviewShakespeare Finance Personal Loan ReviewChase Saunders Secured Loan Personal Loan ReviewABC LOANS Personal Loan ReviewEuro Credit Personal Loan ReviewLogbook Secured Loan Personal Loan ReviewAccepted Personal Loan ReviewLoans 4 U Personal Loan ReviewNemo Personal Finance Personal Loan ReviewBank of Scotland Personal Loan ReviewHalifax Personal Loan ReviewFirst Plus Homeowner Personal Loan Review

PERSONAL LOANS - LATEST NEWS News and Charts

Cash urgently needed? A payday loan could save your day

26 March 2013
James Larkin

People with a bad credit score usually find it difficult to be accepted for a loan. But what happens if an unexpected financial emergency needs to be fixed

READ ARTICLE

Protect Yourself Against Financial Loss

16 June 2011
Which Way To Pay

Do you ever worry out managing your finances in the event of personal injury, illness or redundancy? What would you do if, due to circumstances beyond your control, you could no longer afford to cover your loan or debt repayments?

READ ARTICLE

Complaints Over PPI Reach Record Highs

14 February 2011
Which Way To Pay

Complaints from customers over the much-debated PPI (payment protection insurance) have reached record highs according to latest figures.

READ ARTICLE

What’s the Deal with APR?

10 February 2011
Which Way To Pay

If you have been on the lookout for a personal loan or credit card via Which Way To Pay, you might have noticed that there is a change in the way that APR is listed. What exactly is going on?

READ ARTICLE

Loans and Credit Cards Could Rise in Cost

18 January 2011
Which Way To Pay

According to experts, loans and credit cards could get more expensive over the next few years. Thanks to higher interest rates, borrowers could end up paying more to pay off...

READ ARTICLE