Based on 370 reviews
A product by South Manchester Credit Union
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...
Based on 171 reviews
A product by Your Community Bank
Your Community Bank have a range of loans to suit different needs. To apply for a loan with Your Community Bank, you will need to complete a loan application online and...
Based on 7086 reviews
A product by Updraft
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...
Based on 908 reviews
A product by Acorn Community Bank
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...
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 1097 reviews
A product by Boom Community Bank
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...
Based on 127 reviews
A product by East Kilbride Credit Union
East Kilbride Credit Union offer a secure loan to members. A loan is secure when the amount you’re borrowing is equal to or less than your shares 1 balance. A...
Based on 67282 reviews
A product by Zopa
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...
Based on 8057 reviews
A product by Plata
Plata offer personal loans from £2,000 to £25,000 that can be repaid over 12 – 60 months. You can apply for a Plata personal loan on-line and there’s a live chat...
Based on 2134 reviews
A product by Manchester Credit Union
Anyone who lives or works in Manchester, Tameside, Trafford, Rochdale, Stockport or High Peak and Bury can join Manchester Credit Union and apply for a loan. Manchester Credit Union loans are...
Based on 53 reviews
A product by M for Money Credit Union
M for Money Credit Union offer a range of loans. M for Money Credit Union don’t charge for arranging the loan or for credit checking. There’s also no charge for...
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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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