We have partnered with the lenders below to give you accurate quotes based on their underwriting criteria and your circumstances.
|Sainsbury’s was the first major British supermarket to open a bank, commencing trading in February 1997. The Bank benefits from a fantastic, trusted brand that enables them to combine the shopping experience with personal finance. Sainsburys Bank Read more||About Sainsburys Bank|
|We know creditworthy borrowers want low rates and great service. So that’s what we offer. Applying for a RateSetter loan takes minutes and we try to approve applications instantly. Once approved, your money could be in your account within 24 hours. Ratesetter Read more||About Ratesetter|
|Founded in 2011, Shawbrook is an independent specialist UK savings and lending bank serving UK SMEs and consumers. Shawbrook provide tailored products designed to offer their customers a straightforward alternative to banking on the high street; with a particular focus on products to address a selection of high growth sub-sectors of the overall lending industry. Shawbrook bank Read more||About Shawbrook bank|
|Creation Consumer Finance Limited, along with Creation Financial Services Limited (together “Creation”), is part of BNP Paribas Personal Finance, committed to providing responsible consumer finance. Creation Read more||About Creation|
|Established in 2005, Everyday Loans Limited is an independent lender now owned by Non-Standard Finance. Providing a straightforward financial solution for UK borrowers, Everyday Loans Limited arranges local face-to-face appointments with new customers before finalising loans. Everyday Loans Read more||About Everyday Loans|
|Established in 2004, 1st Stop offers a range of unsecured loans for homeowners and tenants and second charge mortgages for homeowners. 1st Stop specialises in helping those who are unable, or choose not to borrow from high street lenders. 99% of customers would recommend 1st Stop to friends or family. 1st Stop Group Read more||About 1st Stop Group|
|One of the UK’s leading peer-to-peer lending services, rewarding people who are good with their money by providing low rate loans and high interest returns. Zopa Read more||About Zopa|
|The Lending Works is a peer-to-peer lending platform which matches shrewd lenders with creditworthy personal loan borrowers, so both receive a much better deal. Lending Works Read more||About Lending Works|
|AvantCredit is an online personal loan lender. It uses computer modelling and publicly available information to make lending decisions. Their computer software also helps to speed up the process of applying for a loan and receiving funds and as a result, AvantCredit can fund customers often within 24 hours. AvantCredit Read more||About AvantCredit|
|Bamboo are a lender of unsecured and guarantor loans offering affordable rates based on your credit profile. With their efficient and quick online approval process you can borrow up to £8,000 and get money in your bank on the same day, subject to check. Bamboo loans are specially tailored for customers with poor or bad credit who are unable to borrow from high street lenders. A guarantor may be required on some applications. Representative 49.7% APR. Bamboo Read more||About Bamboo|
|Likely Loans, owned by Oakbrook Finance, provides unsecured personal loans developed for people who may be experiencing difficulty in obtaining credit. You can check your eligibility and apply for a Likely Loan online using their simple application form. In most cases you will receive an instant decision. Likely Loans Read more||About Likely Loans|
|Founded in 2011, Shawbrook is an independent specialist UK savings and lending bank serving UK SMEs and consumers. Shawbrook provide tailored products designed to offer their customers a straightforward alternative to banking on the high street; with a particular focus on products to address a selection of high growth sub-sectors of the overall lending industry. Shawbrook Read more||About Shawbrook|
|Together has been delivering specialist finance for over 40 years. They’ve never been interested in a one-size-fits-all approach, instead, using their wealth of expertise and industry know-how they assess individual circumstances to find a way to help. Together Read more||About Together|
|With approximately 250 employees, Norton Finance is one of the UK’s longest established independent finance brokers and is proud of a senior management team who possess over 200 years of experience in the lending market. The Norton Group of Companies provides a wide selection of financial products and related services. Norton Home Loans Read more||About Norton Home Loans|
|The CT Capital PLC group of companies has been providing second charge mortgages (formerly secured loans) to UK borrowers since 1988. Central Trust is an independently owned specialist second charge mortgage lender in the UK and are part of the CT Capital group. Central Trust Read more||About Central Trust|
|Established in 2004, 1st Stop offers a range of unsecured loans for homeowners and tenants and second charge mortgages for homeowners. 1st Stop specialises in helping those who are unable, or choose not to borrow from high street lenders. 99% of customers would recommend 1st Stop to friends or family. 1st Stop Read more||About 1st Stop|
|Originally launched as a loans management company, Prestige Finance is part of the OneSavings Bank Group, having been acquired in September 2012 by the pioneering lender that is establishing itself in the UK financial services sector. Prestige Read more||About Prestige|
|Precise Mortgages was established in May 2010 and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Precise Read more||About Precise|
|United Trust Bank was founded in 1955 and has gained a strong reputation as a successful specialist bank with a deep understanding of property lending. United Trust Bank’s range of specialised mortgage products offers individual underwriting expertise and a focus on exemplary service. United Trust Bank Read more||About United Trust Bank|
|Cardiff-based Optimum Credit Ltd were established in 2014 by 5 directors with circa 60 years combined experience of second charge lending. Optimum are funded by RBS, Natixis Bank and their parent company Patron Capital Partners. Optimum Credit Read more||About Optimum Credit|
Why are you not showing quotes for every lender in the UK?
Our main focus is to offer you a competitive product given your personal circumstances and give you an instant online yes/no decision from our lenders. Not all lenders can give you an answer that quickly. Some don’t have the technology. Some have it but it can’t be used online. As more lenders develop and open up their systems, we will be able to add them to our panel. It is also a fact that there is very little risk differentiation between prime unsecured lenders. We are therefore confident that our panel represents a “whole of market” choice.
How do you make sure you have the best rate?
Some of the best lenders in the UK have been able to join our panel because they have instant online decision capability. Of course, there may be other lenders able to provide different rates — but you will have to try them all to find out! Ultimately, we are an unbiased and independent loan broker and it is key to our success that we carefully manage our panel to make sure that the rates we show are among the best in the market.
Do you guarantee the rates you show?
We determine the rates by combining data provided by you, credit history information from Equifax and criteria supplied by our lending partners. If any information changes between the time we make a quote and the time the loan agreement is signed, the rates may change. If the information stays the same, then the rate quoted is the rate you get (our engine has proven to be over 90% accurate).
Why am I not eligible for a loan?
For both secured loans and unsecured loans, lenders will first look at your credit history and how you have conducted your previous and current credit or loan accounts.
Then, they must consider affordability, which, put simply, means the lender must decide if you can afford the loan based on your income and outgoings.
For secured loans (which by their nature are secured against property), they will also consider the equity in the property against which the loan is secured. This equity is the difference between the value of the property and the outstanding mortgage balance.
Based on the areas of credit history, affordability and equity (for secured loans only) the lender makes a risk assessment of how likely is it that the borrower will repay the loan. If the risk is too high, the borrower will be declined for the loan. If the risk is acceptable, then the lender will (subject to other minimum requirements) make a loan offer.
We cannot provide you with individual reasons for applications not being accepted.
What happens once the loan application has been submitted?
For unsecured loans, the lender will contact you within 24 hours to make the final arrangement for processing your loan.
For secured loans, we will contact you within the next 24 hours to talk you through your options and quotes and let you know what documents you will need to send to us. Once we have received all the related paperwork, your application will be passed to the lender to complete your loan and send you the money.
If your question or issue is not answered here, you can still contact us.