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Each option reviewed by our automotive finance editorial team.

Recently added

Central Trust Second Charge Mortgage

Central Trust

secured_homeowner_loan

APR: 9.69%–13.1%
Amount: GBP250,000
Term: 360 mo
Decision: As little as 3 days

Homeowners with various income sources who need significant funds for home improvements or debt consolidation.

Central Trust's second charge mortgage is appealing for those needing a substantial sum quickly, with approvals possible in just three days. However, the higher APR range may deter borrowers with tighter budgets.

Lending Stream Short-Term Loan

Lending Stream

personal

APR: 99.9%–1333.0%
Amount: GBP1,500
Term: 6 mo
Decision: Minutes

Individuals with low credit scores needing quick access to emergency funds.

Lending Stream provides rapid approval and caters to those with poor credit, but the exorbitant APR of up to 1,333% makes this a costly option for long-term borrowing.

iwoca Business Loans

iwoca

Business

APR: 18.0%–49.9%

These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.

iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.

Danske Bank Fixed Rate Personal Loan

Danske Bank

personal

APR: 6.9%–19.9%
Amount: GBP25,000
Term: 60 mo

This loan is best for individuals with a strong credit history looking to borrow between £1,000 and £25,000 over a period of 12 to 60 months.

The Danske Bank Fixed Rate Personal Loan offers a competitive APR range, making it a viable option for borrowers seeking stability in repayments.

Barclayloan Debt Consolidation

Barclays

debt_consolidation

APR: 4.9%–29.9%
Amount: GBP25,000

Existing Barclays customers who want a seamless in-app experience with the flexibility to top up borrowing later.

A convenient option for existing Barclays customers with a smooth in-app application, early repayment at any time, and the unique top-up feature for additional borrowing.

CarFinance 247

auto

APR: 8.9%–47.0%
Amount: GBP50,000
Term: 60 mo
Decision: Instant online

This service is best for those who need fast financing for a vehicle and have a clear repayment plan.

CarFinance 247 provides quick access to a wide range of auto loans, but high APRs may deter some borrowers.

Creditspring Credit Builder Loan

Creditspring

credit_builder

People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.

Straightforward credit builder with predictable costs — good for rebuilding your score, not for cheap borrowing.

Roma Finance Renovation Mortgage

Roma Finance

bridging_refurbishment

Landlords needing renovation finance with fast turnaround.

Nimble specialist lender best for refurb projects needing speed over price.

Funding Circle Business Loans

Funding Circle

Business

APR: 6.9%–29.9%

It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.

Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.

TSB Personal Loan

TSB

personal

APR: 5.9%–24.9%
Amount: GBP25,000
Term: 60 mo
Decision: Same day

Straightforward borrowers who want a no-nonsense loan from a recognised high-street bank.

Honest mid-tier option. Nothing flashy, but reliable with decent rates for good credit profiles.

Lloyds Bank Debt Consolidation Loan

Lloyds Bank

debt_consolidation

APR: 3.9%–29.9%
Amount: GBP50,000

Borrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.

A solid high-street option with competitive rates starting at 3.9% representative APR and generous borrowing limits up to £50,000, backed by one of the UK most established banking brands.

Close Brothers Motor Finance

car_finance

APR: 5.9%–24.9%
Amount: GBP100,000
Term: 60 mo
Decision: Same day decision

This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.

Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.

Loqbox Credit Builder

Loqbox

credit_builder

Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.

The gold standard for UK credit building — save money and build your score simultaneously.

Kent Reliance BTL Mortgage

Kent Reliance

buy_to_let

Landlords wanting a specialist BTL lender with the backing of a major financial group (OSB)

Part of the OSB Group (one of the UK's largest specialist lenders), Kent Reliance combines building society heritage with specialist BTL expertise. Strong option for portfolio and complex landlords.

Virgin Money Personal Loans

Virgin Money

Personal

APR: 5.1%–29.9%
Amount: GBP25,000
Term: 60 mo

These loans are best suited for individuals seeking a straightforward, online application process with no early repayment charges.

Virgin Money offers competitive personal loans with flexible terms, making them an appealing option for borrowers. However, potential applicants should ensure they meet the credit score requirements.

HSBC Personal Loan for Debt Consolidation

HSBC

debt_consolidation

APR: 3.3%–21.9%
Amount: GBP30,000

HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.

A reliable high-street option with a competitive 6.5% representative APR and the ability to extend terms up to 96 months on larger loans, giving more breathing room on monthly payments.

Zuto Car Finance

Zuto

car_finance

APR: 8.9%–49.9%
Amount: GBP75,000
Term: 60 mo
Decision: Decision in 60 seconds

Best suited for UK residents looking for competitive rates on car loans with access to various lenders.

Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.

Wollit Credit Builder

Wollit

credit_builder

Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.

Set-and-forget credit builder for renters — low cost, low effort, meaningful impact on thin credit files.

Shawbrook Bank BTL Mortgage

Shawbrook Bank

buy_to_let

APR: 4.79%+

Professional landlords and portfolio investors needing a lender that can scale from small BTL to multi-million pound portfolios

One of the UK's leading specialist BTL lenders with genuine scale — they can handle anything from a single flat to a £50m portfolio, with multiple award wins to back it up.

Asda Money Personal Loans

Asda Money

personal

APR: 6.9%–19.9%
Amount: GBP25,000
Term: 60 mo

These loans are best for existing Asda Money customers looking for preferential rates and those with a good credit score seeking amounts between £1,000 and £25,000.

Asda Money offers personal loans with competitive rates, but the minimum credit score requirement may limit accessibility for some borrowers.

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