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Term%APR2Representative %APRMonthly repaymentTotal repayment

1The actual %APR offered is subject to personal circumstances and the amount you wish to borrow. Subject to status. Age of 21. UK residents only.2Representative %APR
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Our Top Tips

Borrow as little as possible for the shortest time possible

Check and then check again that you’re borrowing the absolute minimum you need. It’s always cheaper to borrow only as much as you need and to pay back over the shortest time period possible. The faster you repay, the less interest you pay.

Calculate what you can afford to pay back each month

Can you afford the monthly repayments for the total duration of the loan? When you compare rates, use a comparison tool that lets you change how long you can borrow for so that you can compare the cost of the monthly repayment to see if you can afford it!

Check that your credit file is accurate

Make sure that your credit file is up to date and error free. For more information read our credit rating guide.

Only apply for loans you know you’re likely to get

All advertised loan and credit card %APRs are either representative or typical – this means only 51% (representative) or 66% (typical) of successful applicants are guaranteed to get the advertised rate. That leaves a lot of people being rejected, or offered loan rates much higher than they expected. Worse still being declined can damage your credit rating.

  • Fraud Alert

    We have recently been made aware of a loan fee scam operating in the UK: individuals receive a call offering a loan on the condition that an upfront fee is paid before the funds can be released. The fraudulent broker asks for fees to be transferred by vouchers or money transfer and often falsely claims to represent legitimate loan providers or brokers who are registered with the Financial Conduct Authority (FCA). The genuine loan provider or broker is in fact unaware of this activity and is the victim of corporate identity theft. A more detailed description of the scam can be found on the FCA website: does not arrange loans or take money from visitors to this website. We are a comparison service that enables individuals to compare loans from different legitimate lenders according to their personal circumstances. We do a “soft search” of your credit data and match that against lenders lending criteria showing you whether you are likely to be accepted. This search leaves no mark that is visible to lenders on your credit file.

    If visitors to our site have had any experience of loan fee fraud they should contact with Action Fraud, the UK’s national reporting centre for fraud and internet crime, on 0300 123 2040 or by visiting

  • Personal loans

    Personal Loans are usually offered by the larger banks. You can use them to borrow between £1,000 to £25,000. They tend to have relatively short terms ranging from 12 months to 7 years. Personal loans are often advertised with low headline rates or %APR’s which can make them look very attractive or cheap. However the reality is that they are reserved for people who lenders consider to be low risk or have a near perfect credit rating. Therefore you are unlikely to get one unless you have an excellent credit record. Our advanced eligibility checking technology shows you the likelihood of you being accepted before you apply without affecting your credit rating so you can apply with confidence.

  • Homeowner loans

    These loans are secured against your property, meaning that you could lose your home if you don’t keep up repayments. However if used properly they can allow borrowers to access relatively large sums of up to £100,000. Because the loan is secured against your property, you may be accepted for a secured loan even if you’ve been declined for a personal loan, or if your credit rating is not perfect. It might be possible to use a Homeowner loan to create lower monthly payments on existing debts to make them more affordable. Homeowner loans run for longer terms of up to 25 years, meaning you can spread the cost of your debts which should lower monthly repayments. However be careful, although the monthly payment may be lower, over the lifetime of the debt the total amount you pay back is likely to be higher.

  • Bad credit loans

    There has been a sea change in the loans market in the last few years. Lenders now have a different attitude to who they will lend to, which has meant that thousands of people with poor credit histories are now eligible for loans. It’s essential to find a product that is affordable and can help you rebuild your credit score, so that in the long term the cost of your borrowing can be reduced. Our advanced eligibility checking technology allows you to compare all kinds of loans to see which ones you are most likely to be accepted for.

  • Credit cards

    It’s a little known fact that it can often be much cheaper to borrow on a credit card than take out a loan. In particular, if you’re looking to consolidate credit card debts, or you want to borrow less than £2000, a credit card may be more suitable than a loan. Find out if you can borrow for less on a credit card by reading our credit card guide.