Skip to content

£3,000 loans

COMPARE DEALS ON £3,000 LOANS

  • Compare £3k loans from a range of trusted providers

  • Our soft search won't harm your credit score

  • See your personalised chance of being accepted

loans

MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.

Check your eligibility now

Compare loans from 39i lenders, right across the market

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

company logo for Admiral
company logo for Tesco Bank
company logo for sainsburys-110
company logo for novuna
company logo for msbank
company logo for Santander
company logo for mbna

How much will a £3,000 loan cost?

The total cost of your £1,000 loan will depend on the following factors:

  • How long you borrow for – you can specify the term in your application

  • How much interest you’ll pay – this will be set by your lender based on your credit score

Most UK lenders consider £3,000 loans as a ‘small loan’. Compared to larger loans, you can expect to pay a higher interest rate, as small and short-term loans tend to cost more for lenders to provide.

Our loan calculator can help you work out what a small loan might cost.

calculator

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.

  • Loans-Phone-Dial

    Apply with confidence

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

  • Loans-Dial

    Tailored to you

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

  • img-preapproved-LOANS-3v2

    You’re in safe hands

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

Can I get a £3,000 loan with bad credit?

Even if you’ve struggled with debts in the past and have a low credit score, you still may be accepted for a £3,000 loan. But you may be offered:

  • Higher interest rates or APR

  • A smaller loan amount

There are specialist lenders who offer loans to those with a less than perfect credit history. But for a £3,000 loan for poor credit, you’ll typically have to pay higher interest rates.

Representative 29.9% APR

woman checking phone

Why compare loans for £3,000 with MoneySuperMarket

We’re here to help you find the right small loan for your needs

  • search icon

    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 £3,000 loans


  • Protect your credit score

    Good news: when you compare loans with MoneySuperMarket, you don't have to worry about hurting your credit score as we'll only carry out a soft search.

  • icon-search-110

    We’ll browse the market

    We’ll search through loans from a wide range of lenders on the market

What type of loan can I get?

There are different types of loan available when you want to borrow £3,000. These include:

  • 1-One

    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

  • Marker-Number-2-50x50

    Guarantor loans

    You’ll need a friend or family member (guarantor) to be jointly liable for your loan. An option if your credit rating is low 

  • Marker-Number-3-50x50

    Payday loans

    Designed for short-term cash shortages and often known as emergency loans. Tread with caution as rates and fees can be high

How to compare £3,000 loans with MoneySuperMarket

Find the right loan for you and see which rates you’ll be guaranteed to get.

  • icon-savings-110

    Choose your loan

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

  • icon-search-110

    We’ll browse the market

    We’ll search through loans from a wide range of lenders on the market

  • icon-scales-110

    Weigh up your options

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

We're highly rated by real customers

4.9 out of 5240,777 reviews

APR, or your Annual Percentage Rate, takes into account the interest rate you pay, plus any other fees or charges involved in the deal, to give you a more complete picture of what your loan will cost each year.  

When you see a rate advertised as the representative APR, this means the lender is required to offer this rate to at least 51% of applicants – however it doesn’t mean you’re guaranteed to receive this interest rate yourself. 



A ‘soft’ credit search or soft-application is a way of finding out where you stand in terms of getting a loan without leaving a mark on your credit report. It’s a useful way of finding a loan you’ll be eligible for without harming your chances of being accepted. 

Once you’ve been approved for a loan, depending on your lender, you could receive the funds into your bank account very quickly – this could be the next day, for example, or within the next week or two. If you’ve applied by phone or post it may take slightly longer. Things can also take a bit longer if your application or your financial circumstances are more complicated. 

Typically most lenders will allow you to pay off part or all of your loan early, although there may be an early repayment charge. It’s best to check what this charge might be before you apply for the loan – if you think you may want to redeem early.

Missing loan repayments can mean extra charges and interest will be applied by your lender – this could increase your debt burden and it could also have a negative effect on your credit score. If you’re struggling or you know you might not be able to afford your repayments speak to your lender immediately to explain the situation and work out a solution.

It is possible to get a £3,000 loan without a guarantor if you meet the lender’s criteria. But in some cases, if you have a history of bad credit, the interest rates offered may be quite high. A guarantor loan is an option to consider for those who need a loan but have poor credit.

You can search and compare different loan deals on MoneySuperMarket and it will not affect your credit score in any way. But once you make a formal application for any loan in the UK the lender will do a credit check. This is to safeguard that the loan is suitable for you and affordable.

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. 

  • Whip your credit score into shape with Credit Monitor 

  • Super save over and over again with Energy Monitor 

  • 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.