Compare Online Unsecured Loans

Unsecured loans can be used to borrow up to £50,000 over a number of years and can be applied for online. Compare our range of personal loans from UK lenders and check your eligibility* without impacting your credit score

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18 products found
  • TSB Personal Loan logo

    TSB Personal Loan

    • Representative APR
      2.8% APR
    • Available Amounts
      £7,500 to £25,000
    • Min / Max Terms
      1 to 7 years
  • AA Personal Loan - Breakdown Cover included* logo
    Broker

    AA Personal Loan - Breakdown Cover included*

    • Representative APR
      3.1% APR
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years
  • Post Office Money Personal Loan logo
    Broker

    Post Office Money Personal Loan

    • Representative APR
      3.1% APR
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 7 years
  • Leap Personal Loan logo
    Peer To Peer

    Leap Personal Loan

    • Representative APR
      13.54% APR
    • Available Amounts
      £500 to £15,000
    • Min / Max Terms
      1 to 5 years
  • Shawbrook Personal Loan logo

    Shawbrook Personal Loan

    • Representative APR
      14.9% APR
    • Available Amounts
      £1,000 to £30,000
    • Min / Max Terms
      1 to 7 years
  • Freedom Finance logo
    Broker

    Freedom Finance

    • Representative APR
      15.9% APR
    • Available Amounts
      £500 to £25,000
    • Min / Max Terms
      1 to 7 years
  • My Community Finance Personal Loan logo

    My Community Finance Personal Loan

    • Representative APR
      18.02% APR
    • Available Amounts
      £1,500 to £25,000
    • Min / Max Terms
      1 to 5 years
  • KOYO Personal Loan logo

    KOYO Personal Loan

    • Representative APR
      24.9% APR
    • Available Amounts
      £1,500 to £12,000
    • Min / Max Terms
      1 to 5 years
  • Lendable Personal Loan logo

    Lendable Personal Loan

    • Representative APR
      28.6% APR
    • Available Amounts
      £1,000 to £25,000
    • Min / Max Terms
      1 to 5 years
  • Oplo Personal Loan logo

    Oplo Personal Loan

    • Only available to homeowners
    • Representative APR
      29.6% APR
    • Available Amounts
      £2,000 to £15,000
    • Min / Max Terms
      2 to 6 years
  • Creditspring Loans logo

    Creditspring Loans

    • Representative APR
      43.1% APR
    • Available Amounts
      £500 or £1,000
    • Min / Max Terms
      Up to 12 months
  • Guarantor My Loan logo

    Guarantor My Loan

    • Guarantor
    • Representative APR
      48.9% APR
    • Available Amounts
      £1,000 to £10,000
    • Min / Max Terms
      1 to 5 years
  • 118 118 Personal Loan logo

    118 118 Personal Loan

    • Representative APR
      49.9% APR
    • Available Amounts
      £1,000 to £5,000
    • Min / Max Terms
      1 to 3 years
  • Loans By Mal Personal Loans logo

    Loans By Mal Personal Loans

    • Representative APR
      53.9% APR
    • Available Amounts
      Up to £5,000
    • Min / Max Terms
      9, 12 or 18 months
  • Bamboo Personal Loan logo

    Bamboo Personal Loan

    • Representative APR
      59.7% APR
    • Available Amounts
      £1,000 to £8,000
    • Min / Max Terms
      1 to 5 years
  • Likely Loans Personal Loan logo

    Likely Loans Personal Loan

    • Representative APR
      59.9% APR
    • Available Amounts
      £500 to £5,000
    • Min / Max Terms
      1 to 3 years
  • Salad Money Personal Loan logo

    Salad Money Personal Loan

    • Only available to borrowers employed in public service
    • Representative APR
      69.9% APR
    • Available Amounts
      £500 to £1,000
    • Min / Max Terms
      12 to 18 months
  • Everyday Loans Personal Loan logo

    Everyday Loans Personal Loan

    • Representative APR
      99.9% APR
    • Available Amounts
      £1,000 to £15,000
    • Min / Max Terms
      18 months to 5 years

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 16 November 2021.

Online Unsecured Loans FAQ

What are unsecured loans?

Unsecured loans refer to any type of loan that is not protected by a guarantor, or collateralized against a specific asset such as a property, in the case of failure to meet the terms for repayment.

How do I know an unsecured loan is right for me?

You might wish to apply for an unsecured loan for a number of reasons. For example, if you don't have savings to cover your purchase, not be able to access a sufficient amount of funds through your credit card or you might not own a home to be used as collateral, which would allow you to take out a secured loan.

How much can I borrow with an unsecured loan?

You may wish to borrow a small sum of a few hundred pounds or a larger sum of several thousands. Typically, the upper-limit for most lenders providing unsecured loans is £25,000. For larger amounts, you may need to look at secured loans.

Are non-homeowners eligible for an unsecured loan?

As mentioned, being a homeowner isn't necessary. However, it helps to have a decent credit history. This provides a lender with confidence that you can repay a loan and that you have demonstrated an ability to handle credit responsibly. Poor credit may lead to seek lenders who charge higher rates.

What will the lender need to know about me, to secure an unsecured loan?

You will be required to provide or demonstrate:

  • some form of identity, so it's important you exist on the electoral register
  • a document such as a utility bill, so they can make sure you're a genuine person
  • proof of a steady source of income is also usually required
  • a good credit rating

Is it easy to search online for unsecured loans?

It's markedly easier these days than it used to be to compare different loan types from various lenders online. Unsecured loan providers offer quotes that allow you to determine if you can afford the repayment terms. Lenders may offer a wide range of interest rates too, so you can search online to find the one you think you can most likely afford.

Are there any risks involved?

As you won't have taken the loan out against any specific asset as collateral, the lender won't seize your home in the event you cannot make the necessary repayments. The risk in unsecured loans is if you make fail to meet your repayment schedule.

You may also suffer from various charges for missed payments and your credit record would be damaged. In some cases, debt collectors may also be instructed to retrieve the money from you.

What might happen if I cannot repay my unsecured loan?

Failure to repay will have a significant negative impact on your credit rating, affecting the likelihood of you getting credit in the future. If your provider is forced to try to retrieve the debt through court you may be subject to a County Court Judgement. This will show up on your credit report.

How might lenders differ in what they can offer?

Lenders can offer different kinds of loans but the suitability of those will depend on your personal circumstances, the amount you wish to borrow and for how long.