Decide how long to borrow for

A small change to your loan term could make a difference to the rate we offer. You could try getting a quote for a slightly different term (for example – 37 months instead of 36) to see if it changes your rate.

Before you apply for a loan, think carefully about what you can afford to pay back each month.

Increase or decrease your loan amount

We have different rates for different loan amounts. In some cases, borrowing more could mean you pay back less.

It’s worth checking whether you could get a better rate by increasing or reducing the amount you borrow.


Depending on the rates you're offered, for a 4 year loan, you could borrow:

  • £4,950 at 9.9% per annum and pay back £5,967, or
  • £5,000 at 3.9% per annum and pay back £5,401

In this example, you’d save £566 by borrowing £50 more.

Interest rate ranges

Interest rate ranges for different personal loan amounts.
Loan amount Interest rate per annum
£1,000 to £2,999 13.9% to 24.9%
£3,000 to £4,999 9.9% to 24.9%
£5,000 to £7,499 3.9% to 24.9%
£7,500 to £25,000 2.9% to 24.9%

Get multiple quotes

You can get as many quotes as you like to help you compare rates and how much you'll pay back overall. This won't affect your credit score, or your ability to apply for lending in future.

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