Low Interest Loans

  • Rates start at 4% APR
  • Representative 14.2% APR
  • Loans for all credit ratings
  • Compare loan deals
  • Use our calculator
  • No Fees
red-headed young man arms folded and smiling

Cheapest Personal Loans

We aim to help find you the lowest interest rate for your personal loan given your particular credit history.

When you use our online enquiry service we only show your enquiry to the relevant selection of lenders. Having got the answers from them we’ll instantly show you the deals available for you to choose from.


Get a Quote Now

The Lowest Rates:

  • Rates start at 4%
  • A wide panel of lenders covering all credit ratings
  • Instant online quote service
  • Same deals as going direct
  • Representative APR 14.2%

Get the Best Rates

Representative Example

Borrow £9,000 for 48 months. Representative 14.2% APR variable. Monthly payment £246.84. Interest payable £2,848.42. Total repayable £11,848.42.

Low Interest Rate Loans

If you have an excellent credit rating then you may find that the best rates available to you are from the high street banks and building societies. Our panel of lenders may find it hard to compete.

Where we can probably help you is if you have a blemished credit rating. Because of this, you may already have already been rejected by one or more high street lenders.

We work with a broad panel of specialist lenders. They each fall into one of two camps when it comes to the lending decision and the rate that they will offer:

  • those lenders who “price to risk” – i.e. they will offer you a loan with an interest rate determined by your credit history. The lower the risk the lower the rate they will charge. Only in some cases will they not make a loan offer.
  • those lenders who operate a simple “go/no go” arrangement – i.e. you either pass or fail the credit rating test. All those who pass are offered the same interest rate.

Low APR Personal Loans

To get the very lowest interest rates you need to:

  • have a perfect credit history
  • borrow a large amount over an extended period
  • shop around to ensure that lenders are competing for your business

But there are obviously other considerations not least:

  • the affordability of monthly repayments
  • the total interest of borrowing the sum you need over the life of the loan

So we would always recommend:

  1. Borrowing the least you can get away with
  2. Repaying the loan as quickly as you can
  3. Ensuring that monthly repayments are affordable as getting behind on payments will damage your credit rating

You can use our personal loan calculator to explore how loan repayments can vary.


Personal Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of the guides may help you. We summarise each type of loan and its pros and cons and address issues regarding debt and credit ratings.


  • No Upfront Fees
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.



rating starrating starrating starrating starrating star

Our reputation is great. In fact we have scored 4.7 out of 5 based on 423 ratings & 61 user reviews for our personal loans service.


FIND A LOAN find a loan now

Answer 4 quick questions and we’ll tell you what kinds of credit may be available to you

GET A QUOTE apply now

Use our quick, simple & secure enquiry form to get a quote now. Compare deals & complete your application.

Written/Reviewed by: Amanda Gillam

rotating loading icon
arrow to return to top