Unsecured Loans
£15,000 Unsecured Loans

Compare £15,000 Unsecured Loans

Compare interest rates and term lengths for £15000 unsecured personal loans. Compare a range of personal loans from UK lenders amd check your eligibility* without impacting your credit score

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11 products found

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TSB Personal Loan
Representative APR
2.8% APR

Available Amounts
£7,500 to £25,000

Min / Max Terms
1 to 7 years

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Eligibility Criteria
- Must be UK resident
- Must be aged 18+
- Subject to status and lending criteria
Representative Example: Representative APR 2.8%. Based on a loan of £7,500 over 60 months at a fixed rate of 2.81% per annum. Monthly repayment of £134.13. Total amount payable £8,047.80. Maximum APR: 39.9%.
Broker
AA Personal Loan - Breakdown Cover included*
Representative APR
3.0% APR

Available Amounts
£1,000 to £25,000

Min / Max Terms
1 to 7 years

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Eligibility Criteria
- Must have been a UK resident for at least 3 years
- Must be over 21 and no older than 70 when the loan term ends
- Must have a regular income above £12,000 a year
- Must have a good credit rating without a history of County Court Judgements or bankruptcy
- Must have a UK based bank account or building society account that can pay direct debits
- Must be able to meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit
- *As an AA loans customer you'll get 12 months Basic Breakdown Cover included at no extra cost, or an add-on if you're already a Member.
Representative Example: Representative 3.0% APR. Based on a loan amount of £10,000 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment £179.51. Total amount repayable £10,770.43. Maximum APR: 20.9%.
Broker
Post Office Money Personal Loan
Representative APR
3.0% APR

Available Amounts
£1,000 to £25,000

Min / Max Terms
1 to 7 years

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Eligibility Criteria
- Must have been a UK resident for at least 3 years
- Must be over 21 and no older than 70 when the loan term ends
- Must have a regular income above £12,000 a year
- Must have a good credit rating without a history of County Court Judgements or bankruptcy
- Must have a UK based bank account or building society account that can pay direct debits
- Must be able to meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit
Representative Example: Representative 3.0% APR. Based on a loan amount of £10,000 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment £179.51. Total amount repayable £10,770.43. Maximum APR: 20.9%.
JN Bank Personal Loans
Representative APR
12.9% APR

Available Amounts
£5,000 to £15,000

Min / Max Terms
2 to 5 years

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Eligibility Criteria
- Must be 21 years of age or older
- Must have been a UK resident for more than 2 years
- Must be employed or self-employed with a minimum monthly income £1,000 after tax
- Must have a UK mobile phone number and an email address
- Must have a UK bank account with a direct debit facility
- Must have no active CCJs, bankruptcies or IVAs
Representative Example: Representative APR 12.9%. Based on a loan of £9,500 over 60 months at an interest of 12.9% p.a. (fixed). Monthly repayments of £212.25. Total amount payable £12,735.00. Maximum APR: 24.9%.
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Leap Personal Loan
Representative APR
13.54% APR

Available Amounts
£500 to £15,000

Min / Max Terms
1 to 5 years

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Eligibility Criteria
- Must be a UK resident
- Must be aged 21 or over at start of loan
- Must have a UK Bank Account
- You must connect to Open Banking to progress with your loan application
- Must have an annual income of at least £25,000
- Must have good repayment history, with no defaults, CCJs or IVAs in the last 3 years
Representative Example: Representative APR 13.54% (fixed). Based on a loan of £10,000 over 3 years at an interest of 12% p.a. (fixed). Monthly repayments of £335.81. Total amount payable £12,089. Maximum APR: 19.39%..
Shawbrook Personal Loan
Representative APR
14.9% APR

Available Amounts
£1,000 to £30,000

Min / Max Terms
1 to 7 years

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Eligibility Criteria
- Must have been a permanent resident of the UK for at least 12 months
- Must be aged 21 or over (at start of the loan)
- Must have a current bank or building society account
- No bankruptcies, CCJ's, or active IVAs
- Must not be unemployed
- Must have a good credit history
- Not available for the following loan purposes: bridging loan, business vehicle, business loan, holiday home, investment, mobile home, property purchase, income tax bill
Representative Example: Representative APR 14.9% (fixed). Based on a loan of £10,000 over 60 months at an interest of 14.9% p.a. (fixed). Monthly repayments of £232.53. Total amount payable £13,951.80. Maximum APR: 29.9%.
Broker
Freedom Finance
Representative APR
15.9% APR

Available Amounts
£500 to £25,000

Min / Max Terms
1 to 7 years

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Eligibility Criteria
- Must be aged 18 years or over
- Must be a UK resident
- Interest rates are dependent on your individual credit score
Representative Example: Representative APR 15.9% (fixed). Based on a loan of £7,500 over 60 months at an interest of 15.9% p.a. (fixed). Monthly repayments of £177.82. Total amount payable £10,669.20. Maximum APR: 249.9%.
My Community Finance Personal Loan
Representative APR
17.15% APR

Available Amounts
£1,500 to £25,000

Min / Max Terms
1 to 5 years

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Eligibility Criteria
- Must be aged 21 or over at the start of the loan
- Must be a Permanent Resident of the UK (excludes NI, Channel Islands, Isle of Man)
- Must have a current bank or building society account
- Must earn at least £18,000 from employed or self-employed income
- No current debt management arrangements, active IVA's, or bankruptcies
Representative Example: Representative APR 17.15% (fixed). Based on a loan of £6,000 over 60 months at an interest of 17.15% p.a. (fixed). Monthly repayments of £145.70. Total amount payable £8,742. Maximum APR: 42.6%.
Lendable Personal Loan
Representative APR
24.5% APR

Available Amounts
£1,000 to £25,000

Min / Max Terms
1 to 5 years

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Eligibility Criteria
- Must be aged between 18-70 (at time of application)
- Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
- Have a net monthly income of £800+
- Must not be unemployed
- Bankruptcies, active CCJs and IVAs not accepted
Representative Example: Representative APR 24.5%. Based on a loan of £7,500 over 36 months at an interest of 19.5% p.a. (fixed). Monthly repayments of £286.84. Total amount payable £10,326.27. This includes £2,386.27 interest and £440 in fees. Maximum APR: 49.9%.
Oplo Personal Loan

Only available to homeowners
Representative APR
26.9% APR

Available Amounts
£2,000 to £15,000

Min / Max Terms
2 to 6 years

Check Eligibility + More info
Eligibility Criteria
- Must be a homeowner
- Must be aged 21 or over at the start of the loan
- Must be a UK resident (excluding the Channel Islands and Isle of Man)
- Must have a current bank account or building society account
- Must be in permanent paid employment
- Must not be currently bankrupt or in an IVA or debt management arrangement
Representative Example: Representative APR 26.9%. Based on a loan of £8,518 repayable over 49 months at an interest rate of 12.48% pa (fixed). 48 monthly payments of £274.60 and a final payment of £274.66. Total amount payable £13,455.46. This includes an acceptance fee of £395. Maximum APR: 40.6%.
Everyday Loans Personal Loan
Representative APR
99.9% APR

Available Amounts
£1,000 to £15,000

Min / Max Terms
18 months to 5 years

Check Eligibility + More info
Eligibility Criteria
- Must be permanent UK Resident for at least 12 months (Not IOM or Channel Islands)
- Must be aged 18 or over (at start of the loan)
- Must have a current Bank or Building Society Account
- No current bankruptcies, CCJ's or IVAs
- Must not be unemployed
Representative Example: Representative APR 99.9% (fixed). Based on a loan of £3,000 over 24 months at an interest of 71.3% p.a. (fixed). Monthly repayments of £238. Total amount payable £5,706. Maximum APR: 249.5%.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Our service is free of charge but we receive commissions from the providers we refer you to. This table is initially ordered by representative APR. You can use the options above the table to order it according to various criteria. You may be offered different rates depending on your personal credit rating.

Our comparison service features a selection of providers from whom we receive commission.

*Eligibility Service:

The loans eligibility service is provided by Freedom Finance. The data you supply and submit is used to retrieve loan quotes from Freedom's panel of lenders. By using their loans eligibility service you are agreeing to Freedom's terms and conditions and privacy policy which can be found at freedomfinance.co.uk

Freedom Finance is a trading style of Freedom Finance Limited who are authorised and regulated by the Financial Conduct Authority. Freedom Finance Limited. Registered Office. Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Registered in England & Wales 06297533. FCA No. 662079. VAT Registration Number 257 0001 44.

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Last updated on 20 January 2022.

£15,000 Unsecured Loans FAQ

What is a £15,000 unsecured loan?

A £15,000 unsecured loan is a loan taken out from a financial provider that does not have to be taken out using collateral as security. Instead it is primarily based on a borrower’s creditworthiness and their ability to pay back the loan over a specific term. A number of lenders offer loan arrangements for £15,000.

How do unsecured loans compare to secured loans?

When taking out a £15,000 unsecured loan, you will notice that you may be required to take out a higher level of interest compared to a secured loan. This is because you are not providing an asset as collateral as security against the loan, such as the equity in your home. Unsecured borrowing can be as high as £50,000, although most commonly offer up to £25,000.

Does the lack of collateral make it riskier?

Having no collateral does entail higher risk for a lender, so a higher interest rate is typically the way your lender compensates for this. When researching lenders, make sure you know what you can afford to pay, so you avoid missing any future payments or being unable to pay what is required of you over the arranged term.

I might need some extra time to pay the unsecured loan back. Is this possible?

Despite higher risk, you are usually given greater flexibility with an unsecured loan, especially with regard to the length of time you wish to pay the loan back over, which is agreed at the outset. You can negotiate this with a lender, to ensure no nasty surprises when it comes to payments. A term loan will fix your repayment plan into monthly instalments, at a pace suited to you. If you need to extend this period, then speak with your lender as soon as possible to see whether your loan can be adjusted. Some lenders might be accommodating while others may be less so.

What happens if I’m unable to meet payments on my £15,000 unsecured loan?

Lenders require commitment and willingness to settle debts, but if you find yourself struggling to meet your repayments on your £15000 loan, it’s important to speak to your loan provider as soon as possible rather than leaving the problem to build up, which could result in serious money problems.

With unsecured loans, as there is no collateral to offset the debt, the lender will look entirely to the borrower to find a method to repay the loan.

Can failure to repay the £15,000 unsecured loan affect my credit rating?

Yes. Late or missed payments can result in your credit rating being damaged – these are known as defaults. If missed payments continue there are various stages the lender will go through to attempt to recoup its loss, which could end up with an application to the courts, who may in turn penalise you with a County Court Judgement. This would show on your credit file for 6 years and significantly restrict your ability to gain any form of credit during that time.

What other consequences can result from failure to repay my £15,000 unsecured loan?

As well as doing damage to your credit rating, failure to repay your £15,000 unsecured loan may result in sequestration or bankruptcy. Your lender might even choose to hand the responsibility of resolving the issue over to a debt collector, who will make contact with you directly to settle the debt.

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Compare £15,000 Unsecured Loans

TSB Personal Loan

AA Personal Loan - Breakdown Cover included*

Post Office Money Personal Loan

JN Bank Personal Loans

Leap Personal Loan

Shawbrook Personal Loan

Freedom Finance

My Community Finance Personal Loan

Lendable Personal Loan

Oplo Personal Loan

Everyday Loans Personal Loan

Award-winning comparisons you can trust

£15,000 Unsecured Loans FAQ

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