How do I compare personal loans in the UK?
Links marked * are commercial or go to our partner sites, which share our operator. Third-party companies may pay us commission. How we make money.
In short: Compare total cost over the term including fees, check representative APR limits, use soft eligibility searches first, and match loan term to what you can repay.
Content updated:
Representative APR applies to only 51% of accepted borrowers — your rate may be higher.
Longer terms cut monthly payments but increase total interest.
Arrangement fees added to the loan increase true cost.
See compare personal loans guide and loan repayment calculator.
Primary source: moneyhelper.org.uk/en/everyday-money/credit/personal-loans
Part of our Banking & current accounts
This quick answer sits inside our wider banking & current accounts hub — with sub-guides, calculators and step-by-step explainers on the same topic.
Read the full banking & current accounts guide →