Unsecured Loans
Online Unsecured Loans

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 a range of personal loans from UK lenders and check your eligibility* without impacting your credit score

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M&S Bank Personal Loan
Representative APR
2.8% APR

Available Amounts
£1,000 to £25,000

Min / Max Terms
1 to 7 years
+ More info
Eligibility Criteria
- Must be over 18
- Must be a UK resident
- Must have an annual income of at least £10,000
Representative Example: Representative APR 2.8%%. Based on a loan of £10,000 over 60 months at an interest of 2.8% p.a. (fixed). Monthly repayments of £178.64. Total amount payable £10,718.40. Maximum APR: 21.0%.
Broker
Post Office Money Personal Loan
Representative APR
8.1% APR

Available Amounts
£1,000 to £25,000

Min / Max Terms
1 to 7 years
+ More info
Eligibility Criteria
- Must be over 21 and no older than 70 when the loan term ends
- Must have been a UK resident for at least 3 years
- 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
Representative Example: Representative APR 8.1%. Based on a loan of £4,000 over 36 months at an interest of 8.1% p.a. (fixed). Monthly repayments of £125. Total amount payable £4,500.09. Maximum APR: 29.9%.
Admiral Personal Loan
Representative APR
9.9% APR

Available Amounts
£1,000 to £25,000

Min / Max Terms
1 to 5 years
+ More info
Eligibility Criteria
- Must be aged between 18 and 75 and won't be over 75 at the end of the loan term
- Must be a permanent resident of England, Wales or Scotland
- Must have lived in the UK for at least three years
- Must have an income of at least £15,000 per year (before tax)
- Must be in employment or retired and have a minimum annual income of £10,000
- Must not have had any County Court Judgements (CCJs) in the last three years
- Must not have been made bankrupt, had any Debt Relief Orders or gone through Individual Voluntary Arrangements in the last six years
- Must own a UK bank account
Representative Example: Representative APR 9.9%. Based on a loan of £10,000 over 60 months at an interest of 9.48% p.a. (fixed). Monthly repayments of £209.91. Total amount repayable before £12,594.60. Maximum APR: 39.9%.
JN Bank Personal Loan
Representative APR
12.9% APR

Available Amounts
£1,000 to £15,000

Min / Max Terms
2 to 5 years
+ More info
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%.
Shawbrook Personal Loan
Representative APR
13.9% APR

Available Amounts
£1,000 to £35,000

Min / Max Terms
1 to 7 years
+ More info
Eligibility Criteria
- Must be aged 25 to 75
- Must have been a permanent resident of the UK for at least 3 years
- Must have an annual income of at least £15,000
- Must have a personal UK bank account
Representative Example: Representative APR 13.9% (fixed). Based on a loan of £10,000 over 60 months at an interest of 13.9% p.a. (fixed). Monthly repayments of £227.97. Total amount payable £13,678.20. Maximum APR: 29.9%.
Peer To Peer
Zopa Personal Loan
Representative APR
15.4% APR

Available Amounts
£1,000 to £25,000

Min / Max Terms
1 to 5 years
+ More info
Eligibility Criteria
- Must be aged 20 or over
- Must be a current UK resident with 1 year of address history in the UK
- Must be employed, self-employed or retired with a pension
- Must have a good track record of repaying debt
Representative Example: Representative APR 15.4%. Based on a loan of £10,000 over 60 months at an interest of 15.4 p.a. (fixed). Monthly repayments of £234.99. Total amount payable £14,099.54. Maximum APR: 34.9%.
Fintern Personal Loan
Representative APR
18.8% APR

Available Amounts
£1,000 to £7,500

Min / Max Terms
1 to 3 years
+ More info
Eligibility Criteria
- Must be aged 18 or over
- Must have at least one UK bank account
- Must not have unresolved defaults or CCJs
Representative Example: Representative APR 18.8%. Based on a loan of £2,000 over 36 months at an interest of 18.8% p.a. (fixed). Monthly repayments of £71.66. Total amount payable £2,579.56. Maximum APR: 18.8%.
My Community Finance Personal Loan
Representative APR
18.85% APR

Available Amounts
£1,500 to £25,000

Min / Max Terms
1 to 5 years
+ More info
Eligibility Criteria
- Must be aged 21 or over
- Must be a Permanent Resident of the UK (excludes NI, Channel Islands, Isle of Man)
- Must earn at least £18,000 from employed or self-employed income
Representative Example: Representative APR 18.85% (fixed). Based on a loan of £6,000 over 48 months at an interest of 18.85% p.a. (fixed). Monthly repayments of £173.64. Total amount payable £8,335. Maximum APR: 39.9%.
KOYO Personal Loan
Representative APR
24.9% APR

Available Amounts
£1,500 to £12,000

Min / Max Terms
6 months to 5 years
+ More info
Eligibility Criteria
- Must be aged 21
- Must be a permanent resident of the UK for at least 6 months
- Must not be bankrupt
- Must not have CCJs or history of bad credit
- Must have a mobile phone
- Must receive a regular income
- Must not be self-employed
Representative Example: Representative APR 24.9%. Based on a loan of £4,000 over 36 months at an interest of 22.44% p.a. (fixed). 35 scheduled monthly payments of £154.59 and a final payment of £154.58. Total amount payable £5,565.23. Maximum APR: 29%.
BetterBorrow Personal Loan
Representative APR
27.1% APR

Available Amounts
£1,000 to £12,000

Min / Max Terms
1 to 5 years
+ More info
Eligibility Criteria
- Must be at least 18 years old
- Must be a UK resident
- Must be employed, self-employed or retired with a pension
- Must have an income of at least £12,000 per year (before tax)
- Must be able to afford the loan
- Must have a bank account registered in your name and to your current address
Representative Example: Representative APR 27.1%. Based on a loan of £5,000 over 42 months at an interest of 27.1% p.a. (fixed). Monthly repayments of £177.68. Total amount payable £7,462.73. Maximum APR: 39.8%.
LiveLend Personal Loan
Representative APR
29.9% APR

Available Amounts
£1,000 to £12,000

Min / Max Terms
1 to 5 years
+ More info
Eligibility Criteria
- Must be 18 years old or over
- Must be a UK resident
- Must be employed, self-employed or retired with a pension
- Must have an income of at least £12,000 per year (before tax)
- Must have a good track record of repaying debt
Representative Example: Representative APR 26.9%. Based on a loan of £5,000 over 42 months at an interest of 29.9% p.a. (fixed). Monthly repayments of £183.74. Total amount payable £7,717.27. Maximum APR: 39.9%.
Oplo Personal Loan

Only available to homeowners
Representative APR
31.6% APR

Available Amounts
£2,000 to £15,000

Min / Max Terms
2 to 6 years
+ More info
Eligibility Criteria
- Must be a homeowner
- Must be aged 21 or over at the start of the loan
- Must be a permanent UK resident
- Must be in permanent paid employment
- Must not be currently bankrupt or in an IVA or debt management arrangement
Representative Example: Representative APR 31.6%. Based on a loan of £6,541 repayable over 46 months at an interest rate of 14.16% pa (fixed). 45 monthly payments of £232.64 and a final payment of £232.50. Total amount payable £10,701.30. This includes an acceptance fee of £395. Maximum APR: 36.9%.
Lifestyle Personal Loan
Representative APR
49.9% APR

Available Amounts
£1,000 to £5,000

Min / Max Terms
1 to 5 years
+ More info
Eligibility Criteria
- Must have enough income to repay the loan and other expenses
- Must not have recent defaults and missed payments
- Must not have exhibited recent signs of problem gambling
- Must not have taken multiple loans in the past few months
Representative Example: Representative APR 49.9%. Based on a loan of £3,000 over 36months at an interest of 49.9% p.a. (fixed). Monthly repayments of £146.37. Total amount payable £5,269.32. Maximum APR: 49.9%.
118 118 Personal Loan
Representative APR
49.9% APR

Available Amounts
£1,000 to £5,000

Min / Max Terms
1 to 3 years
+ More info
Eligibility Criteria
- Must be a UK resident
- Must be aged between 18 and 70 (at start of the loan)
- Must have UK Bank Account and Debit Card
- Monthly net income of at least £1,000
- Must be employed or Self Employed
Representative Example: Representative APR 49.9%. Based on a loan of £2,000 over 24 months at an interest of 41.2% pa (fixed). Monthly repayments of £123.64. Total amount payable £2,967.43. Maximum APR: 79.9%.
Bamboo Personal Loan
Representative APR
59.7% APR

Available Amounts
£1,000 to £8,000

Min / Max Terms
1 to 5 years
+ More info
Eligibility Criteria
- Must be 18 or over
- Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
- Must be able to afford the monthly repayments and not bankrupt
Representative Example: Representative APR 59.7% (fixed). Based on a loan of £3,000 over 30 months at an interest of 47.73% p.a. (fixed). 29 Monthly repayments of £173.02 and a final payment of £172.92. Total amount payable £5,190.50. Maximum APR: 69.9%.
Likely Loans
Representative APR
59.9% APR

Available Amounts
£500 to £5,000

Min / Max Terms
1 to 3 years
+ More info
Eligibility Criteria
- Must be aged 18 or over
- Must be a UK citizen
- Must receive either a salary or pension
- Must not have bankruptcy in the previous 12 months
- Must have some credit history
- Must have an active bank or building society account
Representative Example: Representative APR 59.9% (fixed). Based on a loan of £2,000 over 24 months at an interest of 59.9% p.a. (fixed). Monthly repayments of £131.05. Total amount payable £3,145.20. Maximum APR: 89.9%.
Salad Money Personal Loan

Only available to key workers
Representative APR
69.9% APR

Available Amounts
£500 to £1,000

Min / Max Terms
12 to 18 months
+ More info
Eligibility Criteria
- Must be aged 18 or over
- Must be a key worker in secure employment
- Must have been employed with the same organisation for 3 months+
- Must have earned £1,100+ from your employer every month for the last three months
- Must be paid monthly, rather than weekly
- Must have an online banking account
Representative Example: Representative APR 69.9%. Based on a loan of £1,000 over 17 months at an interest of 54.19% p.a. (fixed). 17 monthly repayments of £82.64 and a final repayment of £26.09. Total amount payable £1,430.97. Maximum APR: 69.9%.
Minty Personal Loan
Representative APR
98.1% APR

Available Amounts
£1,500 to £3,000

Min / Max Terms
2 years
+ More info
Eligibility Criteria
- Must be aged 21 or over
- Must be a UK resident
Representative Example: Representative APR 98.1%. Based on a loan of £2,250 over 24 months at an interest of 44.4% p.a. (fixed). Monthly repayments of £177. Total amount payable £4,248. Maximum APR: 98.1%.
Everyday Loans Personal Loan
Representative APR
99.9% APR

Available Amounts
£1,000 to £15,000

Min / Max Terms
1 to 5 years
+ More info
Eligibility Criteria
- Must be aged 18 or over
- Must earn a minimum of £10,000 per year
- Must not be furloughed or on sick leave
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 £237.75. Total amount payable £5,706. Maximum APR: 299%.

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 fully provided by Monevo. The data you supply is directly submitted to Monevo and is used to retrieve loan quotes from their panel of lenders. By using their loans eligibility service you are agreeing to Monevo’s terms and conditions and privacy policy which can be found at Monevo.co.uk

Monevo.co.uk is a registered Trading Name of Monevo Limited which is an Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number: 723672. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Monevo Limited is registered in England and Wales (Company number 06511345). Registered office: Glasshouse, Alderley Park, Nether Alderley, Cheshire,SK10 4ZE. Licensed by the Information Commissioners Office, (Registration number Z1498441).

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Last updated on 20 January 2022.

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.

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Compare Online Unsecured Loans

M&S Bank Personal Loan

Post Office Money Personal Loan

Admiral Personal Loan

JN Bank Personal Loan

Shawbrook Personal Loan

Zopa Personal Loan

Fintern Personal Loan

My Community Finance Personal Loan

KOYO Personal Loan

BetterBorrow Personal Loan

LiveLend Personal Loan

Oplo Personal Loan

Lifestyle Personal Loan

118 118 Personal Loan

Bamboo Personal Loan

Likely Loans

Salad Money Personal Loan

Minty Personal Loan

Everyday Loans Personal Loan

Award-winning comparisons you can trust

Online Unsecured Loans FAQ

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