Compare To Save

Compare Personal Loans

Find the best personal loan rates from top UK lenders. Compare APR, term lengths, and monthly payments — and check your eligibility without affecting your credit score.

100% free · No obligation · No spam

All FinanceDebt ReliefMortgageLoans

Choosing the Right Personal Loan

Personal loans are one of the most flexible financial products available — suitable for everything from home improvements and car purchases to debt consolidation and large unexpected expenses. However, the difference between the best and worst loan deals on the market can be dramatic. APR (Annual Percentage Rate) is the headline figure most lenders advertise, but the rate you're actually offered depends on your individual credit history, income, existing commitments, and the loan amount and term you select. Understanding secured versus unsecured loans, representative APR versus personalised APR, and the true total cost of credit will help you borrow smarter.

Secured vs Unsecured Loans: Unsecured personal loans require no collateral and are the most common type, typically offering amounts from $1,000 to $50,000. Secured loans use your home or another asset as collateral, allowing for larger amounts and sometimes lower rates — but with greater risk if you default.
Understanding APR and Loan Terms: Representative APR must be offered to at least 51% of successful applicants, but your personalised rate may be higher. Shorter loan terms mean higher monthly payments but less total interest paid; longer terms reduce monthly outgoings but increase the overall cost of borrowing.
Eligibility and Credit Scoring: Lenders assess affordability using income, existing debt, employment status, and credit history. Each application leaves a hard search on your credit file, which is why checking your eligibility first with a soft search — as we do — protects your score while you compare.

Soft Search Eligibility

Check which loans you're likely to be approved for without leaving a mark on your credit file. Apply only when you're confident of acceptance.

Real Personalised Rates

We show you the actual rate you're likely to receive based on your profile — not just the representative APR that only 51% of borrowers get.

Clear Total Cost

See the total amount repayable, not just the monthly payment. Compare the full cost of each loan over its entire term before you commit.

How Loan Comparison Works

1

Enter Your Loan Details

Tell us how much you want to borrow, over how many months, and what you intend to use the loan for. This helps us surface the most relevant products for your needs.

2

Soft Eligibility Check

We run a soft credit search — invisible to other lenders — to check which loans from our panel you're most likely to be accepted for. Your credit score is not affected.

3

Compare Matched Loans

See your personalised results ranked by total cost, monthly payment, or APR. Compare each loan's key features including early repayment options and arrangement fees.

4

Apply Directly to Your Lender

Click through to complete your full application with your chosen lender. Most decisions are instant, and funds can be in your account within 24 hours of approval.

Best Personal Loan Rates

★ Featured Provider
CO
Best Value

CommBank Personal Loan

Fast approval personal loans

4.5(14,200)
7.99% p.a./annum
  • Loans from $4,000
  • Approval in minutes
  • Flexible repayments
  • No early repayment fee
★ Featured Provider
FA
Best Value

FastLoan Direct

Personal loans from $1,000 with same-day approval

4.7(18,600)
6.99% p.a./annum
  • Loans $1K–$50K
  • Same-day approval
  • No early repayment fee
  • Fixed monthly repayments
★ Featured Provider
LO
Most Popular

LoanSmart

Competitive personal and car loans online

4.5(12,400)
8.49% p.a./annum
  • Car loan specialist
  • Flexible loan terms
  • Soft credit check first
  • Redraw facility available
QU

QuickCredit

Fast online loans with transparent terms

4.2(7,800)
9.99% p.a./annum
  • 100% online application
  • Instant eligibility check
  • Weekly or monthly repayments
  • Bad credit considered

Why Compare Personal Loans with Us

Loans from $1,000 to $250,000

Whether you need a small personal loan for a holiday or a large secured loan for major home improvements, we compare products across the full borrowing range.

No credit score impact when browsing

Our soft search technology lets you see realistic eligibility and likely rates from multiple lenders simultaneously — all without a single hard search on your credit file.

Compare secured and unsecured

We compare both unsecured personal loans and secured homeowner loans side by side so you can clearly see the trade-offs between rate, risk, and repayment flexibility.

Debt consolidation specialists

If you're looking to consolidate existing debts, we can show you loans specifically designed for this purpose and calculate whether consolidating will genuinely save you money.

Bad credit loan options

We include specialist lenders who cater to applicants with poor or limited credit history. Rates are higher, but borrowing responsibly can help rebuild your credit score over time.

Transparent fee information

We surface all fees — including arrangement fees, payment protection insurance, and early repayment charges — so you can compare the genuine total cost of each loan.

Personal Loan FAQs

Get the best loan rate today

Compare personal loans from top UK lenders and find the right deal for you — free to use, no credit score impact.

+1-855-730-9559