Rate breakdowns and lender snapshots — no hype, just honest comparisons.
18+
UK homeowner
Good credit
APR
4.9–14.9%
Term
12–120mo
Amount
£1k–£25k
Type
Home_improvement
APR
99.9–1333.0%
Term
3–6mo
Amount
£50–£1.5k
Type
Personal
APR
6.9–29.9%
Term
72–72mo
Amount
£10k–£500k
Type
Business
APR
8.9–47.0%
Term
12–60mo
Amount
£1k–£50k
Type
Auto
APR
6.9–19.9%
Term
12–60mo
Amount
£1k–£25k
Type
Personal
UK registered business
Active Tide business account
6+ months trading history
APR
9.9%
Term
1–36mo
Amount
£2k–£150k
Type
Business Loan
UK resident
Aged 18+
Regular income
APR
5.9–24.9%
Term
12–60mo
Amount
£4k–£100k
Type
Car_finance
UK resident
18+
1-2-3 account for best rate
APR
5.3–21.9%
Term
12–60mo
Amount
£1k–£25k
Type
Personal
APR
18.0–49.9%
Term
1–24mo
Amount
£1k–£500k
Type
Business
APR
5.9–24.9%
Term
12–60mo
Amount
£4k–£75k
Type
Car_finance
APR
5.9–34.9%
Term
12–60mo
Amount
£1k–£35k
Type
Personal
UK resident
Age 18+
Valid UK driving licence
APR
12.9–69.9%
Term
24–60mo
Amount
£3k–£25k
Type
Hire_purchase
APR
5.9–24.9%
Term
12–60mo
Amount
£1k–£25k
Type
Personal
UK resident
Aged 18+
Minimum income £1,000/month
APR
7.9–29.9%
Term
24–60mo
Amount
£3k–£50k
Type
Car_finance
APR
5.1–29.9%
Term
12–60mo
Amount
£1k–£25k
Type
Personal
APR
4.9–19.9%
Term
12–60mo
Amount
£4k–£100k
Type
Car_finance
APR
6.0–19.9%
Term
12–84mo
Amount
£1k–£35k
Type
Personal
UK resident
Age 18+
Valid UK driving licence
APR
8.9–49.9%
Term
24–60mo
Amount
£1k–£75k
Type
Car_finance
APR
3.9–24.9%
Term
12–60mo
Amount
£1k–£50k
Type
Personal
APR
8.1–48.9%
Term
12–60mo
Amount
£1k–£25k
Type
Personal
A head-to-head comparison of top car finance options this July
Compare top personal loans for July 2026 — low rates, quick approvals
Explore top car finance picks tailored for those with bad credit
