Find the right loan
for you, in minutes.
- Compare quotes from 50+ specialist lenders
- Check eligibility without affecting your credit score
- Secured and unsecured options in one place
Check your options from across our lender panel — no impact on your credit score at this stage.
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Which loan is right for you?
Secured loans
Borrow against your home — typically for larger amounts or if you have a complex credit history. Rates can be lower than unsecured, but your property is used as security.
- ✓ £10,000 – £2,000,000
- ✓ Terms 3–30 years
- ✓ Available with adverse credit
- ✓ Homeowners only
Unsecured loans
No property required. Perfect for home improvements, debt consolidation, car purchase or large one-off costs. Quick decisions and no asset at risk.
- ✓ £1,000 – £25,000
- ✓ Terms 1–7 years
- ✓ No security required
- ✓ Available to renters
Based on a loan of £10,000 over 60 months at a fixed rate of 5.9% per annum. Monthly repayment: £191.84. Total amount repayable: £11,510.40. Representative 5.9% APR.
The rate you receive depends on your personal circumstances and credit profile. Not all applicants will qualify for the representative rate shown.
Loan repayment calculator
Slider increases by £1,000 each time.
The longer the loan term, the less you pay each month – but you will end up paying more interest.
The APR you will get is determined by each lender's criteria, and your own financial circumstances.
3% – Excellent credit rating | 40% – Poor credit rating
For simplicity, this slider increases by 1% each time.
This calculator has been designed to give you an idea of how much a loan would cost each month and the amount of interest that you would pay overall for the different loan terms. This is just an example and the actual interest rate you would get depends on your own personal circumstances and lender checks, the amount borrowed, and the terms of the loan.
Compare with other repayment lengths and APR rates
From the information provided, you could borrow £10,000.00 and pay back 72 monthly instalments of £190.60. If this loan was subject to 11.05% APR with no extra fees, then the total amount repayable would be £13,722.98. The figures in this calculator are for illustrative purposes only.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. CleverCompare is an introducer appointed representative of Charles Frank Finance, which is authorised and regulated by the Financial Conduct Authority.
Common questions
Will checking my eligibility affect my credit score?
No. Our initial eligibility check is a soft search — it leaves no footprint on your credit file. A full credit search only happens when you formally apply, and we'll always tell you before that happens.
What's the difference between a secured and unsecured loan?
A secured loan is tied to your property — typically allowing larger amounts and lower rates, but your home is at risk if you don't keep up repayments. An unsecured loan requires no collateral but is usually limited to smaller amounts.
How much can I borrow?
It depends on your circumstances. Unsecured loans typically go up to £25,000. Secured loans can reach £2,000,000+ depending on the equity in your property, your income, and your credit profile.
How long does the process take?
An eligibility check takes around 5 minutes. If you choose to proceed, unsecured loan decisions can be instant or within 24 hours. Secured loans typically take 2–6 weeks due to property valuation requirements.
Important: Information on this page is for guidance only and does not constitute financial advice. Credit is subject to status, affordability and eligibility. Your home may be repossessed if you do not keep up repayments on a secured loan. CleverCompare is an introducer appointed representative of Charles Frank Finance, which is authorised and regulated by the Financial Conduct Authority. 18+. Terms apply.