Low APR Loans

For the purpose of the low APR loans page I’m going to focus on loans at a rate of 31.9% or below. The information on this page is almost exactly the same as on our cheap loans, cheap rate loans and low interest rate loans pages but we’ve made separate comparison tables for each to make sure that we’re delivering the right content for as many of our users' favourite search terms as possible.

Whilst those of you who are lucky enough to have ready access to headline rates of interest below 10% may think that 31.9% is still quite high, with some lenders pricing at 5000% or more, products priced at 32% and below are a pretty good representation of the cheaper end of the market.

Low APR loans are going to be reserved for those with a good credit profile. Your credit profile comes from your credit file, which is a record of all the payments you make each month for items such as contract mobile phones, household utility bills, bank accounts, credit cards or loans. If you’ve never ever missed a repayment and always pay the right amount then you’ll more than likely have a good credit profile. If you’ve missed just one or two payments in the past six months then it’s likely that you have what’s known as a fair credit profile and you should visit our fair credit loans page to find the best deal. If you have missed any more than just a couple of payments or have never had any credit accounts at all then visit our bad credit loans page to find the best deals for your profile.

The products you’ll find in my low APR loan comparison table come from the banks, supermarkets and peer to peer lenders - all of whom will be able to offer low APR loans to those with unblemished credit profiles.

Bank loans range from between £500 and £25,000, with rates as low as 4.4% and repayment periods ranging from one to seven years. Every bank loan featured here is a straight installment loan with no security required however some lenders in this bracket may ask for you to be a homeowner to get access to their lower rates of interest. We’ve included bank loans in the comparison table below and have a page dedicated specifically to bank loans here.

Over the past five years, a rash of supermarkets have been granted banking licenses and are offering unsecured installment loans to customers with good credit profiles. Loan amounts range from £1000 to £25,000, rates range from single figures up into the mid teens and repayment periods range from one to five years. We’ve also included supermarket loans in the comparison table below and have a dedicated comparison page for supermarket loans here.

Peer to peer lenders connect savers with potential borrowers, offering competitive rates of interest to both. Loan amounts, repayment period and interest rates are all pitched at similar levels to banks loans and supermarket loans. Again I’ve included peer to peer lenders below and we have a page dedicated to them here.

If you're looking for a loan and your credit history isn't squeaky clean then I'd strongly recommend checking out your local credit union. Credit unions are not-for-profit organisations with APRs to rival those you’d find with banks and supermarkets. You’ll normally have had to save with them for a few months before they’ll lend to you, but if you can wait for the cash, it’s a great financial position to be in. We’re not going to feature them on this table as they’ll only lend to you if you’re in their catchment area or work in a profession that they cover. We have a comparison page dedicated to credit unions here and to find your local credit union, use Loan search.

Loan search

£
Rank APR Average Review Min. Loan Amount Max. Loan Amount Min. Loan Term Max. Loan Term APR Average Review Visit Lender
10
3.3% APR
Representative
3.4
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£15000
12 months
60 months
3.3% APR
Rep.
3.4
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,000 over 36 months at a representative rate of 3.5% APR and an annual interest rate of 3.5% (fixed), you would pay 36 monthly instalments of £146.38. The total charge for credit will be £269.68 and the total amount payable will be £5,269.68.

22
3.3% APR
Representative
2.2
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
24 months
60 months
3.3% APR
Rep.
2.2
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £10,000.00 over 60 months at a Representative rate of 3.3% APR and an annual interest rate of 3.0% (fixed), you would pay 60 monthly instalments of £180.80. The total charge for credit will be £848.30 and the total amount payable will be £10,848.30.

45
3.3% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£7000
£15000
12 months
60 months
3.3% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £8000 over 60 months at a representative rate of 3.3% APR and an annual interest rate of 3.3% (fixed), you would pay 60 monthly instalments of £144.64. The total charge for credit will be £678.64 and the total amount payable will be £8,678.64.

81
3.3% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
60 months
3.3% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 48 months at a representative rate of 3.3% APR and an annual interest rate of 3.3% (fixed), you would pay 48 monthly instalments of £222.45. The total charge for credit will be £677.60 and the total amount payable will be £10,677.60.

83
3.3% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
60 months
3.3% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £8000 over 60 months at a representative rate of 3.3% APR and an annual interest rate of 3.3% (fixed), you would pay 60 monthly instalments of £144.64. The total charge for credit will be £678.64 and the total amount payable will be £8,678.64.

85
3.4% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
3.4% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £126.99. The total charge for credit will be £619.28 and the total amount payable will be £7,619.28.

76
3.4% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
60 months
3.4% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £181.24. The total charge for credit will be £874.40 and the total amount payable will be £10,874.40.

80
3.4% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£35000
12 months
120 months
3.4% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7500 over 12 months at a representative rate of 3.4% APR and an annual interest rate of 3.40% (fixed), you would pay 12 monthly instalments of £636.39. The total charge for credit will be £636.68 and the total amount payable will be £7636.68

48
3.4% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£7000
£15000
12 months
84 months
3.4% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £6000 over 48 months at a Representative rate of 9.9% APR and an annual interest rate of 9.48% (fixed), you would pay 48 monthly instalments of £150.67. The total charge for credit will be £1232.16 and the total amount payable will be £7232.16

50
3.4% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£15001
£25000
12 months
120 months
3.4% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £15000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.40% (fixed), you would pay 60 monthly instalments of £271.85. The total charge for credit will be £1,311 and the total amount payable will be £16,311

43
3.4% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£14999
12 months
60 months
3.4% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £181.24. The total charge for credit will be £874.40 and the total amount payable will be £10,874.40.

44
3.4% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£15000
12 months
60 months
3.4% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £12,500 over 48 months at a Representative rate of 2.4% APR and an annual interest rate of 3.4% (fixed), you would pay 47 monthly instalments of £278.61 and a final payment of £278.45. The total charge for credit will be £873.12 and the total amount payable will be £13,373.12.

15
3.4% APR
Representative
2.9
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£15000
12 months
120 months
3.4% APR
Rep.
2.9
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7500 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.40% (fixed), you would pay 60 monthly instalments of £135.92. The total charge for credit will be £655.20 and the total amount payable will be £8155.20

4
3.4% APR
Representative
4
Star RatingStar RatingStar RatingStar RatingStar Rating
£7000
£25000
12 months
84 months
3.4% APR
Rep.
4
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £20,000 over 24 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £362.82. The total charge for credit will be £1769.38 and the total amount payable will be £21,769.38.

49
3.5% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£15000
£19990
12 months
60 months
3.5% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £15,000 over 60 months at a Representative rate of 3.5% APR and an annual interest rate of 3.49% (fixed), you would pay 60 monthly instalments of £272.81. The total charge for credit will be £1368.60 and the total amount payable will be £16,368.60.

46
3.6% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
3.6% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.6% APR and an annual interest rate of 3.6% (fixed), you would pay 60 monthly instalments of £182.28. The total charge for credit will be £936.80 and the total amount payable will be £10,936.80

51
3.6% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£15001
£20000
12 months
60 months
3.6% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.6% APR and an annual interest rate of 3.6% (fixed), you would pay 60 monthly instalments of £182.28. The total charge for credit will be £936.80 and the total amount payable will be £10,936.80

74
3.6% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£20000
12 months
60 months
3.6% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.6% APR and an annual interest rate of 3.6% (fixed), you would pay 60 monthly instalments of £182.28. The total charge for credit will be £936.80 and the total amount payable will be £10,936.80

73
3.8% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£2500
£25000
24 months
60 months
3.8% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.8% APR and an annual interest rate of 3.8% (fixed), you would pay 60 monthly instalments of £137.22. The total charge for credit will be £733.20 and the total amount payable will be £8,233.20.

75
3.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
60 months
3.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753 and the total amount payable will be £8,253.

102
3.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
3.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £7,500.00 over 60 months at a Representative rate of 3.9% APR and an annual interest rate of 3.90% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753.00 and the total amount payable will be £8,253.00.

105
3.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
3.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £7,500.00 over 60 months at a Representative rate of 3.9% APR and an annual interest rate of 3.90% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753.00 and the total amount payable will be £8,253.00.

42
3.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£20000
12 months
60 months
3.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 3.9% APR and an annual interest rate of 3.88% (fixed), you would pay 60 monthly instalments of £183.61. The total charge for credit will be £1,016.60 and the total amount payable will be £11,016.60.

2
3.9% APR
Representative
4.2
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
3.9% APR
Rep.
4.2
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £7,500.00 over 60 months at a Representative rate of 3.9% APR and an annual interest rate of 3.90% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753.00 and the total amount payable will be £8,253.00.

9
3.9% APR
Representative
3.4
Star RatingStar RatingStar RatingStar RatingStar Rating
£15100
£25000
12 months
84 months
3.9% APR
Rep.
3.4
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £6000 over 48 months at a Representative rate of 9.9% APR and an annual interest rate of 9.48% (fixed), you would pay 48 monthly instalments of £150.67. The total charge for credit will be £1232.16 and the total amount payable will be £7232.16

13
3.9% APR
Representative
3.2
Star RatingStar RatingStar RatingStar RatingStar Rating
£15000
£25000
12 months
84 months
3.9% APR
Rep.
3.2
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £20,000 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £366.80. The total charge for credit will be £2008 and the total amount payable will be £22,008.00.

11
3.9% APR
Representative
3.4
Star RatingStar RatingStar RatingStar RatingStar Rating
£15000
£25000
12 months
84 months
3.9% APR
Rep.
3.4
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £181.24. The total charge for credit will be £874.40 and the total amount payable will be £10,874.40.

21
3.9% APR
Representative
2.5
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£14999
12 months
60 months
3.9% APR
Rep.
2.5
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753 and the total amount payable will be £8,253.

17
4.2% APR
Representative
2.7
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£25000
12 months
60 months
4.2% APR
Rep.
2.7
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 12.9% APR and an annual interest rate of 12.19% (fixed), you would pay 60 monthly instalments of £167.57. The total charge for credit will be £2,554.35 and the total amount payable will be £10,054.35

14
4.5% APR
Representative
3.1
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£25000
12 months
60 months
4.5% APR
Rep.
3.1
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10000 over 48 months at a Representative rate of 4.5% APR and an annual interest rate of 4.5% (fixed), you would pay 48 monthly instalments of £227.63. The total charge for credit will be £926.24 and the total amount payable will be £10926.24.

68
4.5% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7499
12 months
60 months
4.5% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £181.24. The total charge for credit will be £874.40 and the total amount payable will be £10,874.40.

82
4.6% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
4.6% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £12,500 over 48 months at a Representative rate of 4.6% APR and an annual interest rate of 4.6% (fixed), you would pay 47 monthly instalments of £285.08 and a final payment of £284.89. The total charge for credit will be £1183.65 and the total amount payable will be £13,683.65

7
4.7% APR
Representative
3.5
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7499
12 months
120 months
4.7% APR
Rep.
3.5
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5000 over 24 months at a representative rate of 4.7% APR and an annual interest rate of 4.7% (fixed), you would pay 24 monthly instalments of £218.46. The total charge for credit will be £243.04 and the total amount payable will be £5243.04

20
4.8% APR
Representative
2.6
Star RatingStar RatingStar RatingStar RatingStar Rating
£15001
£25000
12 months
60 months
4.8% APR
Rep.
2.6
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £20,000 over 48 months at a Representative rate of 4.8% APR and an annual interest rate of 4.8% (fixed), you would pay 47 monthly instalments of £457.86 and a final payment of £457.41. The total charge for credit will be £1976.83 and the total amount payable will be £21,976.83.

69
4.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7499
12 months
60 months
4.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.6% APR and an annual interest rate of 3.6% (fixed), you would pay 60 monthly instalments of £182.28. The total charge for credit will be £936.80 and the total amount payable will be £10,936.80

71
4.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£6950
12 months
84 months
4.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £6,000 over 36 months at a representative rate of 4.9% APR and an annual interest rate of 4.9% (fixed), you would pay 36 monthly instalments of £179.37. The total charge for credit will be £457.39 and the total amount payable will be £6,457.39.

41
4.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£14950
12 months
84 months
4.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

87
4.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£14999
12 months
100 months
4.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

77
4.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
4.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

91
4.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£2000
£25000
12 months
84 months
4.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £140.83. The total charge for credit will be £949.80 and the total amount payable will be £8,449.80.

65
5.5% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7499
12 months
60 months
5.5% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,000 over 36 months at a Representative rate of 5.5% APR and an annual interest rate of 5.5% (fixed), you would pay 35 monthly instalments of £150.68 and a final payment of £150.59. The total charge for credit will be £424.39 and the total amount payable will be £5339.47.

66
5.6% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7499
12 months
60 months
5.6% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,000 over 36 months at a representative rate of 3.5% APR and an annual interest rate of 3.5% (fixed), you would pay 36 monthly instalments of £146.38. The total charge for credit will be £269.68 and the total amount payable will be £5,269.68.

60
6.1% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£6999
12 months
60 months
6.1% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £5,000.00 over 36 months at a Representative rate of 6.1% APR and an annual interest rate of 6.10% (fixed), you would pay 36 monthly instalments of £151.96. The total charge for credit will be £470.72 and the total amount payable will be £5,470.72.

29
6.4% APR
Representative
1.7
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£25000
12 months
60 months
6.4% APR
Rep.
1.7
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £7500 over 12 months, monthly repayments of £646.26, total amount repayable £7,755.07. Fixed interest rate of 6.4% p/annum. Representative APR 6.4%.

34
6.7% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£15001
£25000
12 months
96 months
6.7% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £20000 over 60 months at a representative rate of 6.7% APR and an annual interest rate of 6.7% (fixed), you would pay 60 monthly instalments of £391.35. The total charge for credit will be £3,480.87 and the total amount payable will be £23,480.87.

24
6.8% APR
Representative
2
Star RatingStar RatingStar RatingStar RatingStar Rating
£15001
£25000
12 months
60 months
6.8% APR
Rep.
2
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,000 over 36 months at a representative rate of 3.5% APR and an annual interest rate of 3.5% (fixed), you would pay 36 monthly instalments of £146.38. The total charge for credit will be £269.68 and the total amount payable will be £5,269.68.

27
6.9% APR
Representative
1.8
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
6 months
60 months
6.9% APR
Rep.
1.8
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £10,000.00 over 60 months at a Representative rate of 6.9% APR and an annual interest rate of 6.9% (fixed), you would pay 60 monthly instalments of £196.58. The total charge for credit will be £1,795.00 and the total amount payable will be £11,795.00.

63
6.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7450
12 months
60 months
6.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753 and the total amount payable will be £8,253.

103
6.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
6.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £2,000 over 24 months at a Representative rate of 29.8% APR and an annual interest rate of 26.40% (fixed), you would pay 24 monthly instalments of £108.16. The total charge for credit will be £595.84 and the total amount payable will be £2,595.84.

104
6.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
6.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £20,000 over 60 months at a Representative rate of 6.9% APR and an annual interest rate of 6.90% (fixed), you would pay 60 monthly instalments of £393.11. The total charge for credit will be £3586.60 and the total amount payable will be £23,586.60.

99
6.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£10000
£25000
12 months
64 months
6.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,500 over 36 months at a Representative rate of 7.9% APR and an annual interest rate of 7.90% (fixed), you would pay 36 monthly instalments of £171.30. The total charge for credit will be £1,166.80 and the total amount payable will be £6,166.80.

1
7.3% APR
Representative
4.7
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
6 months
60 months
7.3% APR
Rep.
4.7
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £5,000.00 over 24 months at a Representative rate of 7.3% APR and an annual interest rate of 7.1% (fixed), you would pay 24 monthly instalments of £224.04. The total charge for credit will be £377 and the total amount payable will be £5,377.

40
7.5% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2450
12 months
84 months
7.5% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £2,000 over 24 months at a representative rate of 7.5% APR and an annual interest rate of 7.5% (fixed), you would pay 24 monthly instalments of £89.81. The total charge for credit will be £155.43 and the total amount payable will be £2,155.43.

52
7.5% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£2500
£4950
12 months
84 months
7.5% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £2,500 over 24 months at a representative rate of 7.5% APR and an annual interest rate of 7.5% (fixed), you would pay 24 monthly instalments of £112.26. The total charge for credit will be £194.29 and the total amount payable will be £2,694.29.

35
7.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
64 months
7.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,500 over 36 months at a Representative rate of 7.9% APR and an annual interest rate of 7.90% (fixed), you would pay 36 monthly instalments of £171.30. The total charge for credit will be £1,166.80 and the total amount payable will be £6,166.80.

98
7.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£9999
12 months
64 months
7.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,500 over 36 months at a Representative rate of 7.9% APR and an annual interest rate of 7.90% (fixed), you would pay 36 monthly instalments of £171.30. The total charge for credit will be £1,166.80 and the total amount payable will be £6,166.80.

108
7.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
7.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £6,000 over 48 months at a Representative rate of 7.9% APR and an annual interest rate of 7.90% (fixed), you would pay 48 monthly instalments of £145.44. The total charge for credit will be £981.12 and the total amount payable will be £6981.12.

88
8.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£15000
£25000
12 months
84 months
8.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

47
8.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£15000
£25000
12 months
84 months
8.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

67
9.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7499
12 months
60 months
9.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 12.9% APR and an annual interest rate of 12.19% (fixed), you would pay 60 monthly instalments of £167.57. The total charge for credit will be £2,554.35 and the total amount payable will be £10,054.35

70
9.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£6900
12 months
84 months
9.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £6000 over 48 months at a Representative rate of 9.9% APR and an annual interest rate of 9.48% (fixed), you would pay 48 monthly instalments of £150.67. The total charge for credit will be £1232.16 and the total amount payable will be £7232.16

5
9.9% APR
Representative
4
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
120 months
9.9% APR
Rep.
4
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £6,000 over 60 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 60 monthly instalments of £125.94. The total charge for credit will be £1,556.62 and the total amount payable will be £7,556.62.

33
9.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
24 months
60 months
9.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £7.500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 36 monthly instalments of £240.17. The total charge for credit will be £1,146.12 and the total amount payable will be £8,646.12.

84
9.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
9.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £6000 over 48 months at a Representative rate of 9.9% APR and an annual interest rate of 9.48% (fixed), you would pay 48 monthly instalments of £150.67. The total charge for credit will be £1232.16 and the total amount payable will be £7232.16

79
9.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2499
12 months
60 months
9.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £6,000 over 48 months at a representative rate of 9.9% APR and an annual interest rate of 9.48% (fixed), you would pay 48 monthly instalments of £150.67. The total charge for credit will be £1232.16 and the total amount payable will be £7,232.16

96
9.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£7500
£9999
24 months
60 months
9.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £7.500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 36 monthly instalments of £240.17. The total charge for credit will be £1,146.12 and the total amount payable will be £8,646.12.

59
10.7% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4999
12 months
60 months
10.7% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £181.24. The total charge for credit will be £874.40 and the total amount payable will be £10,874.40.

93
10.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£10000
£25000
24 months
60 months
10.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £7.500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 36 monthly instalments of £240.17. The total charge for credit will be £1,146.12 and the total amount payable will be £8,646.12.

72
11.22% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£2500
£40000
1 month
150 months
11.22% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £4,500 over 126 months (199 months after graduation) at a Representative rate of 11.22% APR and an annual interest rate of 11.10% (variable); after graduation 9.10% pa.(variable), you would pay 5 payments of £30/month, until 3 months after graduation; 119 payments of £61.90/month; 1 payment of £61.50. The total charge for credit will be £2,077.60 and (inc. set up fee of £292.50) the total amount payable will be £7,577.60.

61
11.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7450
12 months
84 months
11.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

90
11.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7499
12 months
84 months
11.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

57
12.6% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4999
12 months
60 months
12.6% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,000 over 36 months at a representative rate of 3.5% APR and an annual interest rate of 3.5% (fixed), you would pay 36 monthly instalments of £146.38. The total charge for credit will be £269.68 and the total amount payable will be £5,269.68.

62
12.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7499
12 months
60 months
12.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10000 over 48 months at a Representative rate of 12.0% APR and an annual interest rate of 11.39% (fixed), you would pay 48 monthly instalments of £156.20. The total charge for credit will be £1497.69 and the total amount payable will be £7497.69.

56
12.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4999
12 months
60 months
12.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 12.9% APR and an annual interest rate of 12.9% (fixed), you would pay 35 monthly instalments of £99.93 and a final payment of £99.65. The total charge for credit will be £597.20 and the total amount payable will be £3,874.01.

95
12.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7499
24 months
60 months
12.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £7.500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 36 monthly instalments of £240.17. The total charge for credit will be £1,146.12 and the total amount payable will be £8,646.12.

78
12.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
60 months
12.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £6000 over 60 months at a Representative rate of 12.9% APR and an annual interest rate of 12.19% (fixed), you would pay 60 monthly instalments of £134.06. The total charge for credit will be £2043.60 and the total amount payable will be £8043.60.

31
13.7% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£500
£25000
6 months
60 months
13.7% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

0

16
13.9% APR
Representative
2.8
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
13.9% APR
Rep.
2.8
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £181.24. The total charge for credit will be £874.40 and the total amount payable will be £10,874.40.

64
13.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£5000
£7490
12 months
60 months
13.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,000 over 36 months at a Representative rate of 13.9% APR and an annual interest rate of 13.13% (fixed), you would pay 36 monthly instalments of £168.78. The total charge for credit will be £1,076.08 and the total amount payable will be £6,076.08.

58
14.1% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4999
12 months
60 months
14.1% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.6% APR and an annual interest rate of 3.6% (fixed), you would pay 60 monthly instalments of £182.28. The total charge for credit will be £936.80 and the total amount payable will be £10,936.80

92
15.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4999
12 months
60 months
15.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £7.500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 36 monthly instalments of £240.17. The total charge for credit will be £1,146.12 and the total amount payable will be £8,646.12.

25
17.9% APR
Representative
2
Star RatingStar RatingStar RatingStar RatingStar Rating
£500
£5000
1 month
0 months
17.9% APR
Rep.
2
Star RatingStar RatingStar RatingStar RatingStar Rating

0Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

32
18% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£15000
12 months
84 months
18% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: Borrowing £2,000 over 12 months, repaying £186.04 per month, total repayable £2,232.48. Representative 22.9% APR.

100
18% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
120 months
18% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £1000 over 12 months at a representative rate of 18% APR and an annual interest rate of 18% (fixed), you would pay 12 monthly instalments of £91.04. The total charge for credit will be £92.48 and the total amount payable will be £1092.48.

36
18.5% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
18.5% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,000 over 36 months at a representative rate of 3.5% APR and an annual interest rate of 3.5% (fixed), you would pay 36 monthly instalments of £146.38. The total charge for credit will be £269.68 and the total amount payable will be £5,269.68.

55
18.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4999
12 months
60 months
18.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £3000 over 36 months at a representative rate of 18.9% APR and an annual interest rate of 18.9% (fixed), you would pay 60 monthly instalments of £107.61. The total charge for credit will be £874.01 and the total amount payable will be £3,874.01.

3
18.9% APR
Representative
4.1
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4900
12 months
84 months
18.9% APR
Rep.
4.1
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £6000 over 48 months at a Representative rate of 9.9% APR and an annual interest rate of 9.48% (fixed), you would pay 48 monthly instalments of £150.67. The total charge for credit will be £1232.16 and the total amount payable will be £7232.16

19
19.9% APR
Representative
2.6
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4950
12 months
84 months
19.9% APR
Rep.
2.6
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

54
19.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4950
12 months
60 months
19.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753 and the total amount payable will be £8,253.

106
19.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
19.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £3,500.00 over 48 months at a Representative rate of 19.9% APR and an annual interest rate of 19.90% (fixed), you would pay 48 monthly instalments of £103.34. The total charge for credit will be £960.32 and the total amount payable will be £4960.32.

94
19.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
19.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £7.500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 36 monthly instalments of £240.17. The total charge for credit will be £1,146.12 and the total amount payable will be £8,646.12.

97
19.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£4999
12 months
64 months
19.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £5,500 over 36 months at a Representative rate of 7.9% APR and an annual interest rate of 7.90% (fixed), you would pay 36 monthly instalments of £171.30. The total charge for credit will be £1,166.80 and the total amount payable will be £6,166.80.

89
19.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4999
12 months
84 months
19.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

18
20.9% APR
Representative
2.6
Star RatingStar RatingStar RatingStar RatingStar Rating
£2000
£2999
12 months
84 months
20.9% APR
Rep.
2.6
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

6
20.9% APR
Representative
3.7
Star RatingStar RatingStar RatingStar RatingStar Rating
£2000
£2950
12 months
84 months
20.9% APR
Rep.
3.7
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

30
21.1% APR
Representative
1.7
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
21.1% APR
Rep.
1.7
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.6% APR and an annual interest rate of 3.6% (fixed), you would pay 60 monthly instalments of £182.28. The total charge for credit will be £936.80 and the total amount payable will be £10,936.80

8
21.9% APR
Representative
3.5
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
21.9% APR
Rep.
3.5
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £1,000 over 12 months at a representative rate of 21.9% APR and an annual interest rate of 21.9% (fixed), you would pay 12 monthly instalments of £92.62. The total charge for credit will be £111.43 and the total amount payable will be £1,111.43.

53
24.5% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£2500
£4999
12 months
60 months
24.5% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 12.9% APR and an annual interest rate of 12.19% (fixed), you would pay 60 monthly instalments of £167.57. The total charge for credit will be £2,554.35 and the total amount payable will be £10,054.35

39
24.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2950
12 months
60 months
24.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753 and the total amount payable will be £8,253.

23
24.9% APR
Representative
2.2
Star RatingStar RatingStar RatingStar RatingStar Rating
£3000
£4999
12 months
60 months
24.9% APR
Rep.
2.2
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £4,000.00 over 48 months at a Representative rate of 24.9% APR and an annual interest rate of 24.9% (fixed), you would pay 48 monthly instalments of £126.99. The total charge for credit will be £2095.52 and the total amount payable will be £6095.52.

101
24.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
84 months
24.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

If you borrow £1000 over 12 months at a Representative rate of 24.9% APR and an annual interest rate of 24.90% (fixed), you would pay 12 monthly instalments of £93.81. The total charge for credit will be £125.72 and the total amount payable will be £1,125.72.

107
25.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
25.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £3,000 over 24 months at a Representative rate of 25.9% APR and an annual interest rate of 23.29% (fixed), you would pay 24 monthly instalments of £157.56. The total charge for credit will be £781.44 and the total amount payable will be £3781.44.

86
27.5% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
27.5% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Borrowing £4,000 over 24 months, repaying £207.01 per month, total repayable £4,968.24. Representative 24.0% APR.

37
27.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2999
12 months
60 months
27.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £2,000 over 24 months at a Representative rate of 27.9% APR and an annual interest rate of 24.90% (fixed), you would pay 24 monthly instalments of £106.64. The total charge for credit will be £559.36 and the total amount payable will be £2,559.36.

38
28.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2900
12 months
84 months
28.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £10000 over 60 months at a Representative rate of 9.9% APR and an annual interest rate of 9.95% (fixed), you would pay 60 monthly instalments of £210.12. The total charge for credit will be £2607.20 and the total amount payable will be £12,607.20.

12
28.9% APR
Representative
3.2
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£25000
12 months
60 months
28.9% APR
Rep.
3.2
Star RatingStar RatingStar RatingStar RatingStar Rating

Borrowing £12,500 for 48 months, repaying 47 monthly repayments of £278.61 and a final payment of £278.45. Total amount payable £13,373.12. Representative 3.4% APR.

28
29.9% APR
Representative
1.8
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£2499
12 months
60 months
29.9% APR
Rep.
1.8
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: If you borrow £7,500 over 60 months at a representative rate of 12.9% APR and an annual interest rate of 12.19% (fixed), you would pay 60 monthly instalments of £167.57. The total charge for credit will be £2,554.35 and the total amount payable will be £10,054.35

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30% APR
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£1000
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Representative Example: If you borrow £1,000 over 24 months at a Representative rate of 19.9% APR and an annual interest rate of 19.90% (fixed), you would pay 23 monthly instalments of £50.07 and a final payment of £49.90. The total charge for credit will be £201.51 and the total amount payable will be £1,201.51.

Low APR Loans

For the purpose of the low APR loans page I’m going to focus on loans at a rate of 31.9% or below. The information on this page is almost exactly the same as on our cheap loans, cheap rate loans and low interest rate loans pages but we’ve made separate comparison tables for each to make sure that we’re delivering the right content for as many of our users' favourite search terms as possible.

Whilst those of you who are lucky enough to have ready access to headline rates of interest below 10% may think that 31.9% is still quite high, with some lenders pricing at 5000% or more, products priced at 32% and below are a pretty good representation of the cheaper end of the market.

Low APR loans are going to be reserved for those with a good credit profile. Your credit profile comes from your credit file, which is a record of all the payments you make each month for items such as contract mobile phones, household utility bills, bank accounts, credit cards or loans. If you’ve never ever missed a repayment and always pay the right amount then you’ll more than likely have a good credit profile. If you’ve missed just one or two payments in the past six months then it’s likely that you have what’s known as a fair credit profile and you should visit our fair credit loans page to find the best deal. If you have missed any more than just a couple of payments or have never had any credit accounts at all then visit our bad credit loans page to find the best deals for your profile.

The products you’ll find in my low APR loan comparison table come from the banks, supermarkets and peer to peer lenders - all of whom will be able to offer low APR loans to those with unblemished credit profiles.

Bank loans range from between £500 and £25,000, with rates as low as 4.4% and repayment periods ranging from one to seven years. Every bank loan featured here is a straight installment loan with no security required however some lenders in this bracket may ask for you to be a homeowner to get access to their lower rates of interest. We’ve included bank loans in the comparison table below and have a page dedicated specifically to bank loans here.

Over the past five years, a rash of supermarkets have been granted banking licenses and are offering unsecured installment loans to customers with good credit profiles. Loan amounts range from £1000 to £25,000, rates range from single figures up into the mid teens and repayment periods range from one to five years. We’ve also included supermarket loans in the comparison table below and have a dedicated comparison page for supermarket loans here.

Peer to peer lenders connect savers with potential borrowers, offering competitive rates of interest to both. Loan amounts, repayment period and interest rates are all pitched at similar levels to banks loans and supermarket loans. Again I’ve included peer to peer lenders below and we have a page dedicated to them here.

If you're looking for a loan and your credit history isn't squeaky clean then I'd strongly recommend checking out your local credit union. Credit unions are not-for-profit organisations with APRs to rival those you’d find with banks and supermarkets. You’ll normally have had to save with them for a few months before they’ll lend to you, but if you can wait for the cash, it’s a great financial position to be in. We’re not going to feature them on this table as they’ll only lend to you if you’re in their catchment area or work in a profession that they cover. We have a comparison page dedicated to credit unions here and to find your local credit union, use Loan search.

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