Compare Personal Loans – Find a Low APR

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How this page helps
  • Snapshot of loan options (personal, debt-consolidation, car, homeowner). Start by scanning the shortlist, then open details to compare rep APRs/fees with partners. No applications on this page—we link to providers/aggregators.
  • Browse common loan types in the UK (personal, consolidation, car, homeowner). Review the cards above and open details to check rep APRs, fees, and terms with partners. No account needed; we direct you to providers for the fine print.
  • Quick loan overview (personal, debt-consolidation, car, homeowner). Begin here, then view full details to compare rep APRs/fees with our partner sites. No sign-up—just outbound links to lenders and aggregators.

Quick tips before you click

  • Goal fit first: Match the loan to the job (personal, car, consolidation, homeowner). Compare total cost of credit—rep APR, any arrangement/broker fees, and term length (longer terms = lower monthly, higher overall interest).
  • Rate, fees & flexibility: A “no-fee” loan isn’t always cheapest. Check if the rate is fixed, and look for early-repayment/overpayment charges. Always compare the total repayable.
  • Eligibility softly: Use soft-search pre-checks and eligibility ranges before applying. Avoid multiple hard searches close together.
  • Affordability signals: Keep overall debt in check (low debt-to-income and sensible card utilisation <30%), pay on time, and stay on the electoral roll—these help with approvals and better rates.

FAQs

True 0% personal loans are rare. Some dealer finance (e.g., car) advertises 0% APR but may require a larger deposit or include fees/balloon payments. Always check the total repayable and any fees—“0%” doesn’t guarantee the cheapest deal.

Each lender has its own criteria (credit history, income, debts). Use soft-search eligibility checkers first; they won’t affect your score. A full application triggers a hard search, which can nudge your score down briefly.

No single best—match to your goal and profile. Compare representative APR, fees, term, flexibility (overpayments), and total repayable across a few lenders before applying.

Disclaimer

Information on this page is for general guidance only and not financial advice. Product details (e.g., representative APR, fees, limits, eligibility) are set by providers and may change without notice. Eligibility is subject to status and full checks by the lender. For secured loans, remember your home may be repossessed if you do not keep up repayments. Always review the provider’s terms, key documents, and total repayable before applying and consider seeking independent advice if unsure.

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Disclaimer

Under no circumstance we will require you to pay in order to release any type of product, including credit cards, loans or any other offer. If this happens, please contact us immediately. Always read the terms and conditions of the service provider you are reaching out to. We make money from advertising and referrals for some but not all products displayed in this website. Everything published here is based on quantitative and qualitative research, and our team strives to be as fair as possible when comparing competing options.

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We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.