Real rates from banks and fintechs. Compared side by side, no affiliate bias.
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APR
—
Best for: Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.
APR
6.39%
to 8.37%
Best for: Homeowners with significant equity seeking flexible financing options without remortgaging.
UK homeowner
Available home equity
APR
3.9%
to 21.9%
Best for: Individuals with a good credit score who are current HSBC account holders seeking a personal loan.
UK resident
18+
APR
18.0%
to 49.9%
Best for: These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.
UK-based business
Limited company or LLP
APR
99.9%
to 1333.0%
Best for: Individuals with low to moderate credit scores needing small amounts of cash for emergencies.
18+
UK resident
APR
12.9%
to 69.9%
Best for: Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.
UK resident
Age 18+
APR
3.9%
to 29.9%
Best for: Borrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.
APR
—
Best for: People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.
APR
—
Best for: Landlords wanting BTL mortgage security from a major building society rather than a smaller specialist
APR
39.9%
to 299.8%
Best for: This service is best for individuals who need face-to-face support and have credit challenges, allowing them to borrow between £1,000 and £15,000.
18+
UK resident
APR
6.9%
to 29.9%
Best for: It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
UK-based business
Limited company or LLP
APR
5.9%
to 24.9%
Best for: This is ideal for UK residents aged 18 and above who are looking for flexible car financing options and can meet the credit requirements.
UK resident
Aged 18+
APR
3.3%
to 21.9%
Best for: HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.
APR
—
Best for: Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.
APR
9.69%
to 13.1%
Best for: Homeowners with varying credit histories who need funds for debt consolidation or home improvements.
UK homeowner
Employed, self-employed, pension or benefit income considered
APR
8.9%
to 24.9%
Best for: Existing Starling current account holders with good credit looking for quick access to small loans.
Starling current account
18+
APR
4.9%
to 19.9%
Best for: It's ideal for UK residents seeking flexible car finance options with quick dealership approvals.
UK resident
Aged 18+
APR
3.9%
to 29.9%
Best for: Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.
APR
—
Best for: Landlords who don't fit mainstream criteria and need a flexible challenger bank approach
APR
5.3%
to 21.9%
Best for: Individuals with good credit scores and existing Santander 1-2-3 accounts looking for flexible repayment options.
UK resident
18+
