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£10,000 loans

Find the right £10,000 loan for you

  • Compare deals without harming your credit score

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Compare loans from 37 lenders, right across the market1

We do the heavy lifting, so you don't have to. We work with leading providers to help you borrow the money you need.

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1Accurate as of February 2024

Why compare £10,000 loans with MoneySuperMarket

  • It’s quick and easy

    Answer a few questions about yourself and what you need the loan for. We’ll then search the market to bring you the results in seconds.

  • Compare at a glance

    You see the key information upfront straightaway, such as the interest rate and monthly repayment amounts, so you can easily compare £10,000 loans.

  • We're highly rated

    Our straightforward comparison service is highly rated and we're proud we currently have an excellent 4.9/5 star rating on Feefo. Better still, our customers praise the ease of using MoneySuperMarket and  the savings they’ve made.

What can I use a £10,000 loan for?

A £10,000 loan can give you that cash injection you need. With this sum of money, it could help you fund the following:

  • Wedding: Your big day can come with a big price tag. You can use a loan to help fund your wedding 

  • Car: Whether you want the latest model or used car, getting a new set of wheels might set you back a bit. Using loan can help spread the cost of getting the car you want 

  • Home improvement: Refurbishing your house can be pricey so many people use loans for home renovations to help make the costs manageable

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How much will a £10,000 loan cost?

How much your £10,000 loan will cost will depend on a number of different factors including:

  • The loan term: The ‘term’ or length you choose for your loan 

  • The interest you’ll pay: This will be decided by your lender, based on your financial situation and credit rating

Usually, the longer your loan term, the lower your monthly repayments will be – but you’re likely to pay more interest overall, so it can end up being more expensive.  

Want a better idea of how much your loan will cost you? Our loan calculator can help you work out the total cost of your loan by factoring in the interest rate or APR, the loan term and how much you’re looking to borrow.

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With a pre-approved loan, the deal you see is the deal you get

When you apply for a loan, it’s not always clear what deal you’ll be offered or whether you’ll be accepted. But when you’re pre-approved for a loan, you know the deal you see is the deal you’ll get – you’ll know where you stand, with information that will help you make the right choice.

  • Apply with confidence

    When you’re pre-approved, the loan amount, duration and interest rate are all confirmed

  • Tailored to you

    When you know what you’ll be able to borrow and how much it will cost, you can choose a loan that’s right for you 

  • You’re in safe hands

    This helps protect your credit score as you're less likely to be rejected when you apply

What type of loan can I get?

There are different types of loans available - which you can get will depend on your financial situation and your credit score…

  • Unsecured personal loans

    You don’t need to put any assets down as security, but you may need a good credit score to be eligible

  • Secured loans

    You’ll be required to put up a valuable asset – usually your home – as security to get the loan

Can I get a £10,000 with bad credit?

  • If you’ve struggled with debts in the past and have a low credit score it could be more difficult to get a £10,000 loan. But it's not impossible to borrow, even with a poor credit history - just be confident you can afford the repayments. 

  • Specialist lenders offer loans for bad credit - although you may not be able to borrow as much as £10,000 and the interest rate could be high. 

  • Secured loans, where you put down a valuable asset, such as your home, as security, and guarantor loans – where a friend or family member with a better credit score agrees to be liable for the debt if you cannot pay, are both potential options. But you may not be able to borrow large sums.

  • Boost your chances of getting a better loan deal by improving your credit score with our free credit monitor service.

Representative 23.3% APR

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How to apply for a £10k loan with MoneySuperMarket

See personalised deals and find the right loan for you

  • Tell us about yourself

    We’ll need to know a bit about you and your finances. For secured loans, register yourself as a homeowner in the search

  • We’ll browse the market

    We’ll show you loans you’re eligible for from leading providers across the market

  • Weigh up your options

    You’ll be able to sort loans by the overall cost and the likelihood you’ll be accepted

APR stands for annual percentage rate, and it basically means the interest rate at which you’ll pay back the £10,000. It includes the main interest rate of the loan, but also takes any other fees and charges into account so you get a better picture of the loan’s total cost.

When you see a representative APR advertised on a loan, it means this rate must be offered to at least 51% of applicants – you won’t be guaranteed to get this rate yourself, as this will be based on your personal circumstances.

A soft search is how we find out where you stand in terms of getting a loan without affecting your credit report, so you can 
find a loan you’ll be eligible for without damaging your chances of being successful when you apply.

If you miss a repayment on your loan, you risk having to pay a late fee – but you may also lose any low- or zero-interest incentives you have. Your interest rate could even go up for future repayments.

A repayment holiday is when you agree with your lender that you don’t need to make your repayments for a set period of time – which can be useful if you’ve had a change in circumstances. For example, you might benefit from a payment holiday during times of unemployment, maternity or other surprise expenditures. 

You will normally be able to pay all of part of your loan off early, but it may involve an early repayment charge.

If you think you might struggle to make your loan repayments you should contact your lender as soon as possible. 

They may be able to help you figure out an alternative payment plan if you do, but if you don’t you could be penalised for missing your repayments.

Once you’ve been approved for your loan you should receive the funds fairly quickly – but this will depend on the lender, as each will have their own policy. In some cases you could get your loan funds within days.

Your eligibility for a £10,000 loan will depend on the lender’s eligibility requirements. Generally, the better your credit score, the more likely you’ll be accepted for a loan. However, there are specialist lenders out there who lend to people with bad credit. You’ll also usually have to be over 18 to be accepted for a loan.

There might be fees with a £10k loan. The exact amount will vary depending on your lender and the conditions of the loan. Some fees you may encounter include: 

Late Payment Fee: If you don’t make your loan repayments on time, you could face a late payment fee. If you’re experiencing loan repayment difficulty, contact your lender immediately. Late loan repayments can harm your credit score and make borrowing money difficult in the future. 

Early Repayment Fee: You might think paying your loan off early can be a good thing. However, you can incur an early repayment fee if you pay before the agreed upon loan term.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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  • There are always more ways to save with MoneySuperMarket 

So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.