Personal Loans
Whether you’re financing a major purchase, consolidating debt, or need flexible repayment terms, we’ve done the hard work for you.
Explore the UK personal lending market
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From small top-ups to larger lump sums
Borrow from trusted UK lenders
Get Personalised Rates
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Options for all credit backgrounds
Representative 18.6% APR
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
We compare Personal Loans from 40+ trusted UK providers, including:
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender. Examples are for illustration purposes only. The rate and term you are offered are subject to status and affordability and are dependent on your individual circumstances. Find out how this calculator works
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Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
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Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Showing 1-15 of 44 personal loans
Compare personal loans in the UK – unsecured.
Personal loans provide a way to borrow a fixed amount of money over a set period, with regular repayments. As unsecured loans, they do not require you to offer assets like your home as security.
Whether you’re consolidating existing debts, funding a large purchase, or financing home improvements, personal loans can offer a flexible borrowing option. However, it’s important to understand the interest rates, repayment terms, and total cost of borrowing before applying.
On this page, you can:
- Compare unsecured personal loan options from a range of UK lenders
- Check your eligibility using a soft search, which won’t affect your credit score
- Learn how personal loans work, including how interest and repayments are calculated
What is a personal loan?
A personal loan is a type of credit that allows you to borrow a fixed amount of money from a lender, which you repay in monthly instalments over an agreed period, known as the loan term. Most personal loans in the UK are unsecured, meaning you do not need to provide an asset such as your home or vehicle as security.
Loan amounts, repayment terms, and interest rates vary between lenders. The interest rate you’re offered typically depends on factors such as:
- Your credit history and credit score
- Your income and existing financial commitments
- The amount you want to borrow and the repayment term
Representative Annual Percentage Rate (APR) is used to help you compare loan products. It reflects the typical rate offered to at least 51% of customers accepted for that loan but is not guaranteed. The actual rate you’re offered may be higher or lower depending on your personal circumstances.
Because personal loans are unsecured, interest rates are often higher than for secured loans. However, your risk is limited to the debt itself, rather than risking repossession of your property.

Remember: Personal loans are a form of borrowing. Always check the total cost of credit and ensure repayments are affordable. Missing payments can lead to financial difficulty and negatively impact your credit score.
Who are personal loans for?
Personal loans can be suitable for individuals who need to borrow a fixed amount of money and prefer predictable, monthly repayments over a set period. You might consider a personal loan if you:
- Want to consolidate existing debts, such as credit cards or other loans, into a single repayment
- Need to fund a large, one-off purchase. For example, a car, household appliance, or home improvement project
- Prefer fixed repayment amounts and a clear loan term to help you manage your budget
- Meet the lender’s basic eligibility criteria, which typically include being a UK resident, aged 18 or over, having a regular income, and passing a credit check
Important: Personal loans may not be suitable for everyone. They are generally intended for planned borrowing rather than covering ongoing expenses. Always consider whether you can afford the repayments over the full loan term before applying. Missing payments could damage your credit score and lead to financial difficulties.
Am I eligible for a personal loan?
To apply for a personal loan, most UK lenders will expect you to meet the following basic eligibility criteria:
- Be aged 18 or over
- Be a UK resident with a permanent address
- Have a regular source of income
- Pass the lender’s credit and affordability checks
Some lenders may offer personal loans to individuals with a lower or limited credit history, but you’re likely to be offered higher interest rates and more limited borrowing options if your credit score is poor.
Before applying, consider using a free eligibility check service, sometimes called a ‘soft search’. You can check your eligibility for personal loans using our partner powered eligibility checker, operated by Creditec. This allows you to see your likelihood of approval without affecting your credit score.
Important: Meeting the basic criteria does not guarantee approval. Each lender will assess your personal and financial circumstances, including your ability to repay the loan, as part of their lending decision.

Get Personalised Loan Rates
Find lenders that can approve you
Options for all credit backgrounds
Representative 18.6% APR
No impact to your credit score
Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
What can a personal loan be used for?
Personal loans are typically used for planned, one off expenses or to help manage existing debt. Common reasons people apply for a personal loan include:
- Debt consolidation: Combining multiple debts, such as credit cards or other loans, into a single monthly repayment. This may help simplify your repayments and reduce your overall interest rate, but always check if early repayment fees or total repayment costs make consolidation suitable for you.
- Home improvements: Spreading the cost of renovations, household appliances, or furniture over a set repayment term.
- Vehicle purchase: Financing the purchase of a car, van, or motorcycle, especially if you prefer predictable monthly repayments over using dealer finance.
- Unexpected one-off expenses: Covering urgent or emergency costs where other forms of borrowing (or savings) may not be available or appropriate.
Borrowing responsibly; what to consider
A personal loan can help you manage large, one-off expenses or consolidate existing debt. However, borrowing is a significant financial commitment, and it’s important to consider whether it is the right option for you.
- Affordability: Only borrow what you can comfortably afford to repay over the full loan term. Missing repayments may result in additional charges and negatively affect your credit score.
- Necessity: Consider whether taking out a loan is necessary or if there are alternative ways to manage your finances, such as using savings.
- Total cost of credit: Always check the total amount you’ll repay over the loan term, including interest and fees. Look for the Annual Percentage Rate (APR) to compare loan offers.
- Purpose of borrowing: Personal loans are generally intended for planned, one-off expenses. If you’re considering borrowing to cover everyday spending or ongoing financial difficulties, it may not be the right solution and could lead to further financial pressure.
Personal Loan FAQs
What interest rate will I get?
The interest rate offered will depend on your credit history, personal circumstances, and the lender’s assessment of your ability to repay. While representative APRs typically range from around 6% to 30%, some lenders may offer higher rates. Always review your individual offer carefully before proceeding, as the rate you’re offered may differ from the representative rate.
Will checking my eligibility affect my credit score?
No. Checking your eligibility uses a soft credit search, which does not impact your credit score. Only when you submit a full application will a hard search be recorded on your credit file, which could affect your score.
Can I repay a personal loan early?
In most cases, yes. However, some lenders may charge an early repayment or settlement fee. Always check the loan’s terms and conditions before agreeing, to understand any costs associated with repaying early.
How much can I borrow?
Personal loan amounts typically range from £1,000 to £25,000, depending on the lender and your personal circumstances. Some lenders may offer amounts up to £50,000, but this is less common and usually subject to stricter eligibility criteria.
Are personal loans available for people with bad credit?
Some lenders offer personal loans to applicants with lower or limited credit histories. However, these products often have higher interest rates, shorter repayment terms, or stricter conditions. Use a soft search eligibility checker to explore your potential options without affecting your credit score. Remember, borrowing costs are likely to be higher if your credit score is poor.
What is a credit score?
Credit scoring is a process used by lenders to make a decision as to whether or not they want to lend to you. This process is largely based on information they get from the credit reference agencies ( Equifax, Experian and TransUnion) who hold information about your credit history. They will also use information from your application form, and data from any accounts you’ve had with that financial firm in the past.
In general, having a positive record of repaying debt on time significantly increases your chances of approval compared to a history of missed payments.
The content presented here has been impartially gathered by the Mintify team and is offered on a non-advised basis for informational purposes only. We adhere to strict editorial integrity

Editor, Credit Cards: Michelle Blackmore
Last Updated: August 1, 2025
How this calculator works
This tool provides an illustrative example of the costs of a personal loan based on the loan amount and term selected by the user. It is designed to reflect, as closely as possible, the actual calculation methods used by the lender.
What we show
For each loan product:
- We calculate monthly repayments, total amount repayable, and the representative APR.
- These calculations are based on publicly available product data and are representative, not personalised.
- We display the representative example required under FCA rules, which includes loan amount, duration, total repayable, interest rate, and representative APR.
How we calculate
The calculator uses the method aligned with how the lender presents its product:
- For lenders that use flat interest rates, we calculate using simple interest across the term.
- For those that use amortised or reducing balance interest, we apply appropriate formulas to reflect declining capital balances.
- Some lenders charge interest on a daily or monthly basis; we replicate those structures where applicable.
- If there are any fees (e.g. arrangement or completion fees), we incorporate these into the total amount repayable if the lender discloses them.
- We aim to reproduce the effective cost of credit as the lender would disclose it, using their advertised or representative data.
Important disclaimer
This calculator does not provide a personalised quote or credit offer. The figures shown are for illustrative purposes only and may differ from the rate or repayment terms you are offered. The actual cost of credit will depend on your personal circumstances and creditworthiness, and will be provided by the lender during the application process.
We regularly update our product data to ensure accuracy, but cannot guarantee that all lender changes are reflected in real time.