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Personal loans from banks

Personal loans of up to £25,000 for any purpose

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Personal Loans

  • Loans up to £25,000
  • Tenants & Homeowners
  • Use for any purpose
  • Less than perfect credit
  • Free enquiry service

Personal Loans from a Bank

Traditionally people have had very close relationships with their local bank branch. But times have changed. Banks don't reward loyalty and since the financial crisis of 2008 they have become very risk averse.

So whereas in the old days you might have gone to your bank for a loan today's internet means the options open to you now are much, much greater.

And you may need to look further afield as banks will only compete for your loan business if you have a very good credit rating.

Avoid Banks Because:

  • Bank lending policies favour good credit ratings
  • Banks are risk averse - they hate the possibility of loss
  • They only offer the best rates to those with the best credit ratings
  • You need the widest choice

As a broker we have a wider range of lenders offering much more choice. Our service is free.

Which Banks Offer Personal Loans?

All high street banks - HSBC, Lloyds, Natwest, Barclays, Halifax, Santander, Nationwide etc. - offer personal loans. The problem is that these banks will only offer personal loans to people who have the best credit ratings. For those people the banks will fall over each other to lend money. And because of the degree of competition between them the rates they are offering are at historically low rates.

To get a bank loan often means dealing with banks one by one only to discover that they don't feel able to lend to you. That's a lot of time spent applying and a lot of disappointment suffered.

Surely there's a better way?

Best Banks to Get a Personal Loan with Bad Credit?

The quick answer to this is that banks won't lend to you if you have a bad credit history. They are simply too risk averse. Other lenders have stepped in to fill this space and ironically are often funded by the banks to do this job!

So, if your credit rating is not perfect and you would like a personal loan of £1000 to £25,000 then you need to use our free enquiry service to find the loan you need. Working through us means you'll quickly discover your loan options and get access to these specialist poor credit lenders. And we can assure you that you'll get the same deals as going direct.

Which Bank is best for Personal Loans?

If your credit rating is strong then you'll find that banks will compete hard for your business and you will be able to get a low interest rate. We can't tell you which is best, but we can tell you that without a clean credit history the banks won't be interested in your business.

So in the situation where you have had some form of credit problem you can use our free enquiry service to find a specialist personal loan lender to meet your needs. Our free service will allow you to compare loan offers and to judge which, if any, is right for you.

All About Personal Loans

Representative Example

Loan Amount


Monthly Repayment


Loan Term

48 mnths

Total Repayment


Representative APR


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When it comes to getting you your personal loan our online service is second to none. In fact has scored 4.7 out of 5 based on 423 ratings & 61 user reviews for its personal loans service.

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