With loans available up to £25,000 and relatively quick approval times, this option is suitable for homeowners looking to finance home improvements. However, the variable APR of up to 14.9% could make it expensive for long-term borrowing.

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Close Brothers Motor Finance

Provider Close Brothers Motor Finance

Min Term (months) 12 months

Max Term (months) 60 months

Approval Time Same day decision

Requirements UK resident, Aged 18+, Regular income

Type Car_finance

Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.

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iwoca Business Loans

iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.

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Danske Bank Fixed Rate Personal Loan

Min Term (months) 12 months

Max Term (months) 60 months

Type Personal

The Danske Bank Fixed Rate Personal Loan offers a competitive APR range, making it a viable option for borrowers seeking stability in repayments.

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CarFinance 247

Provider CarFinance 247

Min Term (months) 12 months

Max Term (months) 60 months

Approval Time Instant online

Requirements UK residency, Minimum age 18

Type Auto

CarFinance 247 provides quick access to a wide range of auto loans, but high APRs may deter some borrowers.

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Tide Business Loans

Min Term (months) 1 months

Max Term (months) 36 months

Approval Time Minutes

Requirements UK registered business, Active Tide business account, 6+ months trading history

Type Business Loan

Tide Business Loans provide quick approval times, making them for urgent funding needs. However, the minimum APR of 9.9% can be steep for long-term borrowing.

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HSBC Personal Loan

Min Term (months) 12 months

Max Term (months) 60 months

Approval Time Same day

Requirements UK resident, 18+, HSBC current account preferred

Type Personal

Among the lowest headline APRs on the market for larger loans. The 3.9% rate is genuinely competitive if you qualify.

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Moneybarn Car Finance

Min Term (months) 24 months

Max Term (months) 60 months

Approval Time Same day decision

Requirements UK resident, Age 18+, Valid UK driving licence

Type Hire_purchase

Moneybarn provides a viable option for those with less-than-perfect credit looking for car finance. Their understanding of specialist lending can ease access for many drivers.

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Tesco Bank Personal Loans

Min Term (months) 12 months

Max Term (months) 84 months

Type Personal

Tesco Bank Personal Loans offer competitive rates for Clubcard members, making them a viable option for those seeking personal loans in the UK.

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MotoNovo Finance

Provider MotoNovo Finance

Min Term (months) 12 months

Max Term (months) 60 months

Approval Time Same day decision

Requirements UK resident, Aged 18+, Valid driving licence

Type Car_finance

MotoNovo Finance is a solid choice for those looking for flexible car finance options with quick approvals.

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Monzo Loan

Min Term (months) 3 months

Max Term (months) 60 months

Approval Time Instant

Requirements Monzo current account, 18+, UK resident

Type Personal

The fastest loan experience in the UK — genuinely instant if you're already a Monzo customer. But rates vary wildly based on your in-app credit score.

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Black Horse Car Finance

Min Term (months) 12 months

Max Term (months) 60 months

Approval Time Same day via dealer

Requirements UK resident, Aged 18+, Regular income

Type Car_finance

Black Horse Car Finance offers a wide range of loan options, making it a strong contender for those looking to finance a vehicle.

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Virgin Money Personal Loans

Provider Virgin Money

Min Term (months) 12 months

Max Term (months) 60 months

Type Personal

Virgin Money offers competitive personal loans with flexible terms, making them an appealing option for borrowers. However, potential applicants should ensure they meet the credit score requirements.

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Oodle Car Finance

Provider Oodle Car Finance

Min Term (months) 24 months

Max Term (months) 60 months

Approval Time Instant decision

Requirements UK resident, Aged 18+, Minimum income £1,000/month

Type Car_finance

Oodle Car Finance offers a straightforward approach to car finance, particularly for those with a decent credit history.

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Novuna Personal Finance (formerly Hitachi Personal)

Provider Novuna Personal Finance

Min Term (months) 12 months

Max Term (months) 60 months

Type Personal

Novuna Personal Finance offers flexible personal loans with competitive rates, ideal for those seeking straightforward borrowing options without penalties for early repayment.

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