All Loans

Zopa Personal Loan

Loan amount
Up to £25,000
Representative APR
9.5% APR (£7,500 to £15,000)
Loan Duration
Up to 5 Years

A loan of £7,500 over 5 years will cost you £157.40 per month at a representative 9.9% APR. The total cost after 5 years is £9,443, which includes £1,763.93 interest at 8.8% fixed and a £180 fee. The total amount of credit is £7,680. The rate and fee you are offered will depend on your individual circumstances

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Royal Bank of Scotland Personal Loan Ex/C

Loan amount
Up to £50,000
Representative APR
3.9% APR (£7,500 to £25,000)
Loan Duration
Up to 7 Years

Borrow between £1k and £50k. £1,000-£7,499 repay over 1-5 years, £7,500-£50,000 repay over 1-8 years. Home improvement loans of £7,500 or more can be repaid over 1-10 years.

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NatWest Personal Loan Ex/C

Loan amount
Up to £50,000
Representative APR
3.9% APR (£7,500 to £25,000)
Loan Duration
Up to 7 Years

Borrow between £1k and £50k. £1,000-£7,499 repay over 1-5 years, £7,500-£50,000 repay over 1-8 years. Home improvement loans of £7,500 or more can be repaid over 1-10 years.

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AA Personal Loan

Loan amount
up to £25,000
Representative APR
3.1% APR (£7,500 to £15,000)
Loan Duration
Up to 7 Years
Representative Example: The representative rate is 3.3% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 3.3% p.a (fixed) you will repay £135.60 per month & £8,136.00 in total.
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HSBC Personal Loan

Loan amount
Up to £25,000
Representative APR
3.3% APR (£7,000 to £15,000)
Loan Duration
Up to 8 Years

Spread your repayments over one to five years for Personal Loans of £15,000 and less, or over one to eight years for Personal Loans of over £15,000.

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What type of loan is right for me? 

There are many occasions in life that lead to you needing to borrow money. A little financial help to buy that big ticket item or fund a home improvement project can go a long way. 

Choosing the right loan will make it easier to manage and cheaper to pay back, so it’s important to gain a full understanding of the different types available. 

There are two main types of loan: unsecured loans and secured loans. With unsecured loans, you borrow the money and pay it back over the agreed term. They are less risky as you don’t use your personal belongings as part of your application. You can use the money that you borrow from an unsecured loan for almost anything you choose. The amount you are able to borrow on an unsecured loan tends to be £25,000 or less so this type of loan won’t be appropriate if you need to borrow more. 

On the other hand, secured loans use your personal belongings as security on your loan. Usually, this would be something of considerable monetary value such as your home, vehicle or piece of jewelry. This method is much riskier for you but less of a risk to the lender as it allows them to sell your personal belongings if you can’t pay back your loan. Unlike unsecured loans, they are likely to apply restrictions as to what the money is used for. You can borrow up to £250 million with a secured loan so they are a better option if you’re in need of a higher amount.

FAQs about loans

What is a loan?

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Why might I need a loan?

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What can I use the loan for?

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How long will it take to get the money?

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Can I get a loan if I have a bad credit history?

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How long can I have to pay back the loan?

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What will happen if I can’t pay back the loan?

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