Free loan eligibility checker

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Proposed loan (low-high)Proposed loan (high-low)Total payable (low-high)Total payable (high-low)Monthly repayment (low-high)Monthly repayment (high-low)APR (low-high)APR (high-low)Chance of approval (low-high)Chance of approval (high-low)

Product	Proposed loan	Total payable	Monthly repayment	APR	Chance of approval	Link
118 118 Money								loading Fetching your data...
Finio Loans Personal Loan								loading Fetching your data...
Fluro								loading Fetching your data...
Guarantor My Loan								loading Fetching your data...
My Community Finance								loading Fetching your data...
Norton Homeowner Loan (broker)								loading Fetching your data...
Oakbrook Loans Personal Loan								loading Fetching your data...
Reevo Money Personal Loans								loading Fetching your data...
Shawbrook Bank								loading Fetching your data...

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Have you considered a 0% purchase credit card?

These cards offer an introductory period where you’re not charged any interest at all. Clear your debt before that period expires and your borrowing won’t have cost you a penny (although some cards do come with a monthly or annual fee).

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Finder Score (low-high)Finder Score (high-low)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Representative APR (low-high)Representative APR (high-low)

Product	Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Key benefit	Representative example
M&S Bank Credit Card Purchase Plus Offer	Finder score 9.9Excellent	0% for 24 months reverting to 24.9%	0% for 12 months (3.49% fee)	£0	24.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibilityCard details Compare	loading Fetching your data...
Barclaycard Platinum 20 Month BT and 23 Month Purchase Card	Finder score 8.1Great	0% for 24 months reverting to 24.9%	0% for 21 months (2.95% fee)	£0	24.9% APR (variable)		Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Card details Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard Finder Award	Finder score 6.8Standard	0% for 24 months reverting to 19.94%	21.81% (3.99% fee)	£7.99 per month	37.7% APR (variable)	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	Card details Compare	loading Fetching your data...

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Have you considered a credit card?

If you’re looking to make a large purchase but don’t have the cash to pay for it upfront, you might be considering borrowing the funds. Depending on the purchase you need to make, you could use either a personal loan or a credit card.

A credit card will generally be the better choice for regular spending or if you are borrowing smaller amounts. Credit cards can also be a good option if you want to have some flexibility over repaying the debt.

Use our guide to see how credit cards and loans work so you can decide what’s right for you.

Find out which cards you're eligible for

• Check a range of cards in minutes
• No impact on your credit score
• One fast and simple form

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Improve your credit history with LOQBOX

• Gain the financial know-how you always wished for
• Build and improve your credit history*
• Achieve your money goals

*Improvements to your credit score are not guaranteed. Missing payments to Loqbox or other credit accounts may harm your score.

Check eligibility

Improve your credit history with LOQBOX

• Gain the financial know-how you always wished for
• Build and improve your credit history*
• Achieve your money goals

*Improvements to your credit score are not guaranteed. Missing payments to Loqbox or other credit accounts may harm your score.

Check eligibility

Have you considered hire purchase?

• Get a decision in minutes
• Won't affect your credit score
• No deposit options

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Can’t see what you’re looking for?

Unsecured loans powered by Loans Warehouse

• One simple form to compare lenders
• Good or bad credit histories considered
• Including Santander, HSBC and M&S Bank

• Loans from £1,000 to £50,000
• See your quote before you apply
• Good and bad credit history accepted
• Quote won't affect your credit score

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How do I know if I’ll qualify for a loan?

Lenders assess each would-be borrower on a case-by-case basis. They aren’t always transparent about exactly what they’re looking for, but the good news is that you can use the form above to check your likelihood of approval for multiple lenders in one go.

There are a few standard criteria you’ll need to meet to qualify for any personal loan in the UK from any lender:

• Be at least 18 years old
• Be a UK resident
• Have a regular source of income
• Have a UK bank account

Can I apply for a loan without affecting my credit score?

You can check your eligibility for personal loans with no effect on your credit score. Lenders conduct what is known as a “soft” credit search, which doesn’t affect your score and is only visible in your credit record to you.

This means you check which lenders will say “yes” and even get pre-approved for a loan, without it having any effect on your credit score.

When you’ve chosen a suitable lender and proceed to the actual application, the lender will need to run a full, “hard” credit search. This has a small negative impact on your credit score and will also be visible on your credit file. The negative impact to your credit score is then typically quickly recovered through the first few repayments on the loan.

Can I get a loan with no credit check?

No, you can’t really get a personal loan without having gone through some kind of credit check, but as mentioned above, the soft check that’s carried out when you first check your eligibility with lenders does not affect your credit score.

What do I need to apply for a loan?

When you apply for a loan, the lender will want to confirm a few things before they approve your application. This includes that you are who you say you are, you live at the right address, and you have a legitimate source of income.

When you apply online, this information is generally verified through credit reference agency (CRA) such as Experian, Equifax or TransUnion, depending on the lender. This means you won’t need to provide documents that confirm your identity, but the lender may still request these documents later in the application process.

If you apply in a branch, you’ll need to provide identification documents, including proof of address, proof of income and a recognised form of ID. You can find out more about what you’ll you when applying for a loan in our guide below.

The documents needed when applying for a personal loan

What can I get a personal loan for?

Most lenders will let you use a personal loan for any worthwhile purpose, and this includes things like:

• Home improvements
• Buying a new car
• Paying for a wedding
• Consolidating debt
• Paying for a holiday
• Buying furniture

You’ll generally need to provide the reason for your loan when you apply.

There are some things you won’t be able to get a loan for, including:

• A deposit on a property
• Gambling
• Business purposes
• Share trading or investing

How do I repay my loan?

Once you’ve been approved for a loan, the lender will send you a loan document explaining the details of your loan. This will include your payment schedule, which lays out the size and frequency of your repayments, which will generally be made once each month via direct debit.

You’ll need to continue making these monthly repayments until you’ve paid off the full loan amount, as well as any interest that’s accrued on the loan. Some lenders will let you make additional repayments to help reduce how much interest you pay, and may also let you pay off your loan early.

We compare lenders including: