Everything you need before applying for a UK loan. Check eligibility, calculate repayments, compare offers, simulate your credit score and find out if paying off early saves you money.
Applying for a loan without doing the numbers first is one of the most expensive mistakes you can make. A 3% APR difference on a £10,000 loan over 3 years costs over £900 in extra interest. Our loan calculators give you the complete picture before you speak to a lender — and before risking a hard search on your credit file.
Representative APR for UK personal loans ranges from around 3.5% (excellent credit, £7,500–£25,000) to 39.9%+ (fair credit, small loans). Most borrowers with good credit should aim for under 10% APR. Use our comparison calculator to evaluate any offer you receive against the market.
Debt consolidation makes sense when the new rate is meaningfully lower than your blended current rate AND the term isn't so long that you pay more interest overall. Our calculator shows both the monthly saving and the total cost — because a lower monthly payment with a much longer term can actually cost more.