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Explore top personal loan options with rates starting at 3.9%. Find the right fit with clear terms and fast approval times.
Explore why these loans should be your last resort option.
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APR
3.9–24.9%
/yr
Amount
£1k–£50k
Term
12–60mo
Borrowers who want flexibility to overpay and potentially clear the loan early.
APR
5.1–30.5%
/yr
Amount
£500–£25k
Term
3–60mo
Existing Monzo users who want money in their account within minutes, not days.
APR
3.9–24.9%
/yr
Amount
£1k–£50k
Term
12–60mo
Borrowers who want a trusted brand with one of the lowest starting APRs on the market.
APR
4.9–14.9%
/yr
Amount
£1k–£25k
Term
12–120mo
Homeowners with good credit who need substantial financing for property renovations.
APR
8.9–24.9%
/yr
Amount
£500–£5k
Term
3–36mo
Starling customers who need a small, short-term loan with no paperwork.
APR
5.3–21.9%
/yr
Amount
£1k–£25k
Term
12–60mo
Existing Santander 1-2-3 World customers who want to keep banking under one roof.