Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Scores based on editorial review methodology
Best for: People locked out of mainstream lending who need a small emergency sum quickly.
APR
99.9–1333.0%
Amount
£50–£1.5k
Term
3–6mo
Speed
Minutes
This is high-cost credit — only consider it as a genuine last resort when you've exhausted all other options including credit unions.
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Best for: People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.
APR
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Amount
—
Term
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Straightforward credit builder with predictable costs — good for rebuilding your score, not for cheap borrowing.
Check rates→Best for: Rate-conscious BTL landlords wanting the lowest possible fixed rates
APR
3.47%
Amount
—
Term
—
Vida consistently tops the best-rate charts for BTL mortgages. If you're shopping on rate alone, Vida should be at the top of your list — their 3-year fixed from 3.47% is market-leading.
Check rates→Best for: HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.
APR
3.3–21.9%
Amount
£1k–£30k
Term
—
A reliable high-street option with a competitive 6.5% representative APR and the ability to extend terms up to 96 months on larger loans, giving more breathing room on monthly payments.
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Best for: Best suited for UK residents looking for competitive rates on car loans with access to various lenders.
APR
8.9–49.9%
Amount
£1k–£75k
Term
24–60mo
Speed
Decision in 60 seconds
Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.
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Best for: People who might want to pay off their loan early without facing exit fees.
APR
5.5–19.9%
Amount
£1k–£50k
Term
12–60mo
Speed
Minutes
No-fuss loan with genuinely free early repayment. Competitive middle-of-the-road rates that won't surprise you.
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Best for: These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.
APR
18.0–49.9%
Amount
£1k–£500k
Term
1–24mo
iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.
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Best for: Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.
APR
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Amount
—
Term
—
The gold standard for UK credit building — save money and build your score simultaneously.
Check rates→Best for: Professional landlords and portfolio investors needing a lender that can scale from small BTL to multi-million pound portfolios
APR
4.79%
Amount
—
Term
—
One of the UK's leading specialist BTL lenders with genuine scale — they can handle anything from a single flat to a £50m portfolio, with multiple award wins to back it up.
Check rates→Best for: Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.
APR
3.9–29.9%
Amount
£1k–£50k
Term
—
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.
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Best for: Best for individuals seeking a reliable motor finance lender with a wide dealer network and competitive rates.
APR
5.9–24.9%
Amount
£4k–£75k
Term
12–60mo
Speed
Same day decision
MotoNovo Finance is a solid choice for those looking for flexible car finance options with quick approvals.
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Best for: Existing Santander 1-2-3 World customers who want to keep banking under one roof.
APR
5.3–21.9%
Amount
£1k–£25k
Term
12–60mo
Speed
Same day
Decent rates, especially if you already have a 1-2-3 current account. Otherwise nothing remarkable compared to the Big Four.
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Best for: It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
APR
6.9–29.9%
Amount
£10k–£500k
Term
72–72mo
Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.
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Best for: Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.
APR
—
Amount
—
Term
—
Set-and-forget credit builder for renters — low cost, low effort, meaningful impact on thin credit files.
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Best for: Landlords with complex income or non-standard properties who struggle with mainstream lender criteria.
APR
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Amount
—
Term
—
Strong choice for landlords with complex circumstances — flexible criteria where high street lenders decline.
Check rates→Best for: Borrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.
APR
3.9–29.9%
Amount
£1k–£50k
Term
—
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.
Check rates→Best for: Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.
APR
12.9–69.9%
Amount
£3k–£25k
Term
24–60mo
Speed
Same day decision
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.
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Best for: Borrowers who want a trusted brand with one of the lowest starting APRs on the market.
APR
3.9–24.9%
Amount
£1k–£50k
Term
12–60mo
Speed
Minutes
Very similar to Lloyds (same parent group) with equally competitive top-line rates. Reliable choice with no surprises.
Check rates→Best for: Landlords wanting a reliable BTL specialist with fast turnaround times and Starling Bank backing
APR
—
Amount
—
Term
—
A trusted BTL-only lender backed by Starling Bank, known for consistent decision-making and deep market knowledge. Strong choice for straightforward to moderately complex BTL cases.
Check rates→Best for: Existing Barclays customers who want a seamless in-app experience with the flexibility to top up borrowing later.
APR
4.9–29.9%
Amount
£1k–£25k
Term
—
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.
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