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Compare Unsecured loans

These unsecured loans can be used to borrow up to £25,000 to repay over a number of years. You could get a better rate and cheaper borrowing if you compare personal loans before you apply.

What is an unsecured loans?

An unsecured personal loan is where you borrow money from a bank or lender and in exchange, agree to make regular repayments for a fixed period of time. It’s not secured against any of your collateral, such as your home, meaning there is no risk to your assets and it’s quick to apply for. Unsecured personal loans tend to be widely available and are more flexible with the loan’s value and repayment terms.

Overall maximum APR example:

Maximum APR

Interest rate

99.9% APR (fixed)

99.9% p.a. (fixed) with 24 instalments of £158.56pm

Based on borrowing

Total amount payable

£2,000 over 2 years

£3,805.44 inc. interest of £1,805.44

It’s important to remember every time you are refused an application for a loan it may impact your credit rating. It is advisable to only apply for the loans that you are confident of being accepted for.

Warning: Late repayments can cause you serious money problems. For more information see our debt help guides.

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What is the difference between secured and unsecured loans?

Loans are either secured or unsecured, you should think about which option would be best for you.

Secured loans are offered against security (i.e. your property or car), which can be used to recoup the lender’s money if you default. All secured loans and some car loans are secured debt.

Unsecured loans are offered against your credit score, which means you don’t have to offer any security to borrow the money. All personal loans are unsecured, as are most bad credit loans (including guarantor loans), debt consolidation loans and car loans.

How much can I borrow with an unsecured loan?

Most unsecured loans let you borrow up to £25,000. However, how much you can borrow will depend on your income and your credit history.

Can I get an unsecured loan if I have bad credit?

Yes, but you may not be able to get the cheapest rates if you have poor credit. Use our comparison to find unsecured bad credit lenders.

What does APR mean?

It stands for annual percentage rate, and is the interest you pay on the total value of your loan. The lower your APR, the lower your monthly payments.

What happens if I miss a payment?

You may be charged a fee and pay more interest because you will owe money for longer.

How long can I borrow for?

Most unsecured loans let you borrow between 1 and 5 years, but you may be able to borrow for longer.

Can I cancel my loan?

Yes, you have a 14 day cooling off period to cancel your loan. But you must pay back any money borrowed during that time, within 30 days of cancelling.

Who do we include in this comparison?

We include unsecured loans you can get in the UK from our panel. Like other comparison sites, we make money when you click through to a product or service, or go on to purchase it after visiting our site. If you use one of our broker services, we make commission after you buy a product, but it doesn’t cost you anything extra. Our comparisons are free for you to use and you get the same or a better deal than going direct.