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Loans

Compare Loans: Personal Loans, Secured Loans, Consolidation Loans & Car Loans.

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Within 12 months, have you (or 2nd applicant) missed loan/mortgage repayments, been declared bankruptcy or had a CCJ or IVA? If yes - we can still help. Yes No
• An IVA is an Individual Voluntary Arrangement, this is an arrangement that allows someone who is unable to pay their debts to continue in business so they can pay off the debts without being made bankrupt.
• A CCJ is a County Court Judgement, this could be issued against you if you owe someone money and have been unable to pay.

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Failing to adhere to repayment terms may result in penalty charges and affect your credit history. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Loan Comparison Table:

This is an independent comparison service provided by BeatThatQuote.com

Lender	APR	APR Representative	Min Loan Amount	Max Loan Amount	Loan Type	Notes	Action
Lender	APR	APR Representative	Min Loan Amount	Max Loan Amount	Loan Type	Notes	Action	Sainsbury's Loans Rate available to Sainsbury's shoppers with a Nectar card	6.1%	6.1% APR Representative	£7,500	£15,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to those aged over 18 with a permanent UK address and a bank or building society account. Loan repayable over 12 to 84 months.
Representative Example: 6.1% APR Representative. Borrowing £10,000 over 62 months at 6.1%, you will pay £194.94 monthly, totalling £11,696.40.
HSBC Personal Loans Available to existing customers only. Sale ends 29/02/2012	6.2%	6.2% APR Representative	£7,000	£15,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to existing HSBC current account holders aged at least 18. UK residents only. Repayment term 1 - 5 years.
	Representative Example: 6.2% APR Representative. Borrowing £10,000 over 12 months at 6.2%, you will pay £860.80 monthly, totalling £10,329.65.
Alliance & Leicester Personal Loans ONLINE EXCLUSIVE. Available to new and existing customers	6.3%	6.3% APR Representative	£7,500	£14,950	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged 21 and over with a bank or building society account. Repayment period 12 - 60 months. Alliance & Leicester Personal Loans are provided by Santander UK plc.
	Representative Example: 6.3% APR Representative. Borrowing £10,000 over 60 months at 6.3%, you will pay £193.91 monthly, totalling £11,634.60.
Nationwide Personal Loans Available to both new and existing customers	6.4%	6.4% APR Representative	£7,500	£14,999	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to those aged 18 or over. Loan repayable over 1 to 5 years.
	Representative Example: 6.4% APR Representative. Borrowing £10,000 over 49 months at 6.4%, you will pay £231.62 monthly, totalling £11,349.38.
Santander Personal Loans Available to both new and existing customers	6.9%	6.9% APR Representative	£7,500	£14,950	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged at least 21 years, with a bank or building society account. No County Court Judgments or bankruptcy. Repayment term 12 - 60 months.
	Representative Example: 6.9% APR Representative. Borrowing £10,000 over 60 months at 6.9%, you will pay £196.56 monthly, totalling £11,793.60.
Sainsbury's Shopper Reward Loans Rate available to Sainsbury's shoppers with a Nectar card	6.9%	6.9% APR Representative	£7,500	£15,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info £100 Sainsbury's gift card plus double nectar points on Sainsbury’s shopping and fuel for two years. Repayment period 12 - 62 months. Must have had a residential address for the last three years in order to apply.
	Representative Example: 6.9% APR Representative. Borrowing £10,000 over 62 months at 6.9%, you will pay £198.76 monthly, totalling £11,925.60.
Zopa Loans Borrow £1000 - £15000 with no fees for early repayment	7.2%	7.2% APR Representative	£1,000	£15,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Zopa is a peer-to-peer lending service. Loan repayment term 36 - 60 months.
	Representative Example: 7.2% APR Representative. Borrowing £5,000 over 36 months at 7.2%, with an arrangement fee of £120.00, you will pay £154.35 monthly, totalling £5,556.45.
Rate Setter Loans Instant quote. Funds next day. No redemption fee	7.7%	7.7% APR Representative	£1,500	£15,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to those aged at least 24 with a good credit history and a regular income. Loan repayments over 1 to 24 months. No impact on credit file. No early redemption charge.
	Representative Example: 7.7% APR Representative. Borrowing £10,000 over 12 months at 7.7%, with an arrangement fee of £60.00, you will pay £867.20 monthly, totalling £10,406.45.
Nationwide Personal Loans Available to both new and existing customers	7.9%	7.9% APR Representative	£15,000	£20,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to those aged 18 or over. Loan repayable over 1 to 5 years.
	Representative Example: 7.9% APR Representative. Borrowing £17,000 over 54 months at 7.9%, you will pay £372.92 monthly, totalling £20,137.68.
AA Personal Finance Loans Loans provided by The Co-operative Bank Plc	7.9%	7.9% APR Representative	£7,500	£14,950	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged between 23 and 69 with a minimum income of £10,000 per annum. Repayment term 1 - 7 years.
	Representative Example: 7.9% APR Representative. Borrowing £10,000 over 42 months at 7.9%, you will pay £272.04 monthly, totalling £11,425.71.
Sainsbury's Loans Rate available to Sainsbury's shoppers with a Nectar card	7.9%	7.9% APR Representative	£5,000	£7,499	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to those aged over 18 with a permanent UK address and a bank or building society account. Loan repayable over 12 to 84 months.
	Representative Example: 7.9% APR Representative. Borrowing £5,000 over 62 months at 7.9%, you will pay £101.77 monthly, totalling £6,106.20.
Credit Plus Loans Compare over 30 car finance lenders	7.9%	7.9% APR Representative	£3,000	£120,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info You must be a UK resident. Instant decision online. Repayment term 12-60 months. All circumstances considered.
Credit Plus Loans Compare over 30 car finance lenders	Representative Example: 7.9% APR Representative. Borrowing £10,000 over 60 months at 7.9%, you will pay £200.83 monthly, totalling £12,050.00.
CarLoan4U.co.uk Loans Rate available to new and existing car loans customers	8.0%	8.0% APR Representative	£3,000	£50,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Car Loan 4u provides finance for all vehicles, bikes, vans and cars. Available to people aged 18 - 75. Loan repayment term 12 - 60 months.
	Representative Example: 8.0% APR Representative. Borrowing £7,500 over 60 months at 7.99%, you will pay £149.97 monthly, totalling £8,998.13.
Alliance & Leicester Personal Loans ONLINE EXCLUSIVE. Available to new and existing customers	8.0%	8.0% APR Representative	£15,000	£20,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged 21 and over with a bank or building society account. Repayment period 12 - 60 months. Alliance & Leicester Personal Loans are provided by Santander UK plc.
	Representative Example: 8.0% APR Representative. Borrowing £16,000 over 60 months at 8%, you will pay £322.29 monthly, totalling £19,337.40.
Alliance & Leicester Personal Loans ONLINE EXCLUSIVE. Available to new and existing customers	8.0%	8.0% APR Representative	£5,000	£7,450	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged 21 and over with a bank or building society account. Repayment period 12 - 60 months. Alliance & Leicester Personal Loans are provided by Santander UK plc.
	Representative Example: 8.0% APR Representative. Borrowing £6,000 over 36 months at 8%, you will pay £187.25 monthly, totalling £6,741.00.
Sainsbury's Loans Rate available to Sainsbury's shoppers with a Nectar card	8.1%	8.1% APR Representative	£15,001	£25,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to those aged over 18 with a permanent UK address and a bank or building society account. Loan repayable over 12 to 84 months.
	Representative Example: 8.1% APR Representative. Borrowing £20,000 over 62 months at 8.1%, you will pay £409.41 monthly, totalling £24,564.60.
Rate Setter Loans Instant quote. Funds next day. No redemption fee	8.7%	8.7% APR Representative	£1,500	£15,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to those aged at least 24 with a good credit history and a regular income. Loan repayments over 36 months. No impact on credit file. No early redemption charge.
	Representative Example: 8.7% APR Representative. Borrowing £10,000 over 36 months at 8.7%, with an arrangement fee of £120.00, you will pay £315.24 monthly, totalling £11,349.77.
Sainsbury's Shopper Reward Loans Rate available to Sainsbury's shoppers with a Nectar card	8.7%	8.7% APR Representative	£5,000	£7,499	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info £25 Sainsbury's gift card plus double nectar points on Sainsbury’s shopping and fuel for two years. Repayment period 12 - 62 months. Must have had a residential address for the last three years in order to apply.
	Representative Example: 8.7% APR Representative. Borrowing £5,000 over 62 months at 8.7%, you will pay £103.70 monthly, totalling £6,222.00.
Sainsbury's Shopper Reward Loans Rate available to Sainsbury's shoppers with a Nectar card	8.8%	8.8% APR Representative	£15,001	£25,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info £25 Sainsbury's gift card plus double nectar points on Sainsbury’s shopping and fuel for two years. Repayment period 12 - 62 months. Must have had a residential address for the last three years in order to apply.
	Representative Example: 8.8% APR Representative. Borrowing £20,000 over 62 months at 8.8%, you will pay £416.17 monthly, totalling £24,970.20.
AA Personal Finance Loans Loans provided by The Co-operative Bank Plc	8.9%	8.9% APR Representative	£15,000	£25,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged between 23 and 69 with a minimum income of £10,000 per annum. Repayment term 1 - 7 years.
	Representative Example: 8.9% APR Representative. Borrowing £17,000 over 42 months at 8.9%, you will pay £469.82 monthly, totalling £19,732.46.
AA Personal Finance Loans Loans provided by The Co-operative Bank Plc	11.9%	11.9% APR Representative	£5,000	£7,450	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged between 23 and 69 with a minimum income of £10,000 per annum. Repayment term 1 - 7 years.
	Representative Example: 11.9% APR Representative. Borrowing £6,000 over 42 months at 11.9%, you will pay £173.62 monthly, totalling £7,291.91.
Credit Plus Loans Compare over 30 car finance lenders	13.2%	13.2% APR Representative	£2,500	£12,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info You must be a UK resident. Instant decision online. Repayment term 12-60 months. All circumstances considered.
Credit Plus Loans Compare over 30 car finance lenders	Representative Example: 13.2% APR Representative. Borrowing £10,000 over 60 months at 13.2%, you will pay £225.00 monthly, totalling £13,500.00.
CarLoan4U.co.uk Loans Rate available to new & existing car loans customers	14.0%	14.0% APR Representative	£3,000	£50,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Car Loan 4u provides finance for all vehicles, bikes, vans and cars. Available to people aged 18 - 75. Loan repayment term 12 - 60 months.
	Representative Example: 14.0% APR Representative. Borrowing £10,000 over 60 months at 13.99%, you will pay £224.96 monthly, totalling £13,497.50.
Santander Personal Loans Available to both new and existing customers	15.9%	15.9% APR Representative	£3,000	£4,950	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged at least 21 years, with a bank or building society account. No County Court Judgments or bankruptcy. Repayment term 12 - 60 months.
	Representative Example: 15.9% APR Representative. Borrowing £4,000 over 36 months at 15.9%, you will pay £138.36 monthly, totalling £4,980.96.
Alliance & Leicester Personal Loans ONLINE EXCLUSIVE. Available to new and existing customers	18.9%	18.9% APR Representative	£1,000	£2,950	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged 21 and over with a bank or building society account. Repayment period 12 - 60 months. Alliance & Leicester Personal Loans are provided by Santander UK plc.
	Representative Example: 18.9% APR Representative. Borrowing £2,000 over 24 months at 18.9%, you will pay £99.30 monthly, totalling £2,383.20.
Santander Personal Loans Available to both new and existing customers	18.9%	18.9% APR Representative	£1,000	£2,950	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged at least 21 years, with a bank or building society account. No County Court Judgments or bankruptcy. Repayment term 12 - 60 months.
	Representative Example: 18.9% APR Representative. Borrowing £2,000 over 24 months at 18.9%, you will pay £99.30 monthly, totalling £2,383.20.
AA Personal Finance Loans Loans provided by The Co-operative Bank Plc	18.9%	18.9% APR Representative	£2,000	£2,950	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged between 23 and 69 with a minimum income of £10,000 per annum. Repayment term 1 - 7 years.
	Representative Example: 18.9% APR Representative. Borrowing £2,200 over 42 months at 18.9%, you will pay £70.35 monthly, totalling £2,954.64.
Everyday Personal Loans Personal and homeowner loans available	50.5%	50.5% APR Representative	£500	£10,000	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged 18 to 65. Must be employed and have a net monthly income of over £700. Repayment term 13 to 60 months. No upfront fees and all personal circumstances considered.
	Representative Example: 50.5% APR Representative. Borrowing £3,000 over 3 years at 50.5%, with an arrangement fee of £162.00, you will pay £147.12 monthly, totalling £5,458.00.
Everyday Personal Loans Personal and homeowner loans available	60.1%	60.1% APR Representative	£500	£7,500	A personal loan or unsecured loan is available to tenants and homeowners and is not secured against a property	more info Available to UK residents aged 18 to 65. Must be employed and have a net monthly income of over £700. Repayment term 13 to 60 months. No upfront fees and all personal circumstances considered.
	Representative Example: 60.1% APR Representative. Borrowing £3,000 over 3 years at 60.1%, with an arrangement fee of £150.00, you will pay £158.66 monthly, totalling £5,862.00.

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Please note the rates and products displayed are updated regularly. However, due to market fluctuations some details may be out of date. We do not take any responsibility for the accuracy of the information although we will always do our best to ensure the material is up to date. Please check rates with the provider before committing to a product. Remember, alternative deals may be available in the market. Rates may depend upon your individual circumstances.

Personal Loans

A personal loan also known as an unsecured loan is available as an unsecured home owner loan or tenant loan. You can usually borrow up to £25,000 which can be repaid up to a 10 year period.

Secured Loans

A secured loan also known as a homeowner loan or home loan is a loan secured against your property. It offers higher loan amounts than a personal loan, usually up to £100,000, and can be repaid up to a period of 25 years.

Home Owner Loans

A homeowner loan or home loans can be either a personal loan or secured loan that is only available to home owners. Usually these loans have a lower APR.

Consolidation Loans

A consolidation loan or debt consolidation loan is one which allows you to consolidate your existing debts (such as loans, credit cards and store cards) into one monthly payment usually because you can reduce the total amount you pay each month and simplify your finances.

Bad Credit Loan

A bad credit loan or adverse credit loan is a loan available to those with a poor credit rating. Your credit rating may be affected because you have CCJs or have defaulted on repayment of other credit such as a mortgage or credit card.

Car Loans

Car loan or car finance is a loan used to purchase a new or used car. A personal loan used to finance your new car can be cheaper than obtaining finance thorough your car dealer.

How to find the Best Loans for You

To find a cheap loan or the best loan for you ensure that you shop around. If you apply to one lender they may decline you for their best rate and suggest you tackle a higher APR than initially stated. You should try other lenders rather than just accept that rate.

Payday Loans

A payday loan or cash loan is a very short term loan usually repayable over a short period of time.

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