Lending Stream Short-Term Loan
Lending Stream
£50–£1.5k
3–6 mo
Best for: Individuals with low credit scores seeking immediate cash for emergencies.
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Lending Stream
£50–£1.5k
3–6 mo
Best for: Individuals with low credit scores seeking immediate cash for emergencies.
CarFinance 247
£1k–£50k
12–60 mo
Best for: This service is best for those who need fast financing for a vehicle and have a clear repayment plan.
Halifax
£1k–£50k
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Best for: Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.
Funding Circle
£10k–£500k
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.
Shawbrook Bank
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Best for: Professional landlords and portfolio investors needing a lender that can scale from small BTL to multi-million pound portfolios
Admiral
£1k–£25k
12–60 mo
Best for: Individuals with a steady income and good credit who need a personal loan between £1,000 and £40,000.
Loqbox
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Best for: Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.
Close Brothers Motor Finance
£4k–£100k
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.
Lloyds Bank
£1k–£50k
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Best for: Borrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.
iwoca
£1k–£500k
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.
Foundation Home Loans
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Best for: Professional landlords with complex property portfolios needing specialist underwriting through a broker
Monzo
£500–£25k
3–60 mo
Best for: Individuals with a Monzo account needing quick access to personal loans without high fees.
Wollit
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Best for: Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.
Zuto
£1k–£75k
24–60 mo
Best for: Best suited for UK residents looking for competitive rates on car loans with access to various lenders.
Barclays
£1k–£25k
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Best for: Existing Barclays customers who want a seamless in-app experience with the flexibility to top up borrowing later.
West One Loans
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Best for: Landlords needing higher leverage or complex BTL structures, especially portfolio landlords and limited companies
Zopa
£1k–£35k
12–60 mo
Best for: Individuals seeking personal loans with flexible terms and competitive rates, especially those with decent credit scores.
Creditspring
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Best for: People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.
Oodle Car Finance
£3k–£50k
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.
£1k–£30k
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Best for: HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.
HSBC's personal loan offers a tempting 3.9% APR for large amounts, but watch out if your credit score isn't top-notch.
Starling Bank offers personal loans from £500 to £5,000, with APRs between 8.9% and 24.9%. Perfect for quick, small borrowing via their app.
Discover the best business loans for your needs with rates starting at 6.9%. Compare Tide, iwoca, and Funding Circle to find the right fit.