Based on 581 reviews
A product by Moneyboat.co.uk
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...
Based on 663 reviews
A product by Penny Post Credit Union
Penny Post Credit Union offers a range of loans to members. All members can apply for the Personal Loan and there’s also a Homeowner Loan, but members can only have one...
Based on 114 reviews
A product by Monzo
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...
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 2926 reviews
A product by Clockwise Credit Union
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....
Based on 331 reviews
A product by Lendable
Lendable offer loans from £1,000 to £25,000. Loans can be repaid over a term of 12 to 60 months but you can pay it off early with no fees to pay....
Based on 74 reviews
A product by M for Money Credit Union
With M for Money Credit Union, parents can apply for a child benefit loan if payments are made into your credit union account. The amount that can be borrowed for an...
Based on 531 reviews
A product by Bradford District Credit Union
Bradford District Credit Union offer a range of different personal loans. You can borrow between £200 and £25,000 and there are no early repayment charges. Bradford District Credit Union personal loan reviews...
Based on 1128 reviews
A product by Great Western Credit Union
Great Western Credit Union offer three different loans – an Advantage Loan, a Consolidation Loan or a Personal Loan. You can borrow between £100 and £15,000 and there are no hidden...
Based on 83 reviews
A product by London Capital Credit Union
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...
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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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