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Personal Loans have a variety of uses which is good because the needs of individuals can also vary widely. This site takes a brief look at the types of personal loans available in the uk today and some possible uses for them. We also provide you with the ability to click through to a personal loans comparison engine, which will allow you to compare over 400 lenders in a couple of quick and easy clicks.

So, where do we start? Well let’s kick off by saying what types of loans are available. These are Secured and Unsecured, and you can probably guess the difference between each from their names! But maybe not! The idea of a secured loan is that you put up an asset/capital as security, so that if you default on your payments, the lender can claim you asset to pay off your debt to them. The asset that is usually used as security in this instance is your home, which is why this type of personal loan is often referred to as a homeowner loan. Benefits of this type of loan? Well they are often easier to arrange and you can generally borrow larger sums of money, due to the lender having some form of security.

Right, with that one out of the way, let’s look at unsecured personal loans. This is where names can be deceptive, because no this type of loan is not secured against your assets such as your home, but being realistic it does not mean that a lender would not pursue you for their money, should you be able to keep up the repayments of this type of loan. The lender would be within their rights to pursue any debt through the civil procedures, which could ultimately result in your home being at risk.

Rate Comparisons
Provider Amount Typical APR% over 3 yrs Term Redemption Charge Details
AA Loans £1,000 - £25,000 6.4% 1 - 7 yrs 2 month's interest Available to anyone aged between 18 and 65 with a regular income
Abbey Loans £1000 - £20000 6.9% 1 - 8yrs 2 mths int Internet applications only.
Alliance & Leicester £1000 - £20000 6.4% 1- 5yrs 2 mths int Fixed rate loan with online decision.
British Gas Loans £1,000 - £25,000 New rate! From 6.2% 1 - 7yrs 2 month's interest Internet applications only
Cahoot £1000- £20000 6.7% fixed rate, 5.8% flexible rate 1 - 5yrs 28 days int Choice of fixed or flexible loans
Direct Line £5000 - £25000 6.3% 1 - 5 yrs 1 mth int Internet applications only
Goldfish Loans £5,000 to £20,000 5.9% 1 to 5 years none No fees or hidden set-up costs
If.com loans - Intelligent Finance £1,000 to £25,000 6.1% 1-4 years nil Easy application over the phone or online and a decision in minutes.Click here
Liverpool Victoria £5000 - £25000 5.90% 1 - 7 yrs Nil Internet applications only
Lombard Direct £5000 - £25000 6.10% 1 - 7 yrs 2 mths int On line decision
Marbles £5,000 to £25,000 6.9% 1 to 7 years Nil Ideas bigger than your pocket?
Marks and Spencer £7500 - £25000 6.7% online rate 1 - 7 yrs 2 mths int A different rate may be offered subject to status
Morgan Stanley £5,000 - £9,999 6.5% 1 - 7 yrs Nil Online Decisions within 1 minute Online. 6.5% exclusively available online
Nationwide £1000 - £20000 6.7% 1 - 7yrs Nil Rate is guaranteed, not typical depending on credit risk
Northern Rock Loans £5000 - £25000 5.8% 1 - 10 yrs None No penalty for early repayment
Smile.co.uk £5000 - £15000 6.00% 1 - 7 yrs 2 mnths int Online decision available
Tesco £2000 - £25000 6.5% online 1 - 10yrs 2 mths int Rate includes a discount for internet applications.


Loans directory
AA AA Loans are provided or arranged, subject to status including permanent employment, by Automobile A...
Abbey National Work out the monthly repayments on an Abbeyloan with our on-line calculator. Abbeyloan. It’s simpl...
Associates 7 Trinity 161 Old Christchurch Rd Bournemouth Dorset BH1 1JU Tel: 01202 554784 ...
Alliance & Leicester Whatever you need the loan for, Alliance & Leicester have a product to suit, whether you choose the ...
Bank of Scotland Start afresh with a Bank of Scotland Personal Loan. With rates from 7.9%, TYPICAL 8.9%, choose a loa...
Debtbuster Loans Why waste money on credit cards and personal loans when a low cost Debtbuster Loan could cut your mo...
Dial4aLoan Our 30 years experience in the credit market will give you the confidence needed in obtaining a pers...
Purpleloans Loan amounts range from £5,000 to £80,000 and you can choose any term from 60 months to 300. ...
Britannia Building Society Shelled out ? Take out a Britannia e loan Typical APR 8.9%*. For our special e loan offer click now ...
Cahoot Cahoot offers a fixed rate loan and a flexible loan - meaning that you can tailor it to suit your li...
Barclays Product: Secured Barclayloan. The overall interest cost for comparison is 7.7% APR. For exam...
Capital One You can choose to take a cash lump sum for home improvements, or for almost any purpose Borrow an...
Bradford & Bingley Loans from £2,000 to £25,000, with payments spread over 1 – 7 years in fixed monthly payments, and d...
Compass Finance Have you been declined for a loan, re-mortgage or mortgage ? Whatever your circumstances, we can off...
Easy Loans APPLY ON LINE.Getting a low cost personal loan is easy and our rates are the lowest ever. Any amount...
Esure Loans of £3,000 to £25,000 No repayments for the first 3 months Choice of repayment periods from...
Egg So you want a loan with flexible payment options, an excellent rate, and payment protection? Sounds ...
Direct Line Loans from £2,000 to £25,000 over 2 to 7 years (depending on your loan amount). From 6.1% APR Typica...
First Plus An innovative approach to secured lending. Borrow from £5,000 to £50,000. Have what you want or cons...
Flexi-Loans Apply online. All personal circumstances are considered, low rates, CCJs not a problem. ...
Fresh Start Loans Pay off all your debts and make a fresh start in the new millennium with Fresh Start Loans. ...
GoLoan Loans for cars, home improvements and paying off debts. Competitive rates. Unsecured and secured loa...
Guardian Finance Having problems arranging a Personal LOAN? Apply Online Now for acceptance in principle in 24hrs. £5...
IF Intelligent Finance For a fixed interest rate loan of only 8.9%APR, choose Intelligent Finance. There's no arrangement f...
Yorkshire Bank A Yorkshire Bank loan could give you: Borrowing from £1,000 to £25,000 Flexible repayment terms...
HSBC An HSBC Loan makes rolling outstanding credit into just one manageable monthly payment quick and eas...
Personal Loans (UK) Unsecured and secured loan facilities for the rate conscious borrower. ...
Lloyds TSB Apply online for a personal loan or deferred repayment loan with loansdirect from Lloyds TSB Bank. ...
MBNA Apply on-line today for a low cost un-secured loan from MBNA. You can borrow any amount from £1000 a...
Loan Line Loan Line is an independent national loan & mortgage broker with over 100 finance plans including no...
Lombard Direct Find out if it's easier, cheaper and quicker to get a loan from Lombard Direct. Typical rate of just...
Marks and Spencer We beat the banks on rate... all you need to do is decide how much you want to borrow. ...
Halifax A wide choice of loans that are affordable and easy to arrange including Balance Transfer, Homeowner...
Marbles Fancy £6,000 for less than £99 a month at just 9.5% APR? Whatever you fancy, take it easy with a mar...
Newcastle Building Society Loans available secured against endowment or whole of life policies on 0191 244 2468 and at web site...
Liverpool Victoria Quick and easy online quote & application A flexible loan repayment term– from 1 to 7 years Typ...
PersonalLoansOnline Specialist lender with interest rates from 7.9% APR. All circustances considered. Immediate decision...
NatWest NatWest operates four interest rate bands for its personal loans, with premium rates on the smaller ...
Purplequote Competitive LOANS & REMORTGAGES from £3,000 to £500,000 for any purpose. Whatever your situation cal...
Norwich Union 8.9% APR typical For example, you borrow £7,000 over 5 years. You’ll make 60 monthly repayments, e...
Northern Rock One of the lowest personal loan APR's in the UK. Source: www.moneyfacts.co.uk 29/08/06: £5k over 3...
RAC Unsecured loans available from £1,000 - £25,000 with extremely competitive rates. Recommended by 'Wh...
Royal Bank of Scotland Quick and simple to arrange, and at rates that are easy to afford, a Personal Loan from the Royal Ba...
Sainsbury's Bank A decision in minutes, a cheque in 24 hours. Borrow for almost anything, from home improvements to a...
AllscotFinance Freshstartloans offer low cost loans for any purpose. Rates from 8.9% APR. Low equity loans up to 12...
Tesco Personal Finance Apply on line for a low cost loan to buy a car, finance home improvements, pay off credit cards... ...
The Woolwich Whether it's to pay for a Car, Holiday, Wedding, Home Improvements or almost anything else, apply On...
Beech Financial Management Beech Finance offer a range of Low Cost Loans for Homeowners, on both a Secured & Unsecured Basis. A...
Chase Saunders Low cost loans from 8.8% APR tailored for every type of client and for any purpose. Immediate decisi...
UK Personal Loans National FISA registered company. Homeowners. All circumstances considered. Employed, self-employed,...
Virgin A completely fresh way to organize all your personal finances which can save you thousands on your m...
Pacific Home Loans Apply online today for homeowner loans at our lowest ever rates and receive upon completion a free T...
Sterling Credit Limited Sterling Credit Limited specialise in offering secured personal loans to homeowners. ...
Welcome Financial Services Bracken House 14-16 Christchurch Rd Bournemouth Dorset BH1 3NJ Tel: 01202 314289 ...
Black Horse Finance Apply for a loan over the phone or enquire about the nearest finance center Tel: 0870 2427878 Ow...
Yes Car Credit CCJ's/decrees Mortgage arrears Previous defaults Council/Poll Tax problems No cre...
Yahoo Decisions available within 24 hours Borrow from £1,000 to £25,000 Loans for almost any personal ...
Mint "Low fixed rates, from 6.5% APR that won't change no matter what Borrow up to £25,000 for up to 7 ...
Norton Finance Arranging your loan with Norton Finance couldn't be easier. We are well established and over the yea...
Co-operative Bank A loan from the Co-operative Bank means you'll pay one of the lowest rates on the market. From just ...
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Capital Investors
Capital Loan
Blue Chip Loans
Blue Sky Personal Finance
Bollin Finance
Birmingham Midshires
Cavendish Finance Company
Loanspage
DirectLoans4U
Homeonwers Financial Services
RaboDirect
Picture the loan
Hamilton Direct Bank
Loan World
Dunfermline Building Society
Loanmakers
LoanPlan
Loans uk
Frizzell
Confused.com
LoansOnline-Now
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Preferential Personal Finance
Loans.co.uk
Loansdirect
Loan Giant
Interactive Finance Services
Portfield Financial Services
Paragon
Ocean Finance
Nationwide
Scottish Life Mortgages
Premier Finance
UK Loan Site
TLC
Standard Life
The Derbyshire Building Society
The Idol
Simpleloans
Universal Building Society
Smile
Student Loans Company
UK CreditShop
Yellow Loans
Your-loan
Clydesdale Bank
Greenhill Finance
GE Capital
The Post Office

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