Lending Stream Short-Term Loan
Short-Term✦ Individuals with low credit scores needing quick access to funds for emergencies.
APR
99.9–1333.0%
/yr
Amount
£50–£1.5k
Term
3–6mo
Decision
Minutes
Loan Comparison
Compare personal loans
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Representative APR disclosed
Licensed lenders
Recently added
Barclayloan Debt Consolidation
Consolidation✦ Existing Barclays customers who want a seamless in-app experience with the flexibility to top up borrowing later.
APR
4.9–29.9%
/yr
Amount
£1k–£25k
Term
—
Decision
—
✦ This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.
APR
5.9–24.9%
/yr
Amount
£4k–£100k
Term
12–60mo
Decision
Same day decision
Funding Circle Business Loans
Business✦ It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
APR
6.9–29.9%
/yr
Amount
£10k–£500k
Term
72–72mo
Decision
—
Together Money BTL Mortgage
Mortgage✦ Landlords with complex income or non-standard properties who struggle with mainstream lender criteria.
APR
—
/yr
Amount
—
Term
—
Decision
—
Asda Money Personal Loans
Personal✦ 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.
APR
6.9–19.9%
/yr
Amount
£500–£25k
Term
12–60mo
Decision
—
Loqbox Credit Builder
Credit Builder✦ Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.
APR
—
/yr
Amount
—
Term
—
Decision
—
NatWest Debt Consolidation Loan
Consolidation✦ Borrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.
APR
3.9–29.9%
/yr
Amount
£1k–£50k
Term
—
Decision
—
CarFinance 247
Auto✦ This service is best for those who need fast financing for a vehicle and have a clear repayment plan.
APR
8.9–47.0%
/yr
Amount
£1k–£50k
Term
12–60mo
Decision
Instant online
iwoca Business Loans
Business✦ These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.
APR
18.0–49.9%
/yr
Amount
£1k–£500k
Term
1–24mo
Decision
—
Kent Reliance BTL Mortgage
Mortgage✦ Landlords wanting a specialist BTL lender with the backing of a major financial group (OSB)
APR
—
/yr
Amount
—
Term
—
Decision
—
Lloyds Bank Personal Loan
Personal✦ Borrowers with good credit scores looking for flexible loan terms for home improvements or debt consolidation.
APR
3.9–24.9%
/yr
Amount
£1k–£50k
Term
12–60mo
Decision
Minutes
Creditspring Credit Builder Loan
Credit Builder✦ People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.
APR
—
/yr
Amount
—
Term
—
Decision
—
HSBC Personal Loan for Debt Consolidation
Consolidation✦ HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.
APR
3.3–21.9%
/yr
Amount
£1k–£30k
Term
—
Decision
—
✦ Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.
APR
12.9–69.9%
/yr
Amount
£3k–£25k
Term
24–60mo
Decision
Same day decision
Precise Mortgages Specialist Lending
Mortgage✦ Landlords with complex circumstances needing a specialist lender that assesses cases on merit rather than ticking boxes
APR
—
/yr
Amount
—
Term
—
Decision
—
Bamboo Personal Loan
Personal✦ Individuals with credit scores below 600 seeking a personal loan between £1,000 and £8,000.
APR
9.9–69.9%
/yr
Amount
£1k–£8k
Term
12–60mo
Decision
Same day
Wollit Credit Builder
Credit Builder✦ Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.
APR
—
/yr
Amount
—
Term
—
Decision
—
Halifax Debt Consolidation Loan
Consolidation✦ Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.
APR
3.9–29.9%
/yr
Amount
£1k–£50k
Term
—
Decision
—
Oodle Car Finance
Auto✦ This service is ideal for UK residents seeking flexible payment options on used cars, especially those who prefer a soft credit check.
APR
7.9–29.9%
/yr
Amount
£3k–£50k
Term
24–60mo
Decision
Instant decision
Latest from the blog
HSBC Personal Loan: Low Rates, Longer Terms, Real Caveats
HSBC advertises 6.8% representative APR on £7,500–£20,000 loans, with no arrangement fee and terms up to 96 months.
Zopa Personal Loan: Great Rates, But Not for Everyone
Zopa offers personal loans with APRs from 5.9% to 34.9%, suitable for those with solid credit. Approval within minutes but high rates for lower scores.
Lending Stream Short-Term Loan: Emergency Cash, High Cost
Consider only as a last resort. Understand the steep APR before applying.