Unsecured Personal Loans

Our loan experts have selected and displayed a range of the cheapest loans available. Below we have listed our recommended choice of personal loans on the market today for all credit types from excellent, fair and poor credit applicants. Loans shown available from £200 – £25,000.

Do you need to borrow £3K or more and are unsure which lender would be best suited for you? Click here to try the free loan find and broker service from Norton Finance.

All Credit Types
Rated 5 / 5

Norton Finance * Experts Choice

Loan Type
Unsecured & Homeowner Loans

Loan Amount
£3,000 - £250,000 plus

From 2.8%

Loan Term
3 - 25 years

Apply to Norton Finance and their expert loan brokers will search the market to find you a suitable loan at the cheapest rate possible.

Applications taken for both secured loans and unsecured personal loans. Loans can also be arrange quickly for bad credit applicants or those with a low credit score.

Representative example If you borrow £12,000 over 4 years at a Representative APR of 16.9% and an annual interest rate of 16.9% APR (fixed) you would pay £338.36 per month.

Poor Credit
Rated 5 / 5

UK Credit * Guarantor loan

Loan Type
Guarantor | Tenant & Homeowner

Loan Amount
£1,000 - £7,500


Loan Term
3 - 5 Years

Please be aware that this is a loan where you will need to have a guarantor in place.

£4000 over 4 years, representative 39.9% APR fixed. Monthly payment £153.60. Annual interest rate 34.05% fixed. Interest payable £3372.80. Total repayable £7372.80. *Rates from 37.9% APR (fixed) to 59.9% APR (fixed) - rate offered is based upon personal circumstances.

All Credit Types
Rated 5 / 5


Loan Type
Car Finance Broker

Loan Amount
£1,000 - £75,000

5.9% Representative

Loan Term
1 - 5 Years

We make the whole process hassle-free & provide the customers with a helping hand throughout. Our aim is to get the best possible finance deal for our customers, whilst providing an efficient service of the highest quality.

We pride ourselves on the fact that we can help customers in varying financial circumstances, including those that have been refused elsewhere for bad credit, CCJs, defaults and arrears. We're confident that we can find the right car loan for them.

Don't just take our word for it either, 94% of all customers recommend us* with our service receiving 100% positive ratings.


Lending Expert is a credit broker, not a lender

What you need to know about unsecured short term loans

Short term loans application

Firstly, unsecured short term loans, also known as personal loans, are very useful as they allow you to borrow a relatively large amount of money, usually up to £25,000, without having to secure it on your home or any other possessions. Therefore this represents a low risk option for you, the borrower. You can take out a personal loan for many different reasons and although lenders will ask you for your reason for taking out the loan, they do not make any particular judgement about its use, they are more looking for reassurance that you have a purpose for the money and that you are not just going to fritter it away.

Where are the best personal loans from?

The best and cheapest personal loans are available from mainstream lenders, so therefore in order to qualify for these you will need a good credit record and also you will also need to be able to demonstrate that you will be able to pay back the loan at the agreed monthly repayments. Personal loans have competitive interest rates associated with them and you could see loans with interest rates as low as 4%, however it is more normal to see interest rates of around 5% for most applicants with a history of good credit. The loan amount you can borrow varies from lender to lender so you will need to check out all of the options to make sure that when you do apply for your loan it meets your needs and also that you meet all of the criteria needed to take out the loan.

What you need to do

Planning out what you are going to do with the money when you get it is going to take some time and effort, and you should put in at least as much effort into identifying the right loan for you. You will need to look at your own finances and work out what you can afford as monthly repayments. You can then use loan calculators in order to work backwards from here to find out how much you could potentially borrow.

You can then use this information to compare loans and see how much you would pay over the total term of the loan so that you know the long term costs in advance. Once you have carried this research out you will then be in a position to apply for your loan.

Payday loan alternatives

Payday Loans

If you need a short term loan for a month or so for example then you may wish to consider a payday or short term lender. These types of loans are suitable for as the name suggests to get you through until pay day or a month or so. They are expensive and should be used very carefully as a last resort, however they are a better alternative than using unauthorised overdraft borrowing which can incurr even high fees and charges.

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