zopa

ZOPA Personal Loan

Monthly Repayment:
£179.25
Total Payable:
£10,754.87
APR Interest Rate:
2.90%

Features:

  • Only takes 3 minutes to find out your rate
  • Apply online (no fiddly paperwork to send through the post)
  • Easy to pay extra towards your loan
  • We don't charge early repayment fees

Requirements:

  • Be at least 20 years old
  • Be a UK resident with at least 3 years of address history
  • Be employed, self-employed or retired with a pension
  • Have an income of at least £12,000 per year (before tax)
  • Be able to afford the loan (in relation to your income and outgoings)
Representative Example: Assumed borrowing of £10,000 over 60 months at a fixed rate of 2.9% per annum would result in a representative rate of 2.9% APR, monthly repayments of £179.25 and a total amount repayable of £10,754.87
post-office

Post Office Money Personal Loan

Monthly Repayment:
£180.37
Total Payable:
£10,822.33
APR Interest Rate:
3.20%

Features:

  • Borrow £1,000 - £25,000 over 1-7 years
  • Check eligibility without affecting your credit rating
  • Instant decision (in most cases)
  • Next day transfer available
  • Overpay without penalties

Requirements:

  • Have been a UK resident for at least 3 years
  • Have a regular income above £12,000 a year. If you are self-employed, you must have been employed for a minimum of 2 years.
  • You are over 21 and no older than 70 when the loan term ends
  • Have a good credit rating without a history of County Court Judgment or bankruptcy
  • Have a UK based bank or building society account that can pay direct debits
  • Ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit
Representative Example: Assumed borrowing of £10,000 over 60 months at a fixed rate of 3.2% per annum would result in a representative rate of 3.2% APR, monthly repayments of £180.37 and a total amount repayable of £10,822.33
hsbc

HSBC Personal Loan

Monthly Repayment:
£180.80
Total Payable:
£10,848.30
APR Interest Rate:
3.30%

Features:

  • Instant decision as an HSBC current account customer. Non account customer 2-5 days.
  • HSBC Advance customers could get 10% cashback
  • Make overpayments free of charge
Representative Example: Assumed borrowing of £10,000 over 60 months at a fixed rate of 3.3% per annum would result in a representative rate of 3.3% APR, monthly repayments of £180.80 and a total amount repayable of £10,848.30
rbs

RBS Personal Loan

Monthly Repayment:
£181.25
Total Payable:
£10,875.00
APR Interest Rate:
3.40%

Features:

  • Online decision in minutes
  • Pre-filled application if you bank with RBS online
  • No impact on your credit rating
Representative Example: Assumed borrowing of £10,000 over 60 months at a fixed rate of 3.4% per annum would result in a representative rate of 3.4% APR, monthly repayments of £181.25 and a total amount repayable of £10,875.00
lloydsbank

Lloyds Bank Personal Loan

Monthly Repayment:
£183.41
Total Payable:
£11,004.60
APR Interest Rate:
3.90%

Features:

  • Instant online decision
  • Make additional payments with no charge
  • Personalised quote with no credit footprint
  • Get Deal for up to two repayment holidays a year, subject to approval
Representative Example: Assumed borrowing of £10,000 over 60 months at a fixed rate of 3.9% per annum would result in a representative rate of 3.9% APR, monthly repayments of £183.41 and a total amount repayable of £11,004.60
barclays

Barlcays Personal Loan

Monthly Repayment:
£190.39
Total Payable:
£11,423.40
APR Interest Rate:
5.50%

Features:

  • Personal price quote - with no credit footprint
  • Quick and easy application
  • Price guarantee (conditions apply)
Representative Example: Assumed borrowing of £10,000 over 60 months at a fixed rate of 5.5% per annum would result in a representative rate of 5.5% APR, monthly repayments of £190.39 and a total amount repayable of £11,423.40