⚡ Quick Answer
The best personal loan rates start from 5.9% APR (representative) for £10,000 over 5 years. Use our loan calculator to see your monthly payments before applying.
Best Personal Loan Rates (June 2025)
| Lender | APR | Amount | Term | Monthly (£10k, 5yr) | |
|---|---|---|---|---|---|
| Zopa | 5.9% | £1k–£25k | 1–5 yrs | £193 | Apply |
| Hitachi | 6.4% | £1k–£25k | 1–5 yrs | £195 | Apply |
| Tesco Bank | 6.5% | £1k–£35k | 1–10 yrs | £196 | Apply |
| Nationwide | 6.9% | £1k–£25k | 1–7 yrs | £197 | Apply |
Representative APR. Your actual rate depends on credit score and individual circumstances. FCA personal loans guidance ↗
Loan Guides
Frequently Asked Questions
- Early repayment is a legal right and almost always saves money
- Representative APR binds only 51% of borrowers — your rate may differ
- Soft-search eligibility checkers first, then apply once
- Shortest affordable term wins — low monthly ≠ cheap
Insider Notes
The representative APR is marketing, not a quote. Only 51% of accepted borrowers must get that rate — nearly half pay above it. Personalised pre-approval rates are the only numbers worth comparing.
Match the borrowing tool to the purchase: 0% purchase cards beat loans for short-term spending, money-transfer cards can undercut small loans, and loans win for structured, longer-term borrowing. Run the numbers per purchase, not per instinct.
Consolidation is a tool, not a cure. Rolling cards into a loan lowers the rate but re-opens the credit lines. The failure mode is well documented: consolidated debts plus re-spent cards.
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