Compare UK finance providers

34 UK providers with a named regulator in our catalogue, ordered by Sherpa Score. Supplied costs and terms may be incomplete.

Records without loan types are not lender candidates. Confirm availability, eligibility and current terms with each provider.

Rates shown are representative APRs supplied in our catalogue. A representative APR is the rate at least 51% of people accepted through that advert receive, so the rate you are offered may be higher. Compare the APR, the total amount repayable and the term together.

How we rank — available APR, transparency and Trustpilot inputs; missing components are omitted and the rest reweighted. See the method →

Product
Funds in
Eligibility

34 UK providers, ordered by Sherpa Score

Shawbrook Bank

Rep. APR
Not stated
Amount
Not stated
Term
Not stated
Funding
Not stated
Provider details
Products
Personal, Consolidation
Regulator field
FCA, PRA
Website
shawbrook.co.uk
Trustpilot field (undated)
4.6 · 19,000 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Novuna Personal Finance

Rep. APR
6.70%
Amount (GBP)
£1,000–£35,000
Term
24–84 months
Funding
1–3 days
  • Min. age 21
Provider details
Products
Personal, Consolidation, Car finance
Regulator field
FCA
Prequalification field
Soft search
Website
novuna.co.uk
Trustpilot field (undated)
4.6 · 5,998 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
6.20%
Amount (GBP)
£1,000–£50,000
Term
12–96 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Consolidation, Car finance, Mortgage, Credit card, Business
Regulator field
FCA
Prequalification field
Soft search
Website
hsbc.co.uk
Trustpilot field (undated)
4.5 · 26,956 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
7.80%
Amount (GBP)
£1,000–£25,000
Term
12–60 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Consolidation, Car finance
Regulator field
FCA
Prequalification field
Soft search
Website
lendable.com
Trustpilot field (undated)
4.9 · 111,807 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Tesco Bank

Rep. APR
6.40%
Amount (GBP)
£3,000–£35,000
Term
12–120 months
Funding
Next day
  • Min. age 18
Provider details
Products
Personal, Consolidation, Car finance
Regulator field
FCA
Prequalification field
Soft search
Website
tescobank.com
Trustpilot field (undated)
4.3 · 49,148 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
5.90%
Amount (GBP)
£300–£50,000
Term
3–84 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Consolidation
Regulator field
FCA, PRA
Prequalification field
Soft search
Website
tsb.co.uk
Trustpilot field (undated)
4.2 · 27,777 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
5.70%
Amount (GBP)
£1,000–£30,000
Term
12–84 months
Funding
Not stated
  • Min. age 18
Provider details
Products
Personal, Consolidation, Credit card
Regulator field
FCA
Prequalification field
Soft search
Website
bank.marksandspencer.com
Trustpilot field (undated)
3.9 · 2,635 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
6.80%
Amount (GBP)
£1,000–£50,000
Term
24–60 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Consolidation, Car finance, Mortgage, Credit card, Business
Regulator field
FCA
Prequalification field
Soft search
Website
barclays.co.uk
Trustpilot field (undated)
4.0 · 20,907 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Nationwide

Rep. APR
5.90%
Amount (GBP)
£1,000–£50,000
Term
12–120 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Consolidation, Car finance, Mortgage, Credit card
Regulator field
FCA
Prequalification field
Soft search
Website
nationwide.co.uk
Trustpilot field (undated)
2.0 · 8,000 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

John Lewis Finance

Rep. APR
9.90%
Amount (GBP)
£1,000–£35,000
Term
12–84 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Car finance, Consolidation
Regulator field
FCA
Prequalification field
Soft search
Website
johnlewismoney.com
Trustpilot field (undated)
3.9 · 17,367 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Virgin Money

Rep. APR
8.90%
Amount (GBP)
£1,000–£25,000
Term
12–84 months
Funding
Not stated
  • Min. age 18
Provider details
Products
Personal, Mortgage, Credit card
Regulator field
FCA, PRA
Website
uk.virginmoney.com
Trustpilot field (undated)
3.3 · 12,700 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
12.90%
Amount (GBP)
£1,000–£40,000
Term
12–96 months
Funding
3–5 days
  • Min. age 18
Provider details
Products
Personal
Regulator field
FCA
Prequalification field
Soft search
Website
admiral.com
Trustpilot field (undated)
4.9 · 6,000 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Starling Bank

Rep. APR
11.50%
Amount
Not stated
Term
up to 60 months
Funding
Not stated
  • Min. age 18
Provider details
Products
Personal, Business
Regulator field
FCA, PRA
Website
starlingbank.com
Trustpilot field (undated)
4.1 · 46,000 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Santander UK

Rep. APR
6.10%
Amount (GBP)
£1,000–£25,000
Term
12–60 months
Funding
1–3 days
  • Min. age 21
Provider details
Products
Personal, Consolidation
Regulator field
FCA, PRA
Prequalification field
Soft search
Website
santander.co.uk
Trustpilot field (undated)
1.5 · 9,332 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
6.90%
Amount (GBP)
£1,000–£50,000
Term
12–84 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Consolidation, Car finance, Mortgage, Credit card
Regulator field
FCA
Prequalification field
Soft search
Website
halifax.co.uk
Trustpilot field (undated)
1.7 · 6,000 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
6.60%
Amount (GBP)
£1,000–£50,000
Term
12–120 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Consolidation, Car finance, Mortgage, Credit card, Business
Regulator field
FCA
Prequalification field
Soft search
Website
natwest.com
Trustpilot field (undated)
1.4 · 8,000 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

First Direct

Rep. APR
5.70%
Amount (GBP)
£1,000–£50,000
Term
12–96 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Consolidation, Car finance
Regulator field
FCA, PRA
Website
firstdirect.com
Trustpilot field (undated)
4.5 · 9,277 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Lloyds Bank

Rep. APR
6.90%
Amount (GBP)
£1,000–£50,000
Term
12–84 months
Funding
1–3 days
  • Min. age 18
Provider details
Products
Personal, Consolidation, Car finance, Mortgage, Credit card, Business
Regulator field
FCA, PRA
Website
lloydsbank.com
Trustpilot field (undated)
4.2 · 11,019 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
8.70%
Amount (GBP)
£1,000–£25,000
Term
12–84 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Credit card
Regulator field
FCA
Prequalification field
Soft search
Website
mbna.co.uk
Trustpilot field (undated)
1.3 · 2,000 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Post Office Money

Rep. APR
13.20%
Amount (GBP)
£1,000–£25,000
Term
12–60 months
Funding
Same day
Provider details
Products
Personal
Regulator field
FCA
Prequalification field
Soft search
Website
postoffice.co.uk
Trustpilot field (undated)
1.8 · 3,740 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
22.90%
Amount (GBP)
£1,000–£50,000
Term
12–84 months
Funding
Same day
  • Min. age 20
Provider details
Products
Personal, Consolidation, Credit card
Regulator field
FCA, PRA
Prequalification field
Soft search
Website
zopa.com
Trustpilot field (undated)
4.6 · 35,796 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Bank of Scotland

Rep. APR
6.90%
Amount (GBP)
£1,000–£50,000
Term
12–84 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal, Car finance, Consolidation
Regulator field
FCA
Website
bankofscotland.co.uk
Trustpilot field (undated)
1.4 · 1,000 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
29.90%
Amount (GBP)
£1,000–£25,000
Term
12–60 months
Funding
Not stated
  • Min. age 18
Provider details
Products
Personal, Credit card, Consolidation
Regulator field
FCA
Prequalification field
Soft search
Website
zable.co.uk
Trustpilot field (undated)
4.8 · 52,149 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Asda Money

Rep. APR
29.90%
Amount
Not stated
Term
Not stated
Funding
Not stated
  • Min. age 18
Provider details
Products
Credit card
Regulator field
FCA
Prequalification field
Soft search
Website
money.asda.com
Trustpilot field (undated)
4.6 · 10,483 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
21.80%
Amount (GBP)
£200–£35,000
Term
24–60 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal
Regulator field
FCA, PRA
Website
monzo.com
Trustpilot field (undated)
4.6 · 59,000 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

118 118 Money

Rep. APR
49.90%
Amount (GBP)
£1,000–£8,000
Term
12–60 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal
Regulator field
FCA
Prequalification field
Soft search
Website
118118money.com
Trustpilot field (undated)
4.8 · 59,383 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Finio Loans

Rep. APR
39.90%
Amount (GBP)
£500–£5,000
Term
12–36 months
Funding
Same day
  • Min. age 18
Provider details
Products
Personal
Regulator field
FCA
Prequalification field
Soft search
Website
oakbrookadvance.com
Trustpilot field (undated)
4.8 · 10,393 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
39.90%
Amount
Not stated
Term
Not stated
Funding
Not stated
  • Min. age 18
Provider details
Products
Credit card
Regulator field
FCA
Prequalification field
Soft search
Website
aquacard.co.uk
Trustpilot field (undated)
4.6 · 15,918 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Vanquis Bank

Rep. APR
42.90%
Amount (GBP)
£250–£3,500
Term
Not stated
Funding
Not stated
  • Min. age 18
Provider details
Products
Credit card, Personal, Car finance
Regulator field
FCA, PRA
Prequalification field
Soft search
Website
vanquis.co.uk
Trustpilot field (undated)
4.3 · 42,888 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Capital One UK

Rep. APR
34.90%
Amount (GBP)
£200–£8,000
Term
Not stated
Funding
Not stated
  • Min. age 18
Provider details
Products
Credit card
Regulator field
FCA
Prequalification field
Soft search
Website
capitalone.co.uk
Trustpilot field (undated)
4.2 · 4,842 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Barclaycard

Rep. APR
28.90%
Amount
Not stated
Term
Not stated
Funding
Not stated
  • Min. age 18
Provider details
Products
Credit card
Regulator field
FCA, PRA
Prequalification field
Soft search
Website
barclaycard.co.uk
Trustpilot field (undated)
1.3 · 4,161 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

American Express UK

Rep. APR
29.10%
Amount
Not stated
Term
Not stated
Funding
Not stated
  • Min. age 18
Provider details
Products
Credit card
Regulator field
FCA
Website
americanexpress.com
Trustpilot field (undated)
1.3 · 833 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Creditstar

Rep. APR
29.70%
Amount (GBP)
up to £10,000
Term
up to 60 months
Funding
Same day
Provider details
Products
Personal, Consolidation
Regulator field
FCA
Website
creditstar.com
Trustpilot field (undated)
2.8 · 19 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.

Rep. APR
66%
Amount
Not stated
Term
Not stated
Funding
Not stated
  • Min. age 18
Provider details
Products
Credit card
Regulator field
FCA
Website
yonder.com
Trustpilot field (undated)
4.6 · 1,450 reviews supplied

Supplied catalogue data; no uniform verification date. Confirm current APR, eligibility, permissions and terms.