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

Getting a quote won't affect your credit score

18 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
3.1% 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 3.1% APR. Based on a loan amount of £10,000 over 60 months at an interest rate of 3.1% p.a. (fixed). Monthly repayment £179.94. Total amount repayable £10,796.37. Maximum APR: 209%.
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

Check Eligibility + More info
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 3.1% APR. Based on a loan amount of £10,000 over 60 months at an interest rate of 3.1% p.a. (fixed). Monthly repayment £179.94. Total amount repayable £10,796.37. Maximum APR: 20.9%.
Peer To Peer
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

Check Eligibility + More info
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
18.02% 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 18.02% (fixed). Based on a loan of £8,000 over 60 months at an interest of 18.02% p.a. (fixed). Monthly repayments of £194.03. Total amount payable £11,641.80. Maximum APR: 42.6%.
KOYO Personal Loan
Representative APR
24.9% APR

Available Amounts
£1,500 to £12,000

Min / Max Terms
1 to 5 years

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Eligibility Criteria
- Must be a permanent resident of the UK for at least 12 months (Not IOM or Channel Islands)
- Must be aged 20 or over (at start of the loan)
- Must have a current bank or building society account
- No current bankruptcies, CCJ's, or active IVAs
- Must not be unemployed
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 £153.97 and a final payment of £153.86. Total amount payable £5,542.81. Maximum APR: 35%.
Lendable Personal Loan
Representative APR
28.6% 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 28.6%. Based on a loan of £7,500 over 36 months at an interest of 23.4% p.a. (fixed). Monthly repayments of £299.86. Total amount payable £10,795.10. This includes £2,855.10 interest and £440 in fees. Maximum APR: 49.9%.
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

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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%.
Creditspring Loans
Representative APR
43.1% APR

Available Amounts
£500 or £1,000

Min / Max Terms
Up to 12 months

Apply Now + More info
Eligibility Criteria
- You must be 18 years of age or older
- You must be employed
- There is a membership fee of £10 per month
Representative Example: Representative APR 43.1%. Based on a loan of £1,000 over 12 months at an interest of 0% p.a. (fixed). The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33 and 12 monthly membership payments of £10. Total amount payable £1,120. Maximum APR: 77.3%.
Guarantor My Loan

Guarantor
Representative APR
48.9% APR

Available Amounts
£1,000 to £10,000

Min / Max Terms
1 to 5 years

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Eligibility Criteria
- Must be aged 21-75
- Must be a UK resident
- Must not be on an active bankruptcy, IVA or equivalent
Representative Example: Representative APR 48.9%. Based on a loan of £4,000 over 36 months at an interest of 26.72% p.a. (fixed). Monthly repayments of £193.56. Total amount payable £6,968.16. This includes £1,246.63 interest and £1,721.53 fees. Maximum APR: 48.9%.
118 118 Personal Loan
Representative APR
49.9% APR

Available Amounts
£1,000 to £5,000

Min / Max Terms
1 to 3 years

Check Eligibility + 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 more than £700
- Must be employed or Self Employed
Representative Example: Representative APR 49.9%. Based on a loan of £1,000 over 24 months at an interest of 41.2% pa (fixed). Monthly repayments of £61.82. Total amount payable £1,483.72. Maximum APR: 79.9%.
Loans By Mal Personal Loans
Representative APR
53.9% APR

Available Amounts
Up to £5,000

Min / Max Terms
9, 12 or 18 months

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Eligibility Criteria
- Must be aged 21 years or over
- Must earn at least £1,300 per month
- You can apply for one month of income
- CCJs and defaults not accepted
Representative Example: Representative APR 53.9%. Based on a loan of £1,800 over 12 months at an interest of 25.9% p.a. (fixed). Monthly repayments of £188.85. Total amount payable £2,266.20. Maximum APR: 92%.
Bamboo Personal Loan
Representative APR
59.7% APR

Available Amounts
£1,000 to £8,000

Min / Max Terms
1 to 5 years

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Eligibility Criteria
- Be aged between 18 - 72 (at time of application)
- Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
- Have a net monthly income of £600+
- Must not be unemployed, a full time student or on benefits
- Must not be currently bankrupt or in an IVA
- No CCJs or defaults in last 12 months
Representative Example: Representative APR 59.7% (fixed). Based on a loan of £2,000 over 24 months at an interest of 47.73% p.a. (fixed). 23 Monthly repayments of £130.87 and a final payment of £130.91. Total amount payable £3,140.92. Maximum APR: 89.9%.
Likely Loans Personal Loan
Representative APR
59.9% APR

Available Amounts
£500 to £5,000

Min / Max Terms
1 to 3 years

Check Eligibility + More info
Eligibility Criteria
- Must live in the UK (excluding the Channel Islands and Isle of Man)
- Must be aged 18 or over at start of loan
- No bankruptcies within last 12 months
- Must have a UK Bank Account and Debit Card
- Can be Tenant or Homeowner
- Must be Employed or Self Employed
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: 89.90%.
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

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Eligibility Criteria
- Must be aged 18 or over
- Must be employed in public service
- 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 18 months at an interest of 54.19% p.a. (fixed). 17 monthly repayments of £82.16 and a final repayment of £26.09. Total amount payable £1,422.81. Maximum APR: 69.9%.
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 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.

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Compare Online Unsecured Loans

TSB Personal Loan

AA Personal Loan - Breakdown Cover included*

Post Office Money Personal Loan

Leap Personal Loan

Shawbrook Personal Loan

Freedom Finance

My Community Finance Personal Loan

KOYO Personal Loan

Lendable Personal Loan

Oplo Personal Loan

Creditspring Loans

Guarantor My Loan

118 118 Personal Loan

Loans By Mal Personal Loans

Bamboo Personal Loan

Likely Loans Personal Loan

Salad Money Personal Loan

Everyday Loans Personal Loan

Award-winning comparisons you can trust

Online Unsecured Loans FAQ

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Unsecured Loans by Amount