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Browse personal loan providers: A to Z list
A list of popular lenders providing personal loans to UK borrowers.
Most popular personal loan providers in the UK
A list of personal loan providers
If you’re planning a large expenditure like some home improvements, a wedding or a new car, or if you’re looking to simplify existing debt, then an unsecured personal loan could help you. Here are some popular UK lenders that we review and compare.
Z
Halifax
Halifax was founded in 1853 and is now part of the Lloyds Banking Group. It offers personal loans from £1,000 to £25,000 for new and current customers, and existing customers can generally receive approval and funding in as little as 10 minutes.
Zopa
Founded in 2004, Zopa took the lending market by storm being the only lender that offered peer-to-peer (P2P) lending. Since then Zopa has left the P2P market but still offers unsecured personal loans up to £35,000 for 1 year to 7 years. Borrowers will need to be 20 or over and earning at least £12000.00 Per Annum to be eligible for a loan.
Tesco Bank
Tesco Bank is the financial arm of supermarket giant Tesco, and offers personal loans for £1,000 to £35,000, with loan terms from 1-10 years. Tesco Clubcard members may be eligible for discounted interest rates, and borrowers with generally receive their funds within five working days.
Tesco Bank was also the winner of Finder’s 2023 Customer Satisfaction Awards for personal loans.
Sainsbury’s Bank
Sainsbury’s Bank is part of the Sainsbury’s supermarket chain and provides personal loans up to £40,000 for Nectar cardholders, or up to £25,000 for non-cardholders. Nectar cardholders may also be eligible for discounted rates.
Sainsbury’s Bank was also the winner of Finder’s 2023 Customer Satisfaction Awards for personal loans.
Santander
Santander is a Spanish bank and financial services company with a big presence in the UK. To be eligible for a Santander personal loan, borrowers will need to be at least 21 years old and earn at least £6,000 per year. New customers can borrow up to £20,000, and existing customers can borrow up to £25,000.
Santander was also Highly Commended in Finder’s 2023 Customer Satisfaction Awards for personal loans.
M&S Bank
Part of the Marks and Spencer Group, M&S Bank offer personal loans from £1,000 to £15,000 over 1-7 years, or loans from £15,000 to £25,000 with terms of 1-5 years. M&S also offer discounted rates to existing customers, as well as loan repayment deferment options.
HSBC UK
Founded in 1865, HSBC is one of the “Big Four” British banks, and provides personal loans up to £25,000, with loan terms from 1-8 years. Customers will need to be at least 18 years old and earn at least £10,000 per year to be eligible for a loan.
Barclays
Another of the “Big Four” banks, Barclays was founded in 1690, and offers personal loans up to £50,000, with terms between 2 and 5 years. Existing customers can get instant approval, and loans can be funded immediately if it is signed online.
NatWest
NatWest only offers personal loans to existing customers who have had another NatWest product for at least 3-6 months. Customers can borrow up to £50,000, and receive the fund within one business day of approval.
Top personal loans providers for customer satisfaction
We asked the customers of personal loan providers featured in this table whether they’d recommend it to a friend and we’ve ordered the table by the percentage score. Our independent survey was carried out in January 2025. Learn more about how we conducted our research.
| Brand | Logo | Customers who’d recommend | Review | |
|---|---|---|---|---|
Nationwide |  | 93% | Nationwide, the world’s largest building society, provides fast and straightforward fixed-rate loans to members. | |
Shawbrook Bank |  | 93% | Shawbrook is a specialist bank offering an alternative to traditional high-street lenders, working directly with both consumers and through a broker network. | |
The AA |  | 90% | The AA is a broker offering fixed monthly repayments on its loans. It’s not currently taking new customers. | |
Tesco Bank |  | 90% | Tesco Bank offers unsecured personal loans at some very competitive rates. | |
Halifax |  | 90% | Halifax is part of Lloyds Banking Group and offers flexible, fixed rate loans. | |
NatWest |  | 90% | NatWest offers personal loans tailored for existing customers with good or excellent credit. | |
Barclays |  | 90% | Barclays offers unsecured loans to Barclays customers with a range of terms depending on circumstances. | |
Abound (formerly Fintern) |  | 87% | Abound promises to offer competitive, personalised loans that are calculated on your ability to repay and not your credit score. | |
Sainsbury’s Bank |  | 87% | Sainsbury’s Bank offer a range of loans for Nectar card holders. The bank is not currently taking new applications. | |
MBNA |  | 87% | MBNA offers personal loans as a broker, with Lloyds Bank as the lender. | |
HSBC |  | 87% | HSBC offers competitive rates on personal loans and you can overpay without paying an extra fee. | |
Zopa |  | 83% | Zopa was founded in 2004 and offers unsecured loans, which are based on creditworthiness. | |
Virgin Money |  | 83% | Virgin Money launched its first unsecured personal loans in 2020, with instant decisions and quick funding. | |
Santander |  | 83% | Santander offers new and existing customers unsecured personal loans. | |
Monzo |  | 83% | Monzo offers loans with fixed monthly repayments, same-day funding and flexible amounts, all through its app. | |
TSB |  | 80% | TSB offers fixed-rate unsecured loans to both existing and new customers with good credit. | |
Novuna |  | 80% | Novuna offers fixed-rate personal loans with a simple application process and quick payment times. | |
Admiral |  | 80% | Admiral is known for insurance but also provides unsecured loans. | |
RateSetter |  | 77% | RateSetter is a marketplace where people looking to borrow are matched up with those who want to invest. It’s no longer accepting new applications. | |
AIB |  | 77% | AIB differs from some competitors – under its “fairness guarantee”, the rate you’re quoted when you apply will be the one you get. | |
M&S Bank |  | 73% | M&S Bank offers personal loans with competitive rates, and discounts for existing customers of M&S Bank. | |
Lendable |  | 70% | Lendable considers applications from people who don’t have a great credit score. | |
Post Office Money |  | 67% | The Post Office provides competitive loans with instant decisions and next day funding for people with good credit. | |
118 118 Money |  | 64% | 118 118 Money focuses on small loans over short terms – offering with a range of amounts and repayment terms within this. | |
Finio Loans (formerly Likely Loans) |  | 63% | Finio Loans specialises in loans for people who don’t have a great credit history. It’s a sister company of Likely Loans (which no longer accepts applications). |
Comparison of UK lenders
Table: sorted by representative APR, promoted deals first
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Finder Score for unsecured loans
To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyPlease note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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