Money & Finance

Loans

Compare the best consumer, personal and auto loan providers.

providers

Zopa

One of the UK's original fintech lenders, now a bank

Zopa offers competitive personal loans with a quick eligibility check that won't affect your credit score, plus savings and a credit card under one digital roof.

Soft-search quote with no impact on your credit score
Competitive APRs for good credit profiles
Fast online decision and funding
Fully app-based, FSCS-protected bank

Best for : Borrowers who want a quick, transparent quote without hurting their score

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Tesco Bank

Competitive loans with a Clubcard twist

Tesco Bank regularly features among the cheapest personal loans in the UK, with flexible terms and perks for Clubcard members.

Often among the cheapest APRs on larger loans
Flexible terms and repayment options
Perks for Clubcard members
Trusted, established brand

Best for : Larger loans where a low APR matters most

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Sainsbury's Bank

Competitive personal loans with extra perks for Nectar members

Sainsbury's Bank offers well-priced personal loans, often with preferential rates for Nectar cardholders and a simple online application.

Competitive rates, especially for Nectar members
Clear online application and quick decision
Trusted high-street brand
Good for car finance and consolidation

Best for : Nectar members and mainstream borrowers wanting a familiar brand

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Lloyds Bank

A major high-street lender with pre-approved offers for customers

Lloyds Bank offers personal loans with instant decisions for many existing customers, often pre-approved in the mobile app, plus the reassurance of a large branch network.

Pre-approved offers and instant decisions for many customers
Same-day funding possible
Large branch network and phone support
Manage everything in a well-rated app

Best for : Existing Lloyds customers wanting a fast, pre-approved loan

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The guide

Understanding : loans

Consumer credit includes several solutions: personal loans, dedicated loans (auto, home improvement), revolving credit or debt consolidation. The right choice depends on the amount, duration, APR and your profile. We compare the main offers using transparent criteria: eligibility, response time, repayment flexibility and customer service quality.