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AdmiralPersonal Loan

Admiral

Representative %APR (fixed)

6.4 % APR

Monthly repayment

£177.68

Total charge for credit

£264.32

Total amount repayable

£4,264.32

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 6.4% (fixed) would result in a representative rate of 6.4% APR, monthly repayments of £177.68, total amount repayable is £4,264.32

ZopaPersonal Loan

Zopa

Representative %APR (fixed)

6.5 % APR

Monthly repayment

£177.85

Total charge for credit

£268.40

Total amount repayable

£4,268.40

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 4.3% (fixed) would result in a representative rate of 6.5% APR, monthly repayments of £177.85, total amount repayable is £4,268.40 which includes an arrangement fee of £90

Post OfficePersonal Loan

Post Office

Representative %APR (fixed)

8.9 % APR

Monthly repayment

£181.93

Total charge for credit

£366.32

Total amount repayable

£4,366.32

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 8.9% (fixed) would result in a representative rate of 8.9% APR, monthly repayments of £181.93, total amount repayable is £4,366.32

HitachiPersonal Loan

Hitachi

Representative %APR (fixed)

9.5 % APR

Monthly repayment

£182.94

Total charge for credit

£390.56

Total amount repayable

£4,390.56

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 9.5% (fixed) would result in a representative rate of 9.5% APR, monthly repayments of £182.94, total amount repayable is £4,390.56

RateSetterPersonal Loan

RateSetter

Representative %APR (fixed)

9.9 % APR

Monthly repayment

£183.62

Total charge for credit

£406.88

Total amount repayable

£4,406.88

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 6.2% (fixed) would result in a representative rate of 9.9% APR, monthly repayments of £183.62, total amount repayable is £4,406.88 which includes an arrangement fee of £137.20

AAPersonal Loan

AA

Representative %APR (fixed)

9.9 % APR

Monthly repayment

£183.62

Total charge for credit

£406.88

Total amount repayable

£4,406.88

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 9.9% (fixed) would result in a representative rate of 9.9% APR, monthly repayments of £183.62, total amount repayable is £4,406.88

Sainsbury's Bank (Nectar Cardholders Only)Personal Loan

Sainsbury's Bank (Nectar Cardholders Only)

Representative %APR (fixed)

10.6 % APR

Monthly repayment

£184.80

Total charge for credit

£435.20

Total amount repayable

£4,435.20

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 10.6% (fixed) would result in a representative rate of 10.6% APR, monthly repayments of £184.80, total amount repayable is £4,435.20

Tesco BankPersonal Loan

Tesco Bank

Representative %APR (fixed)

11.8 % APR

Monthly repayment

£186.81

Total charge for credit

£483.44

Total amount repayable

£4,483.44

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 11.2% (fixed) would result in a representative rate of 11.8% APR, monthly repayments of £186.81, total amount repayable is £4,483.44

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LendablePersonal Loan

Lendable

Representative %APR (fixed)

12 % APR

Monthly repayment

£187.15

Total charge for credit

£491.60

Total amount repayable

£4,491.60

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 12.0% (fixed) would result in a representative rate of 12.0% APR, monthly repayments of £187.15, total amount repayable is £4,491.60

shawbrookPersonal Loan

shawbrook

Representative %APR (fixed)

13.2 % APR

Monthly repayment

£189.16

Total charge for credit

£539.84

Total amount repayable

£4,539.84

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 13.2% (fixed) would result in a representative rate of 13.2% APR, monthly repayments of £189.16, total amount repayable is £4,539.84

first directPersonal Loan

first direct

Representative %APR (fixed)

16.9 % APR

Monthly repayment

£195.31

Total charge for credit

£687.44

Total amount repayable

£4,687.44

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 16.9% (fixed) would result in a representative rate of 16.9% APR, monthly repayments of £195.31, total amount repayable is £4,687.44

1st Stop GoldPersonal Loan

1st Stop Gold

Representative %APR (fixed)

18.5 % APR

Monthly repayment

£197.95

Total charge for credit

£750.80

Total amount repayable

£4,750.80

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 18.5% (fixed) would result in a representative rate of 18.5% APR, monthly repayments of £197.95, total amount repayable is £4,750.80

HSBCPersonal Loan

HSBC

Representative %APR (fixed)

18.9 % APR

Monthly repayment

£198.61

Total charge for credit

£766.64

Total amount repayable

£4,766.64

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 18.9% (fixed) would result in a representative rate of 18.9% APR, monthly repayments of £198.61, total amount repayable is £4,766.64

ZutoCar Loan

Zuto

Representative %APR (fixed)

19.8 % APR

Monthly repayment

£200.09

Total charge for credit

£802.16

Total amount repayable

£4,802.16

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 18.3% (fixed) would result in a representative rate of 19.8% APR, monthly repayments of £200.09, total amount repayable is £4,802.16

NatWest (Existing Customers)Personal Loan

NatWest (Existing Customers)

Representative %APR (fixed)

19.9 % APR

Monthly repayment

£200.25

Total charge for credit

£806.00

Total amount repayable

£4,806.00

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 19.9% (fixed) would result in a representative rate of 19.9% APR, monthly repayments of £200.25, total amount repayable is £4,806

Royal Bank of Scotland (Existing Customers)Personal Loan

Royal Bank of Scotland (Existing Customers)

Representative %APR (fixed)

19.9 % APR

Monthly repayment

£200.25

Total charge for credit

£806.00

Total amount repayable

£4,806.00

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 19.9% (fixed) would result in a representative rate of 19.9% APR, monthly repayments of £200.25, total amount repayable is £4,806

Appro PlatinumPersonal Loan

Appro Platinum

Representative %APR (fixed)

19.9 % APR

Monthly repayment

£200.25

Total charge for credit

£806.00

Total amount repayable

£4,806.00

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 19.9% (fixed) would result in a representative rate of 19.9% APR, monthly repayments of £200.25, total amount repayable is £4,806

besavviPersonal Loan

besavvi

Representative %APR (fixed)

22.9 % APR

Monthly repayment

£205.15

Total charge for credit

£923.60

Total amount repayable

£4,923.60

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 22.9% (fixed) would result in a representative rate of 22.9% APR, monthly repayments of £205.15, total amount repayable is £4,923.60

1st StopPersonal Loan

1st Stop

Representative %APR (fixed)

24.9 % APR

Monthly repayment

£208.39

Total charge for credit

£1,001.36

Total amount repayable

£5,001.36

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 24.9% (fixed) would result in a representative rate of 24.9% APR, monthly repayments of £208.39, total amount repayable is £5,001.36

CarFinance 247Car Loan

CarFinance 247

Representative %APR (fixed)

25.4 % APR

Monthly repayment

£209.19

Total charge for credit

£1,020.56

Total amount repayable

£5,020.56

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

Borrowing £4,000 over 24 months at an annual interest rate of 25.4% (fixed) would result in a representative rate of 25.4% APR, monthly repayments of £209.19, total amount repayable is £5,020.56

We compare hundreds of loans from leading lenders

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Guide to unsecured loans

What is an unsecured loan?

An unsecured loan is essentially a loan for a one-off essential purchase. As these loans are usually for smaller amounts, lenders won’t require you to secure the loan against your home, however your credit rating will be taken into consideration and may determine the amount of money you are able to borrow.

They are known as unsecured loans to distinguish them from secured loans, or homeowner loans, in which the money you borrow is secured against your home.

Unsecured loans are often known as personal loans as they are a good option when you need extra money for small purchases and changes in your life, however it can be hard to find the right deal for you. Read on to learn about some of the benefits of unsecured loans and what other options are available to you.

Pros and cons of an unsecured loan

An unsecured loan might enable you to borrow more than you can with a credit card, and the interest rate is often fixed (but not always) making it easier to keep track of your finances.

An unsecured loan can also be used as a debt consolidation loan – used to pay off multiple debts so you can simplify your finances by only making one payment each month.

However unsecured loans can also have higher interest rates than you might be offered by secured loans, and some even come with early repayment charges, which can be a pain if you are suddenly in a position to pay back the money you borrowed. To make sure you are finding the cheapest unsecured loan you should decide exactly how much money you need (never borrow an excessive amount just because it is available to you) and then compare the interest rates offered by different types of loan for that amount.

You should also be aware that lenders will look at your credit history when deciding on how much you can borrow and at what rate. If you have a bad credit rating you might find it harder to find a sizeable unsecured loan at a good rate.

Alternatives to unsecured loans

When considering taking out a loan it is always worth taking a minute to look at the other options available and to think about what it is you are borrowing the money for. If you need money to buy a car then a car finance loan might be a good option.

Alternatively, if you are looking to borrow a less than £3,000 a credit card might actually offer lower interest rates. The longest 0% purchase card offer is 27 months, which means if you wish to borrow less than £3,000 and are confident that you can repay all the money within 27 months then this might be a good option for you.

Maybe you are hoping to pay off multiple debtors at once to simplify your finances? In this case a debt consolidation loan could help you.

Things to remember

Having a bad credit rating can limit the amount you are able to borrow with an unsecured loan. If you have poor credit history there are other ways to borrow money though. Certain credit cards accept people with bad credit ratings, and you can use our comparison tool to see which of these are most likely to accept you.

While you might not be able to secure as much money with a small unsecured loan as you might with a secured or homeowner loan (because the latter is taken out against your house), it is certainly a less risky option. However this doesn’t mean an unsecured loan is completely without risk. If you fail to keep up with your repayments you could be taken to court and, if you receive a County Court Judgement (CCJ) against you, this will have a serious impact on your credit rating and make it extremely hard to find the cheapest unsecured loans in future.

As with taking out any loan or credit card, you need to be sure that you have budgeted so you can make the repayments each month. You should also be aware that the longer it takes to pay back the loan in full, the more interest you will be paying, making the loan ever more expensive.