Independent Lending Research

Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

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Rates updated daily
No credit score impact
Editorial methodology

Recently added

Moneybarn Car Finance

niche id car_finance
apr range From 14.9% representative
loan type Auto (Hire Purchase)
rate note Representative 30.7% APR fixed for car and van finance. Specialist lender for poor/limited credit.
min credit Poor to Fair (specialist)
prefetched True
term range 24 - 60 months
amount range £3,000 - £25,000
product type car_finance
apr representative 30.7
apr min 12.9
apr max 69.9
price snapshots [{'timestamp': '2026-04-10T11:44:43.842513+00:00', 'values': {'apr_min': 12.9, 'apr_max': 69.9}}]
apr min currency GBP
apr max currency GBP
currency GBP
original image url https://www.moneybarn.com/wp-content/uploads/2019/09/M_Favicon.png
Check eligibility →

Funding Circle Business Loans

niche id business_loans
apr range From 6.7%
loan type Business
rate note Rates from 6.9% per year. No early repayment fees. FCA regulated, LSE listed.
min credit Fair business credit
prefetched True
term range 6 months - 6 years
amount range £10,000 - £500,000
product type business_loan
loan amount max 750000
loan amount min 10000
price snapshots [{'values': {'loan_amount_max': 750000.0, 'loan_amount_min': 10000.0}, 'timestamp': '2026-04-03T08:57:33.411135+00:00'}]
apr representative 6.9
apr min 6.9
apr max 29.9
apr min currency GBP
apr max currency GBP
currency GBP
original image url https://www.fundingcircle.com/toffee-assets/favicon.ico
Check eligibility →

iwoca Business Loans

niche id business_loans
apr range From 2% per month
loan type Business
rate note Flexi-Loan from 1.5% per 30 days on outstanding balance. Long-term loans up to £350,000 over 5 years from 4.5% p.a.
min credit 6+ months trading
prefetched True
term range 1 - 24 months
amount range £1,000 - £500,000
product type business_loan
loan amount max 1000000
loan amount min 1000
price snapshots [{'values': {'loan_amount_max': 1000000.0, 'loan_amount_min': 1000.0}, 'timestamp': '2026-04-03T08:57:34.723473+00:00'}]
apr min 18.0
apr max 49.9
apr min currency GBP
apr max currency GBP
currency GBP
original image url https://cdn.prod.website-files.com/62b040bf442187a12361b14f/62dea6c03ec6106c2849cd6c_iwoca-webclip.png
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Sainsbury's Bank Personal Loans

niche id personal_loans
loan type personal
amount range £1,000 - £25,000
apr range From 6.9% representative
term range 1 - 5 years
min credit Good (700+)
prefetched True
apr min 5.7
apr max 19.9
provider Sainsbury's Bank
currency GBP
amount min 1000
amount max 25000
term months min 12
term months max 60
apr min currency GBP
apr max currency GBP
amount min currency GBP
amount max currency GBP
price snapshots [{'timestamp': '2026-04-16T06:24:18.661371+00:00', 'values': {'apr_min': 5.7, 'apr_max': 19.9}}]
original image url https://www.sainsburysbank.co.uk/.resources/sb-cms/webresources/assets/icons/favicon.ico
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Lendable Personal Loan

apr max 48.9
apr min 8.1
niche id personal_loans
term max 60
term min 12
apr range 8.1%-48.9% APR
loan type personal
amount max 25000
amount min 1000
flag count 2
flagged at 2026-04-02T20:38:36.591516+00:00
flagged by user:anonymous@100.64.0.11
flag reason wrong_info
flag source user
review note monkey test probe
flag history [{'at': '2026-04-01T18:37:31.707936+00:00', 'by': 'user:anonymous@100.64.0.21', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}, {'at': '2026-04-02T20:38:36.591516+00:00', 'by': 'user:anonymous@100.64.0.11', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}]
needs review True
apr representative 18.9%
total flags lifetime 2
apr min currency GBP
apr max currency GBP
amount min currency GBP
amount max currency GBP
price snapshots [{'timestamp': '2026-04-27T10:27:35.853805+00:00', 'values': {'apr_min': 8.1, 'apr_max': 48.9}}]
currency GBP
original image url https://www.lendable.co.uk/meta-icons/favicon.png
Check eligibility →

Novuna Personal Finance (formerly Hitachi Personal)

niche id personal_loans
loan type Personal
amount range £1,000 - £25,000
apr range 6.7% - 36.4%
term range 1 - 5 years
min credit Good (700+)
prefetched True
apr representative 6.7
loan amount min 7500
loan amount max 25000
rate note Lowest rate when applying direct for £7,500-£25,000
price snapshots [{'timestamp': '2026-04-03T08:57:33.471719+00:00', 'values': {'loan_amount_min': 7500.0, 'loan_amount_max': 25000.0}}]
apr min 6.7
apr max 36.4
apr min currency GBP
apr max currency GBP
currency GBP
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Everyday Loans

niche id personal_loans
loan type personal
amount range £1,000 - £15,000
apr range 29.9%-299.8% APR
term range 18 - 60 months
min credit Poor to Fair (specialist)
prefetched True
apr min 39.9
apr max 299.8
provider Everyday Loans
currency GBP
amount min 1000
amount max 15000
term months min 18
term months max 60
apr representative 39.9%
needs review True
flag reason wrong_info
review note monkey test probe
flagged at 2026-04-01T14:49:52.157961+00:00
flagged by user:anonymous@100.64.0.37
flag source user
flag count 2
total flags lifetime 2
flag history [{'by': 'user:anonymous@100.64.0.23', 'reason': 'wrong_info', 'note': 'monkey test probe', 'at': '2026-04-01T14:44:57.500348+00:00', 'source': 'user'}, {'by': 'user:anonymous@100.64.0.37', 'reason': 'wrong_info', 'note': 'monkey test probe', 'at': '2026-04-01T14:49:52.157961+00:00', 'source': 'user'}]
apr min currency GBP
apr max currency GBP
amount min currency GBP
amount max currency GBP
price snapshots [{'timestamp': '2026-04-26T09:33:50.858883+00:00', 'values': {'apr_min': 39.9, 'apr_max': 299.8}}]
original image url https://www.evlo.co.uk/wp-content/uploads/2024/11/cropped-favicon-180x180.png
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Tesco Bank Personal Loans

niche id personal_loans
loan type Personal
amount range £1,000 - £25,000
apr range 6.0% - 21.9%
term range 1 - 7 years
min credit Good (700+)
prefetched True
apr representative 6.0
loan amount min 7500
loan amount max 25000
term min months 12
term max months 60
rate note Lowest rate for Clubcard members on £7,500-£25,000
price snapshots [{'timestamp': '2026-04-03T08:57:33.377434+00:00', 'values': {'loan_amount_min': 7500.0, 'loan_amount_max': 25000.0}}]
apr min 6.0
apr max 19.9
apr min currency GBP
apr max currency GBP
currency GBP
original image url https://www.tescobank.com/apple-touch-icon.png
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Asda Money Personal Loans

niche id personal_loans
loan type personal
amount range £1,000 - £25,000
apr range 6.9% representative
term range 1 - 5 years
min credit Good (700+)
prefetched True
apr min 6.9
apr max 19.9
provider Asda Money
currency GBP
amount min 1000
amount max 25000
term months min 12
term months max 60
apr representative 6.9%
needs review True
flag reason wrong_info
review note monkey test probe
flagged at 2026-04-02T08:36:06.366055+00:00
flagged by user:anonymous@100.64.0.14
flag source user
flag count 2
total flags lifetime 2
flag history [{'by': 'user:anonymous@100.64.0.33', 'reason': 'wrong_info', 'note': 'monkey test probe', 'at': '2026-04-02T08:23:20.876291+00:00', 'source': 'user'}, {'by': 'user:anonymous@100.64.0.14', 'reason': 'wrong_info', 'note': 'monkey test probe', 'at': '2026-04-02T08:36:06.366055+00:00', 'source': 'user'}]
apr min currency GBP
apr max currency GBP
amount min currency GBP
amount max currency GBP
price snapshots [{'timestamp': '2026-04-26T09:33:57.457310+00:00', 'values': {'apr_min': 6.9, 'apr_max': 19.9}}]
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Ocean Finance Personal Loan

apr max 69.9
apr min 24.9
niche id personal_loans
term max 60
term min 12
apr range 29.9%-99.9% APR
loan type personal
amount max 5000
amount min 1000
flag count 4
flagged at 2026-04-02T06:51:25.793401+00:00
flagged by user:anonymous@100.64.0.16
flag reason wrong_info
flag source user
review note monkey test probe
flag history [{'at': '2026-04-01T09:21:26.163339+00:00', 'by': 'user:anonymous@100.64.0.31', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}, {'at': '2026-04-01T11:42:56.100064+00:00', 'by': 'user:anonymous@100.64.0.13', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}, {'at': '2026-04-01T11:49:27.636112+00:00', 'by': 'user:anonymous@100.64.0.26', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}, {'at': '2026-04-02T06:51:25.793401+00:00', 'by': 'user:anonymous@100.64.0.16', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}]
needs review True
apr representative 39.9%
total flags lifetime 4
apr min currency GBP
apr max currency GBP
amount min currency GBP
amount max currency GBP
currency GBP
price snapshots [{'timestamp': '2026-05-12T19:56:42.455286+00:00', 'values': {'apr_min': 24.9, 'apr_max': 69.9}}]
original image url https://www.oceanfinance.co.uk/apple-touch-icon.png
Check eligibility →

Danske Bank Fixed Rate Personal Loan

apr max 19.9
apr min 6.9
niche id personal_loans
term max 60
term min 12
apr range 6.9% representative
loan type personal
amount max 25000
amount min 1000
flag count 4
flagged at 2026-04-02T18:20:35.480560+00:00
flagged by user:anonymous@100.64.0.17
flag reason wrong_info
flag source user
review note monkey test probe
flag history [{'at': '2026-04-02T07:45:15.317591+00:00', 'by': 'user:anonymous@100.64.0.11', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}, {'at': '2026-04-02T08:28:00.571935+00:00', 'by': 'user:anonymous@100.64.0.31', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}, {'at': '2026-04-02T11:18:29.420435+00:00', 'by': 'user:anonymous@100.64.0.19', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}, {'at': '2026-04-02T18:20:35.480560+00:00', 'by': 'user:anonymous@100.64.0.17', 'note': 'monkey test probe', 'reason': 'wrong_info', 'source': 'user'}]
needs review True
apr representative 6.9%
total flags lifetime 4
apr min currency GBP
apr max currency GBP
amount min currency GBP
amount max currency GBP
currency GBP
original image url https://danskebank.co.uk/~/media/Danske%20Bank/favicons/Apple/apple-touch-icon-57x57.png
price snapshots [{'timestamp': '2026-05-12T19:13:11.395989+00:00', 'values': {'apr_min': 6.9, 'apr_max': 19.9}}]
Check eligibility →