Lending Stream Short-Term Loan
Lending Stream
- Representative APR
- 99.9–1333.0%
- Amount
- £50–£1.5k
- Term
- 3–6 mo
Best for: People locked out of mainstream lending who need a small emergency sum quickly.
Compare personal loans
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
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Funding Circle Business Loans
Funding Circle
- Representative APR
- 6.9–29.9%
- Amount
- £10k–£500k
- Term
- 72–72 mo
Best for: It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
Sainsbury's Bank Personal Loans
Sainsbury's Bank
- Representative APR
- 5.7–19.9%
- Amount
- £1k–£40k
- Term
- 12–60 mo
Best for: Ideal for existing Nectar cardholders looking to earn rewards while securing a loan.
MotoNovo Finance
MotoNovo Finance
- Representative APR
- 5.9–24.9%
- Amount
- £4k–£75k
- Term
- 12–60 mo
Best for: Best for individuals seeking a reliable motor finance lender with a wide dealer network and competitive rates.
Hitachi Personal Finance Home Improvement Loan
Novuna (Hitachi)
- Representative APR
- 4.9–14.9%
- Amount
- £1k–£25k
- Term
- 12–120 mo
Best for: UK homeowners with good credit who seek to finance home improvement projects between £1,000 and £25,000.
iwoca Business Loans
iwoca
- Representative APR
- 18.0–49.9%
- Amount
- £1k–£500k
- Term
- 1–24 mo
Best for: These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.
Post Office Personal Loan
Post Office
- Representative APR
- 5.6–19.9%
- Amount
- £1k–£25k
- Term
- 12–60 mo
Best for: Borrowers who want a competitive rate from a trusted (if unexpected) brand.
CarFinance 247
CarFinance 247
- Representative APR
- 8.9–47.0%
- Amount
- £1k–£50k
- Term
- 12–60 mo
Best for: This service is best for those who need fast financing for a vehicle and have a clear repayment plan.
Tide Business Loans
Tide
- Representative APR
- 9.9%
- Amount
- £2k–£150k
- Term
- 1–36 mo
Best for: Best for small businesses seeking fast access to capital.
Lloyds Bank Personal Loan
Lloyds Bank
- Representative APR
- 3.9–24.9%
- Amount
- £1k–£50k
- Term
- 12–60 mo
Best for: Borrowers who want flexibility to overpay and potentially clear the loan early.
Black Horse Car Finance
Black Horse
- Representative APR
- 4.9–19.9%
- Amount
- £4k–£100k
- Term
- 12–60 mo
Best for: It's ideal for UK residents seeking flexible car finance options with quick dealership approvals.
NatWest Personal Loan
NatWest
- Representative APR
- 5.5–19.9%
- Amount
- £1k–£50k
- Term
- 12–60 mo
Best for: People who might want to pay off their loan early without facing exit fees.
Close Brothers Motor Finance
Close Brothers Motor Finance
- Representative APR
- 5.9–24.9%
- Amount
- £4k–£100k
- Term
- 12–60 mo
Best for: This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.
Nationwide Personal Loan
Nationwide
- Representative APR
- 5.5–19.9%
- Amount
- £1k–£25k
- Term
- 12–60 mo
Best for: Existing Nationwide members looking for a personal loan with transparent costs and fixed repayments.
Moneybarn Car Finance for Poor Credit
Moneybarn
- Representative APR
- 12.9–69.9%
- Amount
- £3k–£25k
- Term
- 24–60 mo
Best for: Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.
Santander Personal Loan
Santander
- Representative APR
- 5.3–21.9%
- Amount
- £1k–£25k
- Term
- 12–60 mo
Best for: Existing Santander 1-2-3 World customers who want to keep banking under one roof.
Zuto Car Finance
Zuto
- Representative APR
- 8.9–49.9%
- Amount
- £1k–£75k
- Term
- 24–60 mo
Best for: Best suited for UK residents looking for competitive rates on car loans with access to various lenders.
HSBC Personal Loan
HSBC
- Representative APR
- 3.9–21.9%
- Amount
- £1k–£25k
- Term
- 12–60 mo
Best for: Borrowers with excellent credit looking for larger loans (£7k+) at top-tier rates.
Oodle Car Finance
Oodle Car Finance
- Representative APR
- 7.9–29.9%
- Amount
- £3k–£50k
- Term
- 24–60 mo
Best for: This service is ideal for UK residents seeking flexible payment options on used cars, especially those who prefer a soft credit check.
Admiral Personal Loan
Admiral
- Representative APR
- 7.9–45.9%
- Amount
- £1k–£25k
- Term
- 12–60 mo
Best for: People who want to check their rate with zero credit score impact before committing.