UNSECURED LOANS - COMPARE PERSONAL LOANS ONLINE
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An unsecured loan, otherwise known as a personal loan, is a loan which is lent to a borrower without the individual having to put up a significant asset such as a property as collateral against the loan. Thus, despite the name, it is actually a safer loan for the borrower, although it is less easy to obtain and usually paid back over a shorter period than secured loan. Generally personal loans are approved on the basis of the borrower's credit rating.
Looking at the representative APR rate on personal loans is one way of measuring the value for money of unsecured loans although the rate displayed only has to be offered to 51% of customers – so you may not actually get the rate that you see advertised with the loans provider. Be aware that you can get both fixed rate personal loans (where the interest rate doesn't change) and variable rate personal loans which are linked to the bank base rate.
Click to see Bad Credit Loans for people with poor credit rating
Click here to learn more about Unsecured Loans and all other loan types
PROVIDER  | REPRESENTATIVE APR | MINIMUM TERM | MAXIMUM TERM | MINIMUM ADVANCE | MAXIMUM ADVANCE | SECURED HOME LOAN | SUITABLE FOR | APPLY |
Natwest Loan | 8.9% Example Representative ExampleRepresentative: 8.9% APR 24 Monthly payments of: £ 363.87 Loan amount: £ 8,000 Loan term: 2 Years Interest rate: 8.9% p.a (Fixed) Total amount payable: £ 8,732.88 | 36 Months | 60 Months | £7,500.00 | £14,950.00 | No | ViewSuitable ForExisting NatWest current account customer |  |
| The Natwest Fixed Rate Bonds are ideal if you don’t need access to your savings. The Fixed Rate bonds offer you fixed rates of interest, a range of terms (typically for 1,2 and 3 year saving terms) and competitive interest rates – rates for fixed term bonds are generally better than the rates you will find with instant access savings accounts. DETAIL INFORMATION >> | ||||||||
RBS Personal Loan | 9.9% Example Representative ExampleRepresentative 9.9% APR:If successful, the interest rate you will pay is based on your personal circumstances. | 1 Year | 5 Years | £7,500.00 | £14,950.00 | No | ViewSuitable ForA loan for any purpose | |
| RBS can provide you with a range of affordable loan options online. This service is available to existing RBS current account customers only. Apply online and receive an online loan of £7,500 to £14,950. Online applications take just minutes. DETAIL INFORMATION >> | ||||||||
HSBC Personal Loans | 6.4% Example Representative ExampleRepresentative 6.4% APR for loans between £7,000 and £15,000. | 12 Months | 95 Months | £1,000.00 | £25,000.00 | No | ViewSuitable ForExisting HSBC current account customers | |
| HSBC can tailor their personal loans to meet your needs. Apply online and receive a representative APR for loans between £1,000 and £25,000. If your application is agreed online get the money in your account immediately, any time day or night (subject to planned maintenance). Existing HSBC current account customers only. Terms and conditions apply. DETAIL INFORMATION >> | ||||||||
Wentworth Direct Finance Loan | 22% Example Representative ExampleBorrow £3000 and pay £114.57 per month for 36 months. The total charge for credit is £1124.52. The total repayable is £4124.52. | 12 Months | 60 Months | £1,000.00 | £15,000.00 | No | ViewSuitable ForAll borrowers - even with bad credit history, been refused elsewhere, been blacklisted or have CCJs. | |
| Wentworth Direct offer a no-frills service. If you've been refused credit from other lenders, are a problem case, have been blacklisted, or have CCJs or defaults against your name, you are still eligible for a loan. Borrow from £1,000 to £15,000 and fill out the online no-obligation application form. Type in the amount you want to borrow, the length of time you would like to repay the loan, and your current employment details (are you currently working, monthly income after tax etc). DETAIL INFORMATION >> | ||||||||
First Choice Capital Resources | 53.9% Example Representative ExampleAt 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. | 1 month | 24 months | £100.00 | £2,500.00 | No | ViewSuitable ForAll types of borrowers - even those with bad credit history, and CCJs | |
| 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. DETAIL INFORMATION >> | ||||||||
The Finance Facility | 19.6% Example Representative ExampleTotal 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 | 12 Months | 60 Months | £1,000.00 | £15,000.00 | No | ViewSuitable ForAll borrowers - even with bad credit history, been refused elsewhere, been blacklisted or have CCJs. | |
| 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. DETAIL INFORMATION >> | ||||||||
Merlin Money | 53.9% Example Representative ExampleA £3000 loan borrowed over 36 monthly repayments would be approximately £151.20 per month with a fixed APR of 53.9%. The total amount to be repaid would be £5442.86 | 1 Month | 25 Years | £100.00 | £50,000.00 | No | ViewSuitable ForAll types of borrowers | |
| Merlin Money specialise in finding you a loan that is available for your personal circumstances, therefore saving you time and money. Receive access to the ultimate panel of lenders and Merlin Money will come up with the best loan options and rates tailored to meet your requirements and with no obligation. DETAIL INFORMATION >> | ||||||||
MyMoneyLoans.co.uk | 278% Example Representative ExampleBorrow £500 over 12 months at an interest rate of 140%. Total amount repayable is £949.01. Therefor the interest is 449.01 and the Representative APR is 278% | 1 month | 12 months | £0.00 | £2,000.00 | No | ViewSuitable ForBorrowers with good and bad credit. | |
| MyMoneyLoans gives you access to fast and simple unsecured personal loans through our network of lenders. Our application approval rates for all our lenders are higher than high street lenders. With our simple online application, there is no need for paperwork, faxing, or phone calls. These quick cash loans are always up to £2000 and are usually paid over a 12 month period - gradually over time. DETAIL INFORMATION >> | ||||||||
FlexCredit | 278% Example Representative ExampleExample for a loan of £500 repaid over 12 months: Monthly repayment - £70.09; Amount payable - £949.01; Total interest - £449.01; Interest rate -140% | 1 Month | 12 Months | £400.00 | £2,000.00 | No | ViewSuitable ForBorrowers looking for longer term loans unable to use high street lenders. May be available to variable credit histories. | |
| 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. DETAIL INFORMATION >> | ||||||||
Save Simply | 6.9% Example Representative ExampleIf 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 | 12 Months | 25 years | £5,000.00 | £25,000.00 | No | ViewSuitable ForEmployed, retired, self employed or unemployed borrowers | |
| 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. DETAIL INFORMATION >> | ||||||||
NEWS / CHARTS
 Fear Of UK Recession Eases As Service Sector Grows03 February 2012 - Which Way to Pay Niesr Report released today says that recession is inevitable but it's not all doom and gloom Read More >> |  To Payday Loan or Not To Payday Loan – That Is The Question02 February 2012 - Which Way to Pay With millions of Britons expcected to take out payday loans this year why are so many people turning to these high interest loans despite the bad press? Read More >> |  UK House Prices Fall But Manufacturing Rebounds01 February 2012 - Which Way to Pay According to data from Nationwide Building Society, UK house prices unfortunately fell for the second straight month in January but on a positive note the UK’s manufacturing sector enjoyed a better than expected start to 2012. Read More >> |
