Glasgow Credit Union loans can be used for any purpose including home improvements and debt consolidation. With a Glasgow Credit Union loan, you can borrow up to £25,000. Once you’re a...
Based on 2367 reviews
A product by Enterprise Credit Union
What is this award?
The Credit union of the year 2025 award is part of the Consumer credit awards. Measured by consumer feedback that recognise businesses that are doing brilliant things for financial services customers.
This company has won:
- Credit union of the year 2025
- Best credit union (North) 2025
Enterprise Credit Union offer members a variety of loans for different purposes. Enterprise Credit Union loans have no hidden costs and no arrangement fees. Each loan also includes free Loan Protection...
Based on 3016 reviews
A product by Central Credit Union
What is this award?
The Best credit union loan provider 2025 award is part of the Consumer credit awards. Measured by consumer feedback that recognise businesses that are doing brilliant things for financial services customers.
This company has won:
- Best credit union loan provider 2025
Central Credit Union offer a range of personal loans. Some Central Credit Union personal loans allow you to borrow as little as £200. The maximum varies between £3,000 and £15,000. Central...
Based on 565 reviews
A product by HEY Credit Union
What is this award?
The Treating customers fairly champion 2025 award is part of the Consumer credit awards. Measured by consumer feedback that recognise businesses that are doing brilliant things for financial services customers.
This company has won:
- Treating customers fairly champion 2025
HEY Credit Union offer loans for different purposes including home improvements, car purchases and school uniforms. With a HEY Credit Union personal loan, you can borrow up to £20,000, repaid over...
At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.
We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.
It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.
Based on 1249 reviews
A product by Northern Community Bank (formerly Pennine Community Credit Union)
Northern Community Bank, offer loans from £150 to £15,000, with repayments tailored to suit your financial situation. Offering £500 Family Loan and Savings Scheme is an option too. Account holders can borrow...
Zopa is an award-winning personal loan provider. When you apply for a Zopa loan, you’ll see your personalised loan rates in just three minutes so you know exactly what you could...
South Manchester Credit Union offer loans for new and existing members. South Manchester Credit Union loan interest is charged on the reducing balance. New members can take their first loan of...
Acorn Community Bank offer four personal loan types – a Family Loan, an Acorn Personal Loan, a Loyalty Savers Loan and a Payroll Loan. The amount you can borrow varies between...
Boom Community Bank have four personal loans to choose from. The Advantage Loan, the Choice Loan, the Family Loan and the Access Loan enable you to borrow an amount ranging...
An Updraft Credit is a personal loan with the aim of lowering the cost of your existing credit and helping you pay it off faster. The Updraft Credit personal loan can...
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Frequently asked questions
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What is a personal loan?
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A personal loan is when you borrow a certain amount of money from a lender and pay it back over an agreed period of time, usually with interest added.
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How do personal loans work?
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Personal loans are commonly used to fund large purchases, like buying a new car, home improvements or paying for a wedding.
You choose how much you want to borrow and agree to repay it over a set period of time with a fixed or variable rate of interest added.
A loan that uses an asset you own as security, like property, is called a secured loan. An example of a secured loan is a mortgage. If the loan is not backed by something of value, it's called an unsecured loan. Personal loans are always unsecured. -
How to get a personal loan?
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Before you apply for a personal loan, it's worth checking your credit score, as it can affect how much you can borrow and the interest rate you'll be offered. When you're looking for a loan, compare lenders to find one that offers an interest rate and repayment period that suits you. Once you apply, you'll need to pass some affordability checks before your application can be accepted.
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