It's quick and easy
It’s quick and easy to compare loans with us. We show key details upfront, and you can apply in minutes. Some providers even auto-fill your application, so you only enter your details once.
Our best loan rates
Compare our cheapest rates for each of the different loan amounts. Check your eligibility today or use our calculator below to see how much your monthly repayments might be.
Loan Amount | Representative APR* from | Eligibility Checker |
|---|---|---|
£3k - £4,999 | 9.9% (Santander) | |
£5k - £6,999 | 5.9% (Santander) | |
£7k - £7,500 | 6.5% (People's Choice) | |
£7,500 - £15k | 5.7% (M&S Bank) | |
£15,001 - £20k | 5.7% (M&S Bank) |
Accurate on 27 April 2026
*Rates shown are representative rates, which means that at least 51% of those accepted must get this rate but others can be charged more. Actual rate depends on individual financial circumstances.
Compare loans from 53^ providers
We work with a wide range of providers, including the big loan brands, to help you borrow the money you need
Why compare loans with MoneySuperMarket?
It’s simple to compare loans with us, and we’ll show you your chance of being approved for each loan deal.
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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.
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We'll search the market
We have a wide range of leading lenders for you to compare loans from. When searching with us, you can order loans by likelihood of you being accepted to ease any fears of rejection.
What are the different types of loans?
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Unsecured or personal loans
An unsecured loan, or personal loan means you don't need to use something you own as collateral. Lenders use your financial history to decide if you qualify and how much you can borrow - it helps if you have a good credit score and have kept up with debt repayments before.
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Secured or homeowner loans
With a secured loan or homeowner loan, you put up an asset - usually a property that you own or pay the mortgage on - as security. If you don’t keep up with the repayments, the lender can seize the asset – meaning you could lose your home.
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Guarantor loans
Guarantor loans are another option if you have poor or limited credit. They work like a regular loan, except that you need a guarantor when you apply. This is someone (normally a family member) who promises to make your repayments if you miss any.
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Business loans
A business loan can offer an affordable way to borrow funds to help you build your business. With a loan you can spread the repayments over a term that suits you and your business needs.
Can I get a loan with bad credit?
Yes, you can get a loan if you have a bad credit score. There are specialist lenders who specialise in lending money to people with low credit ratings. Having a low credit score doesn't mean you can’t get a loan; however, your options will be more limited than someone with a good credit rating.
Representative 23.3% APR
What is considered a bad credit score?
Because different agencies might have different information on you, or use different scoring criteria, Equifax might give you a higher proportional credit score than TransUnion. Each agency has a different range.
Credit scores by credit reference agency
Credit score | TransUnion | Experian | Equifax |
|---|---|---|---|
Very Poor to Poor | 0 - 565 | 0 - 720 | 0 - 438 |
Fair | 566 - 603 | 721 - 880 | 439 - 530 |
Good | 604 - 627 | 881 - 960 | 531 - 670 |
How can I get a cheaper loan?
Borrow over a longer period
Data from the last 3 months shows that the average APR for a 1-year loan is 21.8%
Improve your credit score
Enhancing your credit score can unlock better loan rates. Our MoneySuperMarket research indicates that registering on the electoral roll can boost your score by an average of 41 points. Additionally, correcting any errors on your credit report and paying bills on time are straightforward ways to improve your credit score.
Increase your income
While this isn’t always an immediate solution, our data shows that borrowers earning £30,000–£39,999 pay an average APR of 19.8%, compared to 22.9% for those earning £20,000–£29,999. If possible, taking on additional work or negotiating a pay rise can improve your chances of securing a better deal.
Compare loan providers
Shopping around and comparing loan options can help you find the most competitive rates. Our loan comparison can provide a clear overview of available deals tailored to your needs and credit profile.
Use our handy loans calculator
Use our handy personal loan calculator tool to find out how much your monthly repayments could be, and how much you can afford to borrow
Loan calculator
Find out what monthly repayments would be, how much you'll pay overall and how much you could borrow.
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Based on the information you supplied, you would be borrowing XXX and repaying the loan in XXX monthly instalments of . The total sum to repay, subject to XXX% APR over the full loan term would be XXX. This assumes there are no extra fees and that your payments are made on time and in full.
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Based on the information you supplied, you could borrow XXX at a monthly repayment rate of to be paid over XXX monthly instalments. Over the full loan term at XXX% APR, the total amount repayable would be XXX. This assumes there are no extra fees and that your payments are made on time and in full.
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The maximum personal loan is £50,000
If you need a larger amount, consider a secured loan, which will allow you to borrow more but uses your home as collateral. Be aware that lenders can sell your house if you fail to keep up with repayments.
Our expert says…
Will the recent base rate cut make loans cheaper?
Lower interest rates may make borrowing cheaper, so if you have any debt, it might be a good time to refinance at a lower rate to reduce your monthly payments and the total amount of interest you pay over the life of the loan.
This is particularly beneficial for those with high-interest debt, as even a small reduction in the interest rate can lead to significant savings.
However, it's important to consider the long-term implications of taking on new debt or refinancing existing loans. While lower interest rates can provide immediate financial relief, it's crucial to ensure that you can comfortably manage your loan payments and avoid overextending yourself financially.
Kara Gammell Personal Finance & Insurance Expert
Get clued up on loans with our range of expert guides
If you’re looking for more information about loans, you’ve come to the right place. We have many guides you can read to help you get to grips with loans.
How much do people borrow on average?
The amount you borrow depends on what you're using the loan for - here's what MoneySuperMarket customers borrow, on average, for anything from financing home improvement to taking out a car loan.
How to compare loans with MoneySuperMarket
We’re here to help find the right loan for you, so we’ll tell you which rates you’re guaranteed to get.
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Scams
We’re aware that some fraudsters are trying to use the MoneySuperMarket brand to trick consumers into handing over money or financial details, by offering fake loans with eye-catching interest rates.
The best way to stop these scams is to report them.
If you think you’ve been contacted by a fraudster, please stop all communication with them and report it to Action Fraud.
If it’s someone impersonating MoneySuperMarket, please contact our customer services team
If you're asked to pay an up-front fee for a loan - it's likely to be a scam
Check out our tips on how to keep you and your family safe from scams.
How do I earn SuperSaveClub Rewards with a loan?
SuperSaveClub is our rewards club exclusively for MoneySuperMarket customers – you can find out more about SuperSaveClub here.
When you take out a loan from a selected lender, you’ll be eligible for SuperSaveClub rewards. At the moment, not all lenders are part of our rewards programme. When you search for a loan with us, you’ll be able to see which lenders are part of the programme, as the loans that come with a SuperSaveClub reward will be highlighted in your results.
The lenders who are currently signed up to SuperSaveClub are:
118 118 Money
Abound
Admiral
Asda
Bamboo
Bank of Scotland car finance
Be Savvi
Churchill
Everyday Loans
Finio
Fluro
Halifax car finance
Halifax loans
Hastings Direct
John Lewis Finance
Lendable
Lloyds bank car finance
MBNA
MCF
Monzo
Novuna (SSC only)
Oakbrook
Plata
Reevo
Santander
Shawbrook
Zopa
What information will I need to provide in my loan application?
When applying for a loan or car finance deal, you’ll need to provide personal details such as your name, contact details and address. You’ll also have to let the lender know your employment status and your income. You will also be asked what you need the loan for and how much you’re looking to borrow. You should expect to be asked about any debts and assets you have as well as if you’re a homeowner.
How long can I take out a loan for?
The length of your loan can vary depending on the type of loan you take out and the provider you choose, but it could be anywhere between a year and ten years. Taking out a loan for a longer period of time may reduce your monthly payments, but you may end up paying more for the loan due to interest payments.
How do I know if I’m eligible for a loan?
Different lenders and different types of loans will have varying requirements, but in general whether or not you qualify will depend on your personal details and your credit history. However you can always compare loans on MoneySuperMarket – all you need to do is answer a few questions about the loan you want to take out and you’ll be given a tailored list, which you can sort by interest rates and the likelihood of your application being accepted.
How do I apply for a loan?
You can generally apply for loans by contacting the provider you choose – either by calling through the phone, sending an application form through the post, applying online, or dropping in to their branch (if they have one) to apply in person.
Do I need a good credit rating?
For many loans you’ll need a good credit history to be accepted, but some providers also offer loans designed for people with poor or no credit. For example, you can get guarantor loans where someone else will commit to make your repayments if you can’t.
What is a soft search?
A soft-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.
What if I miss repayments?
Missing repayments can mean you might be fined by your lender, and it could also end any low or zero interest incentives you have. It may even lead to a hike in the interest rate you’ll make future repayments at.
What is an APR?
APR, or your Annual Percentage Rate, is the interest rate at which you pay back money you’ve borrowed. It takes into account the actual interest rate you pay, plus any other fees or charges involved in the deal, to give you a more complete picture of what you loan will cost.
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.
Representative 16.5% APR
Maximum APR 99%
What is a repayment holiday?
A repayment holiday is when you don’t have to make any loan repayments for a certain period of time that you’ve agreed with your lender. They’re generally good for when you’ve had a temporary change of circumstances, such as unemployment, maternity, or unexpected expenditures.
Can I overpay or pay off early?
You’ll normally be able to pay off all or part of your loan early, though some lenders may have an early payment charge.
Does APR rise with interest rate increases?
When the interest rate increases, this can make it more expensive to borrow. When it comes to the loan you’ve taken out, if you’re on a variable interest rate then your APR will reflect your lender’s rate.
So, in short, if interest rates rise and you’re on a variable interest rate with your loan, your APR may go up. However, if you’ve taken out a fixed rate loan then the APR won’t rise when interest rates do.
Lenders
Curious about who’s behind the loans? Take a look at each lender’s page below to learn more:
Reviewed on 8 May 2026 by
Lowest representative APR for loans between £7.5k and £15k. Accurate on 20 April 2026. Subject to credit status.
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the average loan amount from enquirys made on MoneySuperMarket in April 2026 where the purpose of the loan was Home Improvement.
Based on the average loan amount from enquirys made on MoneySuperMarket in April 2026 where the purpose of the loan was Debt.
Based on the average loan amount from enquirys made on MoneySuperMarket in April 2026 where the purpose of the loan was Car.
Based on the average loan amount from enquirys made on MoneySuperMarket in April 2026 where the purpose of the loan was Holiday.
Based on the loan enquirys made on MoneySuperMarket between February 2026 and April 2026.
Based on the loan enquirys made on MoneySuperMarket between February 2026 and April 2026.
Accurate as of 08 May 2026.
