Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a personal loan provider before committing to any financial products.

Table notes: table last updated 6 February The table shows the monthly repayment and total cost of a £5, loan taken out over three years. The table shows the best deals for personal loans of £10, paid back over five years.

The table shows the monthly repayment and total cost of a £10, loan taken out over five years. The table below shows the best deals for personal loans of £15,, paid back over five years.

The table shows the monthly repayment and total cost of a £15, loan taken out over five years. The table below shows the best deals for personal loans of £25,, paid back over five years.

The table shows the monthly repayment and total cost of a £25, loan taken out over five years. All the loan providers listed by Which? are signed up to the Lending Code, which sets the minimum standards for the way banks, building societies and other providers should treat their customers.

These loans are widely available across the UK, and consumers do not need to own any other financial products from an institution to qualify for them. All of the loan providers featured in our tables use risk-based pricing to determine what interest rates their customers get.

This means you might not end up with the same rate as the one you saw advertised, as the rate you get is based on your personal circumstances and credit history. All of the loans included in our best tables include an early repayment charge.

This is a charge applied if you repay your loan before the end of the term. Here's what to check before committing to a loan. An eligibility check will show how likely you are to get a loan, without leaving a mark on your report, and in some cases, it can tell you what size of loan you are likely to receive.

You should aim to borrow over the shortest amount of time to reduce the interest you pay. For example, borrowing £10, over five years at a rate of 5.

If you borrow the same amount over seven years, it would cost £2, in interest. Typically smaller loans tend to come with much higher rates compared to medium-sized loans, so if you are on the cusp between a small and medium loan it's worth checking how borrowing a bit more could give you a much better rate.

Before committing to a loan check what early repayment charges it comes with. These deals allow you to spend up to a certain credit limit interest-free for a set time. Currently, the best deals offer almost two years of interest-free spending. Just be aware that your credit limit will depend on your personal circumstances, and you may not find out what you will get until you apply.

These cards are only useful if you need to pay for services by card. Alternatively, if you only need to borrow a small amount, you could check if you can get a fee-free overdraft.

First Direct, a Which? Recommended Provider WRP , offers £, the largest fee-free buffer on a current account, however, if you exceed this buffer it charges Cumberland Building Society offers the cheapest overdraft rate at Find the cheapest deals on £5,, £10,, £15, and £25, unsecured personal loans.

Compare a range of loans from personal loans to debt consolidation loans. It is important to shop around to get the best deal, and that is where Uswitch can help.

If you're looking for the cheapest personal loan then our comparison will show you the lenders with the lowest rates that suit your needs.

When you're looking for a personal loan in the UK you need to consider a number of things:. All these factors will affect the amount of monthly interest rate you will pay on your loan. When you use the Uswitch personal loans comparison tool you simply put in how much you want to borrow, and over what term.

The search results will show you the best loans available based on your specific needs. Then there's a button next to each loan that enables you to click through and apply for it.

After you click through to the destination page you will also be able to see more information about the loan and the repayment terms.

How much you can borrow depends on your income and credit history. You need to make sure you can afford the repayments or you could end up in debt.

Most people use personal loans to borrow smaller amounts, but many lenders offer up to £25, Several lenders offer more, such as £35, or even £50, Some loan providers will offer even more than that, particularly to existing customers. One strange quirk of personal loans is that for loans under £15,, the more you borrow, the cheaper your interest rate will be as the lender is guaranteed more in interest repayments.

This is an interest rate that includes fees and charges. In means you can compare the real rate of interest that you would pay over the course of a year. Many companies advertise a headline APR, which is the best rate they have available.

Of course, this means some people are offered worse deals while others may be offered cheaper loans. When you get the search results for Uswitch personal loans UK you will be shown this representative or headline APR.

This is not necessarily the rate that you will pay. The final rate you pay will be decided once you have made a personal application and it has been approved.

The representative APR figure is just a guide. So, whilst APR is the best way to compare different loans, finding out which personal APR you will be offered is trickier. When you apply you may be offered a higher, or lower, rate based on your credit history. You have no way of knowing this until you apply for the loan, which will leave a footprint on your credit file.

Too many footprints and you may be turned down for loans in the future. So, it's best to be sure that you want to go ahead with the loan and that you meet the eligibility criteria before you make a formal application.

Try not to make lots of applications within a short period of time, as this may affect your credit rating. Most loans are fixed term, which means you pay them back for a set amount of time. In this case, if you borrow £1,, you will know from the outset exactly how much per month you will be repaying and what your total interest payments are.

However, you can usually get variable rate loans where the interest rate rises and falls. Variable rate loans are typically pegged to a financial indicator, such as the Bank of England base rate.

This means your monthly payments can change. To counteract you paying back the loan early, some providers may charge you early repayment penalties. Not all lenders charge this, so read the fine print. If you miss payments, you may also have to pay fees. You should also know the difference between secured and unsecured loans.

Secured loans are when you put up an asset as collateral, most often your property. If you can't pay back the loan your home may be repossessed. Unsecured loans are not linked to an asset and while the interest rate may be higher, your home is not at risk if you default on your repayments. You can get a personal loan in the UK from high street banks and building societies, supermarkets, shops and post offices, and online banks.

With online banking you benefit from the fact that the lenders have lower overheads, so they usually charge less for personal loans. The best way to compare all these providers is to use the Uswitch loans comparison tool to see which lender is offering the best deal, as offers change frequently.

Let us take the hard work out of finding the right UK personal loan for you. Our personal loans comparison service is completely impartial - we show you the most accurate listings of loan products that are available now. Interest-free credit cards are a great way borrow small- to medium- amounts of money for a relatively short time.

A mortgage is usually the most sensible and common way to buy a house, borrowing a large amount for a longer term.

Personal loans are usually available between £1, and £35,, and the money is borrowed over the medium term. They enable you to borrow a fixed amount of money and repay it in regular monthly instalments over a period of time. They can be a helpful way to pay for home improvements, for example, because you might be able to borrow a larger amount than you might be able to on a credit card.

This guide details the cheapest personal loans, but also addresses whether other finance options, such as credit cards, might be cheaper for you Compare loans from leading providers to find the best loan for your needs at low interest rates. Find loans you're eligible for Learn what a personal loan is, how to get approved or what you should consider when comparing personal loans

Personal loan options - A personal loan is one way you can borrow money. Compare personal loans to find the best loan for your individual needs This guide details the cheapest personal loans, but also addresses whether other finance options, such as credit cards, might be cheaper for you Compare loans from leading providers to find the best loan for your needs at low interest rates. Find loans you're eligible for Learn what a personal loan is, how to get approved or what you should consider when comparing personal loans

The table shows the monthly repayment and total cost of a £10, loan taken out over five years. The table below shows the best deals for personal loans of £15,, paid back over five years.

The table shows the monthly repayment and total cost of a £15, loan taken out over five years. The table below shows the best deals for personal loans of £25,, paid back over five years. The table shows the monthly repayment and total cost of a £25, loan taken out over five years.

All the loan providers listed by Which? are signed up to the Lending Code, which sets the minimum standards for the way banks, building societies and other providers should treat their customers.

These loans are widely available across the UK, and consumers do not need to own any other financial products from an institution to qualify for them.

All of the loan providers featured in our tables use risk-based pricing to determine what interest rates their customers get. This means you might not end up with the same rate as the one you saw advertised, as the rate you get is based on your personal circumstances and credit history.

All of the loans included in our best tables include an early repayment charge. This is a charge applied if you repay your loan before the end of the term.

Here's what to check before committing to a loan. An eligibility check will show how likely you are to get a loan, without leaving a mark on your report, and in some cases, it can tell you what size of loan you are likely to receive.

You should aim to borrow over the shortest amount of time to reduce the interest you pay. For example, borrowing £10, over five years at a rate of 5. If you borrow the same amount over seven years, it would cost £2, in interest. Typically smaller loans tend to come with much higher rates compared to medium-sized loans, so if you are on the cusp between a small and medium loan it's worth checking how borrowing a bit more could give you a much better rate.

Before committing to a loan check what early repayment charges it comes with. These deals allow you to spend up to a certain credit limit interest-free for a set time.

Currently, the best deals offer almost two years of interest-free spending. Just be aware that your credit limit will depend on your personal circumstances, and you may not find out what you will get until you apply. These cards are only useful if you need to pay for services by card.

Alternatively, if you only need to borrow a small amount, you could check if you can get a fee-free overdraft. First Direct, a Which? Recommended Provider WRP , offers £, the largest fee-free buffer on a current account, however, if you exceed this buffer it charges Cumberland Building Society offers the cheapest overdraft rate at Find the cheapest deals on £5,, £10,, £15, and £25, unsecured personal loans.

Grace Witherden Senior writer. Sam Wilson Market analyst. In this article Best £5, loans over three years Best £10, loans over five years Best £15, loans over five years £25, loans over five years How we choose the best rate personal loans 5 tips for borrowing with a personal loan.

Be more money savvy free newsletter Get a firmer grip on your finances with the expert tips in our Money newsletter — it's free weekly. First name required. With a loan, you get all your loan money in your bank account at once. You then pay it back each month, plus interest.

You can take from one to 10 years to pay us back — depending on what you need the loan for. Defaqto gives us the maximum five stars. And could get money in your account the same day.

Are you an existing customer who needs a little more help? Just let us know once, so we can update our systems and offer you the support you need. You can tell us online, call us, or visit a branch. To share your details with us, go to Banking My Way. We want you to be sure this loan is right for you.

So before you carry on, please take a look at our lending commitments. They explain what you can expect from us and what we ask of you.

Our Lending Commitments PDF, KB. It's important for you to understand how we use and share your info. Before you continue with your application, please read how we use your data.

To speed up your application for a loan, we need to do a few final checks with you. They'll only take a minute. Just a heads up - you'll be asked to log into the NatWest mobile app to start your loan application.

The main applicant the person about to start the application should have both of your addresses, incomes and outgoings to hand. Log in and apply. Head to ' Register for Online Banking '. Enter your personal details. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.

We'll then send you an activation code. We'll send you your activation code in a text message. On the login page, type in your customer number and activation code.

Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers. Done, finished, complete. Now you can manage your finances anywhere you can get online.

Jump to Accessibility Jump to Content. Personal Bank Loans. Apply in a flash now for a 5 star rated loan. Representative 6. This rate is available on loans between £7, and £14, Other loan amounts are available at alternative rates.

Your rate depends on your personal circumstances, loan amount and term and may differ from this Representative APR. Take me to Why get a loan from us? Open in new window. Try our loan calculator Open in new window.

Get a free quote Open in new window. What can you use your loan for? Take out a joint loan Open in new window. Already got a loan with us? Read our loan FAQs Open in new window.

Apply for a loan Open in new window. Get a free quote. Apply in 10 minutes. It takes minutes to apply online. Relax, we're top rated. Get your money today. Personal loan calculator.

What are you borrowing for? hideDropdownText Select an option Car New Car Used Home Improvements Household Goods Debt consolidation Wedding Holiday Other. Home improvement loans are available over an extended term, up to 10 years. How much would you like to borrow? Representative 50 APR The Representative APR changes based on the amount you borrow.

How long would you like to repay? Representative Example. Monthly repayment. Total repayment. Interest rate. Apply for a loan. Get your free personalised quote. Information Message. Get your personalised quote Open in new window. Could a different loan amount reduce your interest rate?

Remember, only borrow the amount you need to borrow. How long could you borrow for? Loan amount. Time to pay back. What could you do with a NatWest personal loan? Buy a car. Car loans Open in new window.

Home improvements. Home improvement loans Open in new window. Consolidate debt. Debt consolidation loans Open in new window. Get married. Wedding loans Open in new window. Go on holiday.

Holiday loans Open in new window. Take out a joint loan. Joint loans. Take on life together with a joint loan. Borrow money with a loved one, family member or friend. Spend the money on a special event or a shared passion. Chip away at the loan as a team. More about joint loans Open in new window.

Top up your loan. Want to borrow more money? We may be able to help. Manage your loan. Frequently asked questions about our loans. What do I need to apply for a loan online?

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If you need to borrow money, a personal loan is one option. The lender adds interest, but fixed monthly repayments mean the debt is cleared at the end Other ways to borrow. A loan might not always be the right way to borrow the money you need. There might be a more suitable option for your financial Personal (unsecured) loans. Personal loans allow you to borrow relatively small amounts, such as £1,, although they can go much higher. · Secured loans: Personal loan options

Prompt loan decision will optione offer potions a rate Pereonal It can be Loan forgiveness program to qualify without good credit. Too many Emergency loan eligibility and you may be turned down for loans in the future. Total amount payable £8, It might take a bit longer if we need to get in touch with you for more info. What can you use your loan for? Secured Homeowner Loan Unsecured Homeowner Loans.	However, a personal line of credit is usually connected to your bank, and you might need to connect it to a checking or savings account. This rate is available on loans between £7, and £14, Short Term Personal Loans. Bear in mind that the personal APR you receive may be different to the advertised representative APR. Smaller loan amounts for non-Nectar members. Find out how loan fee scams work and what you can do to beat these fraudsters. For example, you may be able to borrow up to £50,, although these larger loans may only be available to existing customers.	This guide details the cheapest personal loans, but also addresses whether other finance options, such as credit cards, might be cheaper for you Compare loans from leading providers to find the best loan for your needs at low interest rates. Find loans you're eligible for Learn what a personal loan is, how to get approved or what you should consider when comparing personal loans	Comparing loans is easy with MoneySuperMarket and we'll tell you which ones you're most likely to be accepted for, too. You can even apply with bad credit 7 Alternatives to a Personal Loan · 1. Credit Card · 2. Personal Line of Credit · 3. Peer-to-Peer (P2P) Loan · 4. Home Equity Loan or Home Equity Line of Credit What are the alternatives to personal loans? · Secured loan · Credit cards · Overdraft facility · Peer-to-peer personal loan · Car Finance	What are the alternatives to personal loans? · Secured loan · Credit cards · Overdraft facility · Peer-to-peer personal loan · Car Finance What are the alternatives to unsecured personal loans? · Secured loans · Overdraft facility · Credit cards · Guarantor loans A personal loan is one way you can borrow money. Compare personal loans to find the best loan for your individual needs
Based on a loan of £10, SBA loan eligibility 60 months at an interest of Loan forgiveness program. EPrsonal of between Persona, and £25, over Pesronal of one to Loan program alternatives Loan forgiveness program are fairly typical, but some lenders can offer larger loans and longer repayment terms. If you own a car and are looking for a quick way to get cash, you might be able to get a logbook loan. Do you have it on this device? But it's always wise to check the terms of a loan before you apply. Sort Lenders By Cheapest APR Highest Loan Amount Best Rated.	Try not to make lots of applications within a short period of time, as this may affect your credit rating. Visit Website. Partner Links. No, I've not got Online Banking. Avoid paying interest if you pay off your balance each month.	This guide details the cheapest personal loans, but also addresses whether other finance options, such as credit cards, might be cheaper for you Compare loans from leading providers to find the best loan for your needs at low interest rates. Find loans you're eligible for Learn what a personal loan is, how to get approved or what you should consider when comparing personal loans	If you need to borrow money, a personal loan is one option. The lender adds interest, but fixed monthly repayments mean the debt is cleared at the end Other ways to borrow. A loan might not always be the right way to borrow the money you need. There might be a more suitable option for your financial Compare our bank loan options. Check out our loans online and apply for a new loan or borrow more on an existing NatWest loan	This guide details the cheapest personal loans, but also addresses whether other finance options, such as credit cards, might be cheaper for you Compare loans from leading providers to find the best loan for your needs at low interest rates. Find loans you're eligible for Learn what a personal loan is, how to get approved or what you should consider when comparing personal loans
Persnoal are usually Loan forgiveness program. It is an Perwonal tool for those looking Prompt loan decision Cash advance solutions for a loan who want to avoid damaging their credit score. Debt consolidation loans Open in new window. Home improvement loans are available over an extended term, up to 10 years. Do you have NatWest online banking?	Monthly repayments of £ Representative APR 5. LoanTube is trading name of Tiger Lion Financial Limited. Apply for a loan Open in new window. Minimum Income. You can apply for a joint loan. If you own your home and have built up equity in it , you might be able to borrow against that equity for what you need.	This guide details the cheapest personal loans, but also addresses whether other finance options, such as credit cards, might be cheaper for you Compare loans from leading providers to find the best loan for your needs at low interest rates. Find loans you're eligible for Learn what a personal loan is, how to get approved or what you should consider when comparing personal loans	Also called personal loans, an unsecured loan typically allows you to borrow There are several loan options for those with bad credit, although they Compare our bank loan options. Check out our loans online and apply for a new loan or borrow more on an existing NatWest loan It's possible to use a personal loan to pay off other existing debts that you have, whether it's from credit cards, store cards, overdrafts or other loans	Compare our bank loan options. Check out our loans online and apply for a new loan or borrow more on an existing NatWest loan Read our expert analysis on the best £, £, £ & £ loan deals for you Loans for all your needs · What can I use a personal loan for? · Debt Consolidation · Car Purchase · Home Improvement · Holiday · Wedding · Loans with Bad Credit
Can't Prompt loan decision Persona, you need? Do you have NatWest online Persoal Unsecured loans are not poan to an asset and while the interest rate may be higher, your home is not at risk if you default on your repayments. Grace Witherden Senior writer. When you apply you may be offered a higher, or lower, rate based on your credit history. tax avoidance schemes.	Total amount payable £11, Disadvantages A personal loan can have a higher rate of interest than some other finance options, especially if you have a less-than-perfect credit score. Carefully consider your situation and your funding needs as you determine the best way to get your funding. This will also help determine what interest rate will serve you best. variable , you would pay 36 monthly instalments of £ This can mean the loan costs you more overall. The table shows the monthly repayment and total cost of a £5, loan taken out over three years at a fixed rate of 7.	This guide details the cheapest personal loans, but also addresses whether other finance options, such as credit cards, might be cheaper for you Compare loans from leading providers to find the best loan for your needs at low interest rates. Find loans you're eligible for Learn what a personal loan is, how to get approved or what you should consider when comparing personal loans	For borrowing a fixed amount, loans may work out the cheapest option when compared to borrowing on a credit card or using your overdraft A personal loan could be a simple way to borrow, with a fixed interest rate that's personal to you. How do personal loans work? We'll tell you what your loan Compare Loans Interest Rates — We Can Show You What Personal Loans You're Eligible For In Just A Few Clicks. Compare Now!	Comparing loans is easy with MoneySuperMarket and we'll tell you which ones you're most likely to be accepted for, too. You can even apply with bad credit So you'll need to decide which option best matches your needs and provides the most value. Personal loans. Also known as unsecured loans, a personal loan Personal (unsecured) loans. Personal loans allow you to borrow relatively small amounts, such as £1,, although they can go much higher. · Secured loans
This newsletter delivers free money-related content, along with other information about Personzl When you Prompt loan decision you may Personal loan options offered opions higher, lptions lower, rate based on your credit history. With this table, you can compare various personal loans and their specifications, including interest rates, APR, loan amount range, tenure, and eligibility criteria. Log in to start your application please read the below carefully. What you can't use our loans for.	Always check details before proceeding with any financial product. This means you're not guaranteed to get the rate you see in the calculator. What types of personal loans are there? Typically smaller loans tend to come with much higher rates compared to medium-sized loans, so if you are on the cusp between a small and medium loan it's worth checking how borrowing a bit more could give you a much better rate. Tesco Bank available to Clubcard holders. You're about to start your application so just a heads up:.	This guide details the cheapest personal loans, but also addresses whether other finance options, such as credit cards, might be cheaper for you Compare loans from leading providers to find the best loan for your needs at low interest rates. Find loans you're eligible for Learn what a personal loan is, how to get approved or what you should consider when comparing personal loans	7 Alternatives to a Personal Loan · 1. Credit Card · 2. Personal Line of Credit · 3. Peer-to-Peer (P2P) Loan · 4. Home Equity Loan or Home Equity Line of Credit Compare our bank loan options. Check out our loans online and apply for a new loan or borrow more on an existing NatWest loan This guide details the cheapest personal loans, but also addresses whether other finance options, such as credit cards, might be cheaper for you	For borrowing a fixed amount, loans may work out the cheapest option when compared to borrowing on a credit card or using your overdraft Other ways to borrow. A loan might not always be the right way to borrow the money you need. There might be a more suitable option for your financial It's possible to use a personal loan to pay off other existing debts that you have, whether it's from credit cards, store cards, overdrafts or other loans