Money guide
Best Personal Loans
Compare on total amount repayable — the representative APR is a marketing figure, not your offer.
Last updated: 2026-08-11
The advertised rate on a personal loan is a representative APR, which only a defined share of accepted applicants must receive. Your offer depends on your credit file, income and the amount and term you request.
The comparable number is the total amount repayable over the full term, including fees.
How we chose
Wallcrest Media shortlists are built from published, verifiable provider documentation and regulatory registers. We do not accept payment for placement or ranking.
- Total cost of credit
- Total repayable across the term, including arrangement fees.
- Rate certainty
- Whether the rate is fixed for the term or variable.
- Early repayment terms
- Any charge for settling early, and how it is calculated.
- Eligibility checking
- Whether the lender offers a soft-search check that does not mark your credit file.
- Hardship handling
- Published forbearance and payment-difficulty procedures.
Comparison of options
These are the attributes we publish for every provider in this category, and exactly how each is defined.
| Attribute | What we verify | Status |
|---|---|---|
| Representative APR | Representative APR and the proportion of accepted customers who receive it. | Verification in progress |
| Loan amounts | Minimum and maximum available. | Verification in progress |
| Term lengths | Available repayment periods. | Verification in progress |
| Fees | Arrangement, early repayment and late fees. | Verification in progress |
We're finalising our verified provider data for this category. Wallcrest Media publishes fees, rates, minimums and terms only after checking them against the provider's own documentation and recording the date we checked. Rather than show unverified figures, we leave this table empty until that work is complete.
“Visit site” buttons are placeholders until commercial relationships exist and are disclosed. No provider has paid for inclusion here, because there is nothing to pay for yet.
See how we review for the verification process.
What to weigh before you choose
- A longer term lowers payments and raises total cost
- Stretching a loan reduces the monthly figure while increasing the interest paid overall.
- Use soft searches first
- Multiple hard applications in a short period can reduce your chance of acceptance.
What every provider entry must publish
No provider appears on a Wallcrest Media money page until each of the following is present and sourced. This is the standard, published so you can hold us to it.
- Provider
- Legal entity supplying the product, its regulator and licence reference.
- Key features
- Capabilities stated in the provider's own documentation, quoted not paraphrased.
- Eligibility
- Residency, age, income, credit or business requirements to be accepted.
- Fees
- Every identifiable charge, each individually sourced.
- Rate / APY / APR
- Headline rate exactly as published, with the date it was verified.
- Pros
- Advantages, each traceable to a verified attribute on the page.
- Cons
- Disadvantages and limitations, held to the same evidential standard.
- Methodology
- How the assessment was carried out, published before providers were assessed.
- Sources
- Links to the provider or regulator documents consulted, with dates.
- Last verified
- Date the whole record was last re-checked end to end.
- Affiliate disclosure
- Whether any link on the page is commercial, shown above the content.
Rates, APYs and fees carry the date our research desk verified them. Where a figure has not been re-verified within our review interval, it is re-checked or removed rather than left to imply it is current. Links marked as commercial are affiliate links, disclosed above.
Provider data to submit or correct? Write to our research desk.