Compare, learn, decide

Starling Bank provides a unique app-based personal loan experience with no fees or paperwork, making it ideal for tech-savvy users. However, the requirement for an existing account may limit access for new borrowers.

While Lending Stream provides quick access to funds, the extremely high APRs, reaching up to 1333%, make it an expensive option for long-term borrowing. It's best suited for those in urgent need of cash and with no other alternatives.

Straightforward credit builder with predictable costs — good for rebuilding your score, not for cheap borrowing.

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.

The granddaddy of UK BTL lending — 30 years of experience means they genuinely understand landlords. From your first rental to a thousand-property portfolio, Paragon has seen it all.

Black Horse Car Finance offers a wide range of loan options, making it a strong contender for those looking to finance a vehicle.

Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.

Virgin Money offers competitive personal loans with flexible terms, making them an appealing option for borrowers. However, potential applicants should ensure they meet the credit score requirements.

Set-and-forget credit builder for renters — low cost, low effort, meaningful impact on thin credit files.

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.

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.

Oodle Car Finance offers a straightforward approach to car finance, particularly for those with a decent credit history.

iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.

Everyday Loans offers a viable option for those with less-than-perfect credit seeking personal loans. However, the high APR rates warrant careful consideration.

The gold standard for UK credit building — save money and build your score simultaneously.

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.

This loan provides for homeowners needing access to their equity, but the requirement for an affordability assessment may deter some applicants. It's a valuable option for those looking to consolidate debt or fund home improvements.

Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.

Monzo's personal loan features quick and simple access, with approval typically within minutes. However, the higher APR for smaller loans may deter some borrowers who need more flexibility.

A solid high-street option with competitive rates starting at 3.9% representative APR and generous borrowing limits up to £50,000, backed by one of the UK most established banking brands.