With OakbrookAdvance, you can borrow between £1,000 and £5,000. OakbrookAdvance loans can be used for all needs including home improvements, debt consolidation, weddings and car loans. You can check your eligibility...
Plend partners with lending marketplaces to provide you with a personalised loan decision. Plend aim to get you a decision on your loan application within 24 hours. Plend use advanced security...
Bamboo offer personal loans from £2,000 to £15,000 over 12 to 60 months. Bamboo don’t charge fees and there’s no impact on your credit score if you’re not approved. Existing Bamboo...
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.
Moneyboat offer flexible short-term loans. You can borrow up to £1500 and spread payments over two to six months. As a direct lender, Moneyboat consider all applications, looking at multiple factors...
Cambrian Credit Union offer loans from £200 to £15,000. There’s a range to choose from including Starter Loans and Debt Consolidation, with no hidden fees. If you work for one of...
To apply for a London Capital Credit Union loan, you must first join as a member. You have to pay your first deposit of £20 minimum to your London Capital Credit...
Kroo offer personal loans for amounts up to £25,000. Applications for a Kroo loan are by invitation only for current account holders. You won’t be charged extra for paying more or...
You can borrow between £50 and £10,000 with a Clockwise Credit Union personal loan. Repay weekly, fortnightly or monthly with no fees if you choose to repay the full loan early....
Monzo personal loans are available for up to £25,000. In the Monzo app, your loan sits alongside your pots, so you can see the progress you're making. You can also give...
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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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