Real rates from banks and fintechs. Compared side by side, no affiliate bias.
50+
Lenders Compared
Free
Always free
No Credit Impact
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Halifax
A strong high-street option from the Lloyds Banking Group stable with competitive rates and high borrowing limits. Part of one of the UK largest banking groups.
Black Horse
Black Horse Car Finance offers a wide range of loan options, making it a strong contender for those looking to finance a vehicle.
Novuna Personal Finance
Novuna Personal Finance offers flexible personal loans with competitive rates, ideal for those seeking straightforward borrowing options without penalties for early repayment.
Creditspring
Straightforward credit builder with predictable costs — good for rebuilding your score, not for cheap borrowing.
Lending Stream
Lending Stream provides quick access to cash, with approval in minutes, but the exceptionally high APR of up to 1333% makes it a costly option. It's those with urgent cash needs and limited credit options.
iwoca
iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.
Together Money
A veteran bridging lender with over 50 years in the market. Together's common-sense approach works well for landlords needing renovation finance where mainstream lenders won't lend.
Lloyds Bank
A solid high-street option with competitive rates starting at 3.9% representative APR and generous borrowing limits up to £50,000, backed by one of the UK most established banking brands.
Moneybarn
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.
Novuna (Hitachi)
Strong option for home improvements with competitive rates and longer terms up to 10 years. Well-established in the UK retail finance space.
Loqbox
The gold standard for UK credit building — save money and build your score simultaneously.
Funding Circle
Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.
Roma Finance
Nimble specialist lender best for refurb projects needing speed over price.
Barclays
A convenient option for existing Barclays customers with a smooth in-app application, early repayment at any time, and the unique top-up feature for additional borrowing.
Close Brothers Motor Finance
Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.
Virgin Money
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.
Wollit
Set-and-forget credit builder for renters — low cost, low effort, meaningful impact on thin credit files.
Aldermore
A strong challenger bank that prides itself on finding ways to say yes. Aldermore's specialist BTL products work well for landlords who don't fit mainstream criteria.
NatWest
One of the most competitive high-street options with a low representative APR of 3.9% and the highest maximum loan amount at £50,000.
Zuto
Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.