What is the cheapest personal loan in the UK?

Zopa and Sainsbury's Bank consistently offer the lowest APRs from 2.9%. The best rates are typically for loans of £7,500-15,000 over 1-5 years.

Can I get a personal loan with bad credit?

Yes — specialist lenders like 118 118 Money accept lower credit scores, though APRs will be higher (20-40%). Credit unions are also worth checking.

Does applying for a loan affect my credit score?

A full application creates a hard search. Use eligibility checkers (soft search) first to check your odds without affecting your score.

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💵 5 Providers · Instant Comparison

Compare Personal Loans

Tell Sento how much you need and we'll recommend the best lender for your situation.

30+

Lenders compared

2.9%

Best APR

£40k

Max amount

🏅 Zopa🟧 Sainsbury's🛍️ M&S Bank🔴 Tesco Bank⚡ Lending Works

⚠️

Financial products are regulated by the Financial Conduct Authority (FCA). Ensure any provider you choose is FCA authorised. Capital at risk for investments.

Visit Provider — Get Your Quote

Zopa

★

Lowest APR in the UK at 2.9%. Soft search, no early repayment fees.

Lowest RateVisit Zopa →

Sainsbury's Bank

Earn Nectar points on your loan. Amounts up to £40,000.

Best RewardsVisit Sainsbury's →

M&S Bank

No arrangement fees. Competitive rates with M&S rewards.

No FeesVisit M&S Bank →

Tesco Bank

Earn Clubcard points on repayments. Flexible terms up to 7 years.

Best FlexibilityVisit Tesco Bank →

Lending Works

Peer-to-peer lender with fast decisions and competitive rates.

FastestVisit Lending Works →

Sento is an independent comparison service. We may receive a commission if you apply via our links. This does not affect our editorial independence. Always read the terms and conditions before applying for any financial product.

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