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Best for: Existing Barclays customers who want a straightforward loan with quick approval.
APR
6.1–21.9%
Amount
£1k–£50k
Term
12–60mo
Speed
Minutes
Solid all-rounder from a trusted high-street bank. Best rates reserved for existing customers with strong credit.
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Best for: People who want to check their rate with zero credit score impact before committing.
APR
7.9–45.9%
Amount
£1k–£25k
Term
12–60mo
Speed
Same day
Surprisingly competitive from the insurance giant. The soft-search tool is useful — lets you check your rate without affecting your credit score.
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Best for: Straightforward borrowers who want a no-nonsense loan from a recognised high-street bank.
APR
5.9–24.9%
Amount
£1k–£25k
Term
12–60mo
Speed
Same day
Honest mid-tier option. Nothing flashy, but reliable with decent rates for good credit profiles.
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Best for: Borrowers with excellent credit looking for larger loans (£7k+) at top-tier rates.
APR
3.9–21.9%
Amount
£1k–£25k
Term
12–60mo
Speed
Same day
Among the lowest headline APRs on the market for larger loans. The 3.9% rate is genuinely competitive if you qualify.
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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: Existing Monzo users who want money in their account within minutes, not days.
APR
5.1–30.5%
Amount
£500–£25k
Term
3–60mo
Speed
Instant
The fastest loan experience in the UK — genuinely instant if you're already a Monzo customer. But rates vary wildly based on your in-app credit score.
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