{ "_site": "Personal Loan Cost Calculator", "_url": "https://allthefees.com/personal-loan-cost-calculator", "_updated": "2026-08-25", "_license": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/", "_attribution": "Personal Loan Cost Calculator (https://allthefees.com/personal-loan-cost-calculator)", "_method": "https://allthefees.com/personal-loan-cost-calculator/method", "_note": "Every figure comes from the provider's own published pricing page. Fields listed in `unconfirmed` are not stated publicly by the provider. price_visibility separates what a provider does not publish from what we could not read. No computed values are stored; see _method.", "rows": [ { "key": "sofi", "brand": "SoFi", "lender_url": "https://www.sofi.com", "rates_url": "https://www.sofi.com/personal-loans/", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.99, "apr_max": 35.49, "apr_basis": "with_autopay", "autopay_discount_pct": 0.25, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 5000, "amount_max": 100000, "term_min_months": 24, "term_max_months": 84, "orig_fee_min_pct": 0, "orig_fee_max_pct": 7, "orig_fee_deducted": true, "late_fee": "no late fees whatsoever", "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "Same Day Funding means that most borrowers receive funds the same day when loan is approved and the loan agreement is signed by 5:30 PM ET on a business day.", "states_excluded": null, "rate_disclosure": "Fixed rates from 6.99% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount. SoFi rate ranges are current as of 8/25/26 and are subject to change without notice.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "min_credit_score", "soft_pull_prequal", "states_excluded", "parent_company" ], "notes": "SoFi's rate reduction footnote: a 0.25% interest rate reduction for enrolling in autopay, plus an additional 0.25% reduction for SoFi Plus subscription / qualifying direct deposits. Several other SoFi URLs (e.g. /personal-loan/, /legal/rates-fees/, /legal/personal-loan-origination-disclosure/) returned 404 or required JavaScript on 2026-08-25, so max APR, amounts, terms, fees and credit-score requirements could not be confirmed from an official page. Source: https://www.sofi.com/personal-loans/ Loan amounts range from $5,000-$100,000. 'The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.' 'Choose from 2-7 year terms.' The origination fee is optional (taken in exchange for a lower rate); the page also says 'no origination fees required'. The 6.99% floor also assumes a 0.25% member rate discount. Read in the requester's Chrome (Claude in Chrome) on 2026-08-25." }, { "key": "upstart", "brand": "Upstart", "lender_url": "https://www.upstart.com", "rates_url": "https://www.upstart.com/personal-loans", "market": "US", "category": "marketplace", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.3, "apr_max": 35.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 75000, "term_min_months": 36, "term_max_months": 60, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Get funds sent in as fast as 1 business day; funds will be transferred the next business day.", "states_excluded": null, "rate_disclosure": "All personal loans through Upstart offer a fixed interest rate and range between 6.3% - 35.99%.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "min_credit_score", "states_excluded", "parent_company" ], "notes": "\"Upstart is not the lender. All loans on Upstart's marketplace are made by regulated financial institutions.\" Representative example (footnote): a $10,000 loan for 60 months, 19.08% interest rate, 8.15% origination fee ($815), for an APR of 23.37% — this is a single example, not a stated fee range, so orig_fee_min_pct/max_pct are left unconfirmed. Minimum loan amounts vary by state (e.g. GA $3,100, HI $1,500, MA $7,000). Source: https://www.upstart.com/personal-loans" }, { "key": "lightstream", "brand": "LightStream", "lender_url": "https://www.lightstream.com", "rates_url": "https://www.lightstream.com/personal-loans", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 7.24, "apr_max": 24.89, "apr_basis": "with_autopay", "autopay_discount_pct": 0.5, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": null, "amount_max": null, "term_min_months": 24, "term_max_months": 240, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "As soon as today if your loan documents are completed and signed by 2:30 p.m. Eastern time.", "states_excluded": null, "rate_disclosure": "Low fixed rates from 7.24%-24.89% APR with AutoPay. Rates without AutoPay are 0.50% points higher. Maximum APR for a LightStream loan is 25.39%. Loan terms range from 24 - 240 months depending on the loan type.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "amount_min", "amount_max", "orig_fee_deducted", "min_credit_score", "soft_pull_prequal", "states_excluded", "parent_company" ], "notes": "Rates vary by loan purpose (auto, home improvement, debt consolidation, etc.) and specific numeric APR min/max figures could not be extracted from https://www.lightstream.com/personal-loans or the LightStream homepage on 2026-08-25 (loan-purpose rate tables appear to require interactive selection); treated as not_readable for APR. LightStream states it \"only approves good-to-excellent credit profiles.\" Florida residents subject to a documentary stamp tax of \"slightly more than .0035 times your loan amount (or just over $35 for a $10,000 loan).\" Rate shown is for the default purpose on lightstream.com (rates vary by loan purpose). 'Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.' Loan amounts not stated on the page read. Read in the requester's Chrome (Claude in Chrome) on 2026-08-25." }, { "key": "discover", "brand": "Discover", "lender_url": "https://www.discover.com", "rates_url": "https://www.discover.com/personal-loans/", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.99, "apr_max": 24.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 2500, "amount_max": 40000, "term_min_months": 36, "term_max_months": 84, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": false, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Funds can be sent as early as the next business-day after acceptance.", "states_excluded": null, "rate_disclosure": "6.99%-24.99% APR. \"No fees. Period.\" \"Your APR will be between [low] and [high] based on creditworthiness at time of application for amounts between $2,500-$40,000 and loan terms of 36, 48, 60, 72 and 84 months.\"", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "late_fee", "min_credit_score", "states_excluded", "parent_company" ], "notes": "\"State restrictions may apply\" but specific excluded states not listed on the fetched page. Source: https://www.discover.com/personal-loans/" }, { "key": "avant", "brand": "Avant", "lender_url": "https://www.avant.com", "rates_url": "https://www.avant.com/personal-loans/", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 9.95, "apr_max": 35.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 2000, "amount_max": 35000, "term_min_months": 24, "term_max_months": 60, "orig_fee_min_pct": null, "orig_fee_max_pct": 9.99, "orig_fee_deducted": true, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Personal loan funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday.", "states_excluded": null, "rate_disclosure": "9.95%-35.99% APR. \"Administration fee up to 9.99%.\" Example: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "orig_fee_min_pct", "late_fee", "prepay_penalty", "min_credit_score", "states_excluded", "parent_company" ], "notes": "Page states \"Applications for residents in the state of [state] are not currently accepted\" but the specific excluded state(s) were not populated in the fetched content on 2026-08-25. Source: https://www.avant.com/personal-loans/" }, { "key": "lendingclub", "brand": "Happen", "lender_url": "https://www.happen.com", "rates_url": "https://www.happen.com/personal-loan", "market": "US", "category": "marketplace", "parent_company": "Happen, Inc.", "parent_src": "https://www.happen.com/personal-loan", "price_published": true, "price_visibility": "published", "apr_min": 5.96, "apr_max": 35.96, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 75000, "term_min_months": 24, "term_max_months": 84, "orig_fee_min_pct": 0, "orig_fee_max_pct": 8.0, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "64% of Happen Personal Loans that were approved for funding were disbursed within 24 hours.", "states_excluded": [ "U.S. territories" ], "rate_disclosure": "Loan APRs range from 5.96% APR to 35.96% APR. Loan amounts range from $1,000 to $75,000, and loan term lengths range from 24 months to 84 months.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score" ], "notes": "As of 2026-08-25, lendingclub.com/personal-loan (302) redirects to https://www.happen.com/personal-loan. The destination page's title tag reads \"Happen Bank, formerly LendingClub | Personal Loans & Banking\" and its meta description states \"Happen Bank, formerly LendingClub.\" Page text: \"all credit and deposit products are provided by Happen Bank, N.A., Member FDIC...a wholly-owned subsidiary of Happen, Inc.\" and \"we look for your investors on our marketplace\" — i.e. LendingClub has rebranded to Happen (Happen Bank, N.A.), retaining a marketplace/investor-funding structure. \"Checking your rate from Happen Bank has no impact to your credit score because a soft credit pull is used.\" \"We accept applications from all U.S. states and Washington, D.C. We do not accept applications from the U.S. territories.\"" }, { "key": "upgrade", "brand": "Upgrade", "lender_url": "https://www.upgrade.com", "rates_url": "https://www.upgrade.com/personal-loans/", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 7.74, "apr_max": 35.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 50000, "term_min_months": 24, "term_max_months": 84, "orig_fee_min_pct": 1.85, "orig_fee_max_pct": 9.99, "orig_fee_deducted": true, "late_fee": "Late payments or other fees, as noted in your Borrower Agreement, may increase the cost.", "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Within 1 business day of clearing necessary verifications; funds availability is dependent upon your bank's transaction processing time and may take up to 2 weeks.", "states_excluded": null, "rate_disclosure": "Annual Percentage Rates (APRs) of 7.74%-35.99%. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "min_credit_score", "states_excluded", "parent_company" ], "notes": "Origination fee \"1.85%-9.99% origination fee, which is deducted from the loan proceeds.\" Source: https://www.upgrade.com/personal-loans/" }, { "key": "best-egg", "brand": "Best Egg", "lender_url": "https://bestegg.com", "rates_url": "https://bestegg.com/personal-loans/", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.99, "apr_max": 35.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 2000, "amount_max": 50000, "term_min_months": 36, "term_max_months": 60, "orig_fee_min_pct": 0.99, "orig_fee_max_pct": 9.99, "orig_fee_deducted": true, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days.", "states_excluded": [ "Iowa", "Vermont", "West Virginia", "District of Columbia", "U.S. Territories" ], "rate_disclosure": "Annual Percentage Rates (APRs) range from 6.99%–35.99%. Best Egg loans include an origination fee of up to 9.99%. If funded, the origination fee will be deducted from your loan proceeds.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "late_fee", "min_credit_score", "parent_company" ], "notes": "\"Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia or U.S. Territories.\" Source: https://bestegg.com/personal-loans/" }, { "key": "prosper", "brand": "Prosper", "lender_url": "https://www.prosper.com", "rates_url": "https://www.prosper.com/personal-loans", "market": "US", "category": "marketplace", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 8.99, "apr_max": 35.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 2000, "amount_max": 50000, "term_min_months": 24, "term_max_months": 72, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": false, "min_credit_score": 640, "soft_pull_prequal": true, "funding_days": "Funds as soon as 1 business day.", "states_excluded": null, "rate_disclosure": "APRs on fixed rate loans through Prosper range from 8.99% to 35.99%. Your credit worthiness determines the APR on your offer.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "states_excluded", "parent_company" ], "notes": "\"Our partner, WebBank, issues personal loans based on creditworthiness.\" Page lists \"Origination fee\" and \"Late fee\" as fee types that exist but does not state specific percentages/amounts in the fetched content; a dedicated rates-and-fees page (prosper.com/personal-loans/rates-and-fees) returned 404 on 2026-08-25. Source: https://www.prosper.com/personal-loans" }, { "key": "happy-money", "brand": "Happy Money", "lender_url": "https://www.happymoney.com", "rates_url": "https://www.happymoney.com", "market": "US", "category": "marketplace", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 8.95, "apr_max": null, "apr_basis": "with_autopay", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 5000, "amount_max": 50000, "term_min_months": null, "term_max_months": null, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": null, "states_excluded": null, "rate_disclosure": "Rates as low as 8.95% APR with autopay. Checking your rate is free and won't impact your credit score.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "apr_max", "autopay_discount_pct", "term_min_months", "term_max_months", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "funding_days", "states_excluded", "parent_company" ], "notes": "\"Funded by community-focused lending partners\" indicates a marketplace model. The homepage references footnote markers (*, ‡) whose full text was not present in the fetched content, so term length, fees, credit score, funding time and state exclusions could not be confirmed on 2026-08-25. Source: https://www.happymoney.com" }, { "key": "achieve", "brand": "Achieve", "lender_url": "https://www.achieve.com", "rates_url": "https://www.achieve.com/personal-loans", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.25, "apr_max": 35.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 5000, "amount_max": 50000, "term_min_months": 24, "term_max_months": 60, "orig_fee_min_pct": 1.99, "orig_fee_max_pct": 9.99, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": false, "min_credit_score": 560, "soft_pull_prequal": true, "funding_days": "Funds sent in 24–72 hours; funds are securely transferred in as little as 1-3 days.", "states_excluded": null, "rate_disclosure": "Annual Percentage Rates for Achieve personal loans range from 6.25% to 35.99% and include applicable origination fees that vary from 1.99% to 9.99%.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "orig_fee_deducted", "late_fee", "states_excluded", "parent_company" ], "notes": "Minimum credit score is 560 generally, but \"minimum 660 for loans of $35k or more for debt consolidation.\" Source: https://www.achieve.com/personal-loans" }, { "key": "lendingpoint", "brand": "LendingPoint", "lender_url": "https://www.lendingpoint.com", "rates_url": "https://www.lendingpoint.com/personal-loans/", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 7.99, "apr_max": 35.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 36500, "term_min_months": 24, "term_max_months": 72, "orig_fee_min_pct": null, "orig_fee_max_pct": 10, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "If approved, the funds could be in your account as soon as the next business day.", "states_excluded": [ "Nevada", "West Virginia" ], "rate_disclosure": "Personal loans from $1,000 to $36,500 with flexible financing options and rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Origination or other fees up to 10% may apply depending upon your state.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "orig_fee_min_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "parent_company" ], "notes": "Source: https://www.lendingpoint.com/personal-loans/" }, { "key": "onemain", "brand": "OneMain Financial", "lender_url": "https://www.onemainfinancial.com", "rates_url": "https://www.onemainfinancial.com/personal-loans", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 11.99, "apr_max": 35.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1500, "amount_max": 30000, "term_min_months": 24, "term_max_months": 60, "orig_fee_min_pct": 1, "orig_fee_max_pct": 10, "orig_fee_deducted": null, "late_fee": "Late fees range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.", "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Money in hand as soon as 1 hour after loan closing via SpeedFunds (requires disbursement to a bank-issued debit card); if paid by check or ACH, availability may take approximately 1-2 business days.", "states_excluded": null, "rate_disclosure": "Fixed rates ranging from 11.99% – 35.99% APR. OneMain loans include origination fees ranging from 1% to 10% of your loan amount subject to certain state limits.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "orig_fee_deducted", "prepay_penalty", "min_credit_score", "states_excluded", "parent_company" ], "notes": "State-specific loan-amount restrictions noted for AL, CA, GA, ND, OH, VA, NC, ME and WV, but not presented as a simple excluded-state list. Sources: https://www.onemainfinancial.com/personal-loans and https://www.onemainfinancial.com/legal/loan-fees" }, { "key": "universal-credit", "brand": "Universal Credit", "lender_url": "https://www.universalcredit.com", "rates_url": "https://www.universalcredit.com/personal-loans", "market": "US", "category": "marketplace", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 11.69, "apr_max": 35.99, "apr_basis": "with_autopay", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": null, "amount_max": 50000, "term_min_months": 36, "term_max_months": 60, "orig_fee_min_pct": 5.25, "orig_fee_max_pct": 9.99, "orig_fee_deducted": true, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": null, "states_excluded": null, "rate_disclosure": "Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99% and a 5.25%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Repayment terms from 36 to 60 months.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "autopay_discount_pct", "amount_min", "late_fee", "min_credit_score", "soft_pull_prequal", "funding_days", "states_excluded", "parent_company" ], "notes": "Every fetch attempt against universalcredit.com on 2026-08-25 (root domain with and without www, /personal-loans, /personal-loan, /how-it-works, /rates, /loans) failed with either a robots.txt fetch error or a 404, so no page content could be read. category is a provisional placeholder pending a readable official page. Official example: '$10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62.' Loans are made by partner banks (Universal Credit is an Upgrade brand). Read in the requester's Chrome (Claude in Chrome) on 2026-08-25." }, { "key": "reach", "brand": "Reach Financial", "lender_url": "https://www.reach.com", "rates_url": "https://www.reach.com/personal-loan", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "not_readable", "apr_min": null, "apr_max": null, "apr_basis": null, "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": null, "amount_max": null, "term_min_months": null, "term_max_months": null, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": null, "states_excluded": null, "rate_disclosure": null, "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "apr_min", "apr_max", "apr_basis", "autopay_discount_pct", "amount_min", "amount_max", "term_min_months", "term_max_months", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "soft_pull_prequal", "funding_days", "states_excluded", "parent_company" ], "notes": "reachfinancial.com (302) redirects to https://www.reach.com/. Both https://www.reach.com/ and https://www.reach.com/personal-loan returned only meta tags and a \"You need to enable JavaScript to run this app\" message on 2026-08-25 — page title \"Reach Financial: Personal Loans\", meta description \"Reach Financial provides innovative personal loans designed to help you pay down debt faster.\" No APR, fee, amount or term figures were readable." }, { "key": "citi", "brand": "Citi", "lender_url": "https://www.citi.com", "rates_url": "https://www.citi.com/personal-loans", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 9.99, "apr_max": 17.49, "apr_basis": "with_autopay", "autopay_discount_pct": 0.5, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 2000, "amount_max": 30000, "term_min_months": 12, "term_max_months": 60, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": false, "late_fee": "Citi charges no late fees or prepayment penalty.", "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Most customers get funds as soon as the same business day when deposited directly to a Citi® bank account or within 2 business days when deposited to a non-Citi® bank account.", "states_excluded": null, "rate_disclosure": "Rates as of 2-14-2026. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "min_credit_score", "states_excluded" ], "notes": "\"No Origination Fees. No fees whatsoever.\" Maximum loan amount is up to $50,000 for existing Citi customers with eligible accounts, versus $30,000 for new customers. Source: https://www.citi.com/personal-loans" }, { "key": "wells-fargo", "brand": "Wells Fargo", "lender_url": "https://www.wellsfargo.com", "rates_url": "https://www.wellsfargo.com/personal-loans/", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.74, "apr_max": 26.74, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 3000, "amount_max": 100000, "term_min_months": 12, "term_max_months": 84, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": false, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Most customers receive their funds the same day they're approved; 97% received their funds the day they signed.", "states_excluded": null, "rate_disclosure": "Rates as low as 6.74% to 26.74% APR. The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "late_fee", "min_credit_score", "states_excluded", "parent_company" ], "notes": "\"We only offer personal loans to existing Wells Fargo customers\" who have been \"a Wells Fargo customer for at least 12 months.\" \"Late fees may still be assessed\" (no amount disclosed). Source: https://www.wellsfargo.com/personal-loans/" }, { "key": "us-bank", "brand": "U.S. Bank", "lender_url": "https://www.usbank.com", "rates_url": "https://www.usbank.com/loans-credit-lines/personal-loans-and-lines-of-credit.html", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "quote_only", "apr_min": null, "apr_max": null, "apr_basis": null, "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 50000, "term_min_months": null, "term_max_months": null, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": null, "states_excluded": null, "rate_disclosure": "The annual percentage rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "apr_min", "apr_max", "apr_basis", "term_min_months", "term_max_months", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "soft_pull_prequal", "funding_days", "states_excluded", "parent_company" ], "notes": "U.S. Bank Personal Loans and Lines of Credit require an existing U.S. Bank personal checking account for most products (Personal Loan: existing customers up to $50,000, up to $25,000 for non-customers; Simple Loan: existing customers only, $100-$1,000). The only numeric APR range found on the fetched page, \"10.75% to 20.75% APR,\" applies to the variable-rate Personal Line of Credit, not the fixed-rate installment Personal Loan itself, so apr_min/apr_max are left null/unconfirmed for this row. Source: https://www.usbank.com/loans-credit-lines/personal-loans-and-lines-of-credit.html" }, { "key": "pnc", "brand": "PNC", "lender_url": "https://www.pnc.com", "rates_url": "https://www.pnc.com/en/personal-banking/borrowing/personal-loans/unsecured-personal-loan.html", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": null, "apr_max": 25.29, "apr_basis": "with_autopay", "autopay_discount_pct": 0.25, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 5000, "amount_max": 35000, "term_min_months": 12, "term_max_months": 60, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": false, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "If approved, you can go to a branch to sign your loan documents or may be eligible to sign electronically to immediately receive your funds.", "states_excluded": null, "rate_disclosure": "Your APR will not exceed 25.29% and lower rates are available to qualified applicants. APRs that will display include a 0.25% discount for automated payment from a PNC checking account.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "apr_min", "late_fee", "min_credit_score", "soft_pull_prequal", "states_excluded", "parent_company" ], "notes": "Must be \"enrolled in PNC Online Banking to apply online\"; non-customers may call or schedule a branch appointment. Source: https://www.pnc.com/en/personal-banking/borrowing/personal-loans/unsecured-personal-loan.html" }, { "key": "td-bank", "brand": "TD Bank (TD Fit Loan)", "lender_url": "https://www.td.com", "rates_url": "https://www.td.com/us/en/personal-banking/personal-loan", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 7.99, "apr_max": 23.99, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 2000, "amount_max": 50000, "term_min_months": 36, "term_max_months": 60, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": false, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "Funds are generally deposited electronically via ACH for delivery next business day if approved by 4:30 p.m. ET.", "states_excluded": null, "rate_disclosure": "Interest rates range from 7.99% to 23.99%. Your interest rate is based on your financial information and credit worthiness.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "late_fee", "min_credit_score", "soft_pull_prequal", "states_excluded", "parent_company" ], "notes": "\"A TD Fit Loan is available to residents of CT, NJ, DE, NY, Washington, D.C., NC, FL, PA, ME, RI, MD, SC, MA, VT, NH and VA\" (an inclusion list, not an explicit exclusion list, so states_excluded left unconfirmed). Source: https://www.td.com/us/en/personal-banking/personal-loan" }, { "key": "penfed", "brand": "PenFed Credit Union", "lender_url": "https://www.penfed.org", "rates_url": "https://www.penfed.org/personal-loans", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.09, "apr_max": null, "apr_basis": "with_autopay", "autopay_discount_pct": 0.25, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 600, "amount_max": 50000, "term_min_months": null, "term_max_months": 60, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": false, "late_fee": "If you do not make your monthly installment payment on time, you may incur late payment fees.", "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Receive your money as soon as the next day.", "states_excluded": null, "rate_disclosure": "Rates as low as 6.09% APR* with autopay. Terms up to 60 months. No origination fee, no early payoff fee, no balance transfer fee. Rates without autopay are 0.25% points higher.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "apr_max", "term_min_months", "min_credit_score", "states_excluded", "parent_company" ], "notes": "The rates page's APR figures are populated dynamically; the fetched HTML on 2026-08-25 contained only placeholder alt-text (\"Personal Loan T1 Rate Range Low/High\") instead of numeric values, so APR is treated as not_readable. Membership required (can be established during the application). Source: https://www.penfed.org/personal-loans 'Loan Payment Example: A $10,000 personal loan financed at 6.09% APR would amount to 24 monthly payments of approximately $445.46 each.' Maximum APR not shown on the page read. Read in the requester's Chrome (Claude in Chrome) on 2026-08-25." }, { "key": "navy-federal", "brand": "Navy Federal Credit Union", "lender_url": "https://www.navyfederal.org", "rates_url": "https://www.navyfederal.org/loans-cards/personal-loans.html", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 8.74, "apr_max": 18.0, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 250, "amount_max": 150000, "term_min_months": null, "term_max_months": 180, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": false, "late_fee": "A late payment fee will be charged if you don't make your monthly loan payments on time.", "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "Most personal loans fund in 24 hours or less; funds are automatically deposited into your account in as little as 24 hours.", "states_excluded": null, "rate_disclosure": "8.74-18.00% APR for terms up to 36 months; 10.69-18.00% APR for terms of 37 to 60 months. Rates are subject to change and based on creditworthiness, so your rate may differ.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "term_min_months", "min_credit_score", "soft_pull_prequal", "states_excluded", "parent_company" ], "notes": "Membership required: \"You must be at least 18 years old and a Navy Federal member.\" Rates/amounts/terms vary by loan purpose: Personal Expense/Home Improvement $250-$150,000 (Home Improvement terms up to 180 months); Debt Consolidation $250-$50,000. term_max_months here reflects the longest stated term (Home Improvement, 61-180 months); term_min_months left unconfirmed given the multi-product structure. Source: https://www.navyfederal.org/loans-cards/personal-loans.html" }, { "key": "alliant", "brand": "Alliant Credit Union", "lender_url": "https://www.alliantcreditunion.org", "rates_url": "https://www.alliantcreditunion.org/loans/personal-loans", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 8.99, "apr_max": 11.99, "apr_basis": "with_autopay", "autopay_discount_pct": 0.4, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 100000, "term_min_months": 12, "term_max_months": 60, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": false, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "Funds are available the same day, in most cases.", "states_excluded": null, "rate_disclosure": "APRs shown above are stated as low as and may vary based on factors such as payment method, creditworthiness, and ability to repay. APR is 0.4% higher without automatic payment option. Rates are 1% higher when refinancing an existing Alliant loan.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "late_fee", "min_credit_score", "soft_pull_prequal", "states_excluded", "parent_company" ], "notes": "Membership required: must be an Alliant member for at least 90 days to apply. The extracted 8.99%–11.99% figures read as \"as low as\" rates tied to term length (12- vs 60-month) rather than a full credit-tier APR range; the fetched content did not show a maximum APR for lower-credit applicants, so this range should be treated with caution. Source: https://www.alliantcreditunion.org/loans/personal-loans" }, { "key": "rocket-loans", "brand": "Rocket Loans", "lender_url": "https://www.rocketloans.com", "rates_url": "https://www.rocketloans.com/", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 7.99, "apr_max": 29.99, "apr_basis": "with_autopay", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 2000, "amount_max": 75000, "term_min_months": 36, "term_max_months": 60, "orig_fee_min_pct": 3.23, "orig_fee_max_pct": 9.99, "orig_fee_deducted": null, "late_fee": "$15 fee.", "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Funds will typically arrive the same day via direct deposit if your loan is finalized by 4 pm ET.", "states_excluded": [ "Iowa", "Maryland", "Nevada", "West Virginia", "Puerto Rico", "Guam", "U.S. Virgin Islands", "American Samoa", "Northern Mariana Islands" ], "rate_disclosure": "APR ranges from a minimum of 7.99% (rate with autopay discount) to a maximum of 29.99%, for a 36 or 60 month term.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "autopay_discount_pct", "orig_fee_deducted", "min_credit_score", "parent_company" ], "notes": "Origination fee \"up to 9.99%,\" with an average of \"4.35% for clients with very good credit\" and \"as low as 3.23% for those borrowing $40,000 or more\" — orig_fee_min_pct here reflects that stated conditional floor, not an unconditional minimum. Source: https://www.rocketloans.com/" }, { "key": "oportun", "brand": "Oportun", "lender_url": "https://oportun.com", "rates_url": "https://oportun.com/loans/personal-loans/", "market": "US", "category": "online", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "quote_only", "apr_min": null, "apr_max": null, "apr_basis": null, "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 300, "amount_max": 10000, "term_min_months": null, "term_max_months": null, "orig_fee_min_pct": null, "orig_fee_max_pct": 10, "orig_fee_deducted": true, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Approved applicants can receive funds quickly with direct deposit.", "states_excluded": null, "rate_disclosure": "For example, for an unsecured personal loan with a principal amount of $3,333, a term of 30 months, a 10% administrative fee of $333, and an APR of 35.95%, the borrower will receive $3,000 and make 65 payments of $70 due every two weeks.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "apr_min", "apr_max", "apr_basis", "term_min_months", "term_max_months", "orig_fee_min_pct", "late_fee", "prepay_penalty", "states_excluded", "parent_company" ], "notes": "No published APR min/max range was found — only worked examples (35.95%, 34.95%). \"A prior credit history is not required to qualify.\" Secured personal loans ($2,525-$18,500) are separately available only in AZ, CA, FL, IL, NV, NJ, TX, UT. Amounts/example above are for the unsecured product. Source: https://oportun.com/loans/personal-loans/" }, { "key": "axos-bank", "brand": "Axos Bank", "lender_url": "https://www.axosbank.com", "rates_url": "https://www.axosbank.com/personal/borrow/personal-loans", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "quote_only", "apr_min": null, "apr_max": null, "apr_basis": null, "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 7000, "amount_max": 50000, "term_min_months": 36, "term_max_months": 72, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Get your money within 2 days of signing.", "states_excluded": null, "rate_disclosure": "Example: A $25,000 loan with an Annual Percentage Rate (APR) of 8.42% for 60 months has a payment of $506.79.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "apr_min", "apr_max", "apr_basis", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "min_credit_score", "states_excluded", "parent_company" ], "notes": "No published APR min/max range found, only a single worked example. Source: https://www.axosbank.com/personal/borrow/personal-loans" }, { "key": "first-tech-fcu", "brand": "First Tech Federal Credit Union", "lender_url": "https://www.firsttechfed.com", "rates_url": "https://www.firsttechfed.com/borrow/personal-loans", "market": "US", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.99, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": null, "amount_max": 50000, "term_min_months": null, "term_max_months": null, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": null, "states_excluded": null, "rate_disclosure": "Fixed-Rate Loan: as low as 6.99% Annual Percentage Rate (APR).", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "apr_max", "amount_min", "term_min_months", "term_max_months", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "funding_days", "states_excluded", "parent_company" ], "notes": "\"These loans don't have application or annual fees\" (does not explicitly say \"no origination fee,\" so orig_fee_min_pct/max_pct left unconfirmed rather than set to 0). \"First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score.\" Credit union membership required. The page also lists a Personal Line of Credit (as low as 12.50%-18.00% APR, up to $10,000) and Certificate/Savings Secured loans (secured rate + as low as 3.00% APR, $500-$500,000); the row above reflects the Fixed-Rate Loan product. Source: https://www.firsttechfed.com/borrow/personal-loans" }, { "key": "zopa-uk", "brand": "Zopa", "lender_url": "https://www.zopa.com", "rates_url": "https://www.zopa.com/loans", "market": "UK", "category": "online", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "quote_only", "apr_min": null, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 50000, "term_min_months": 12, "term_max_months": 84, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "you'll get the money within 2 hours", "states_excluded": null, "rate_disclosure": null, "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_min", "apr_max", "apr_basis", "rep_apr_basis", "rep_example", "apr_bands", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "rate_disclosure" ], "notes": "zopa.com/loans is JS-rendered; WebFetch on 2026-08-25 returned only marketing copy ('See your personalised loan rates in just 3 minutes', 'an initial soft credit check that does not impact on someone's credit rating') with no APR figures. Conflicting numbers found elsewhere on zopa.com but not tied to a confirmed current representative example: zopa.com/borrowing-power showed the static text 'Loans 19.9% representative APR' with no amount/term basis; a Zopa help article (how-are-my-loan-repayments-calculated) showed an illustrative calculation '£10,000 over 5 years with an APR of 22.9% ... total £16,164, £269.40/month' that is not labelled as the Representative APR example. Neither is reliable enough to record as apr_min without a confirmed basis, so left null per no-guessing rule. 'With a Zopa loan, you can borrow between £1,000 - £50,000.' 'from between 1 - 7 years.' No representative APR is shown on the loans page; the rate is personalised after a soft-search quote. Read in the requester's Chrome (Claude in Chrome) on 2026-08-25." }, { "key": "tesco-bank-uk", "brand": "Tesco Bank", "lender_url": "https://www.tescobank.com", "rates_url": "https://www.tescobank.com/loans/", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.4, "apr_max": 34.5, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£10,000 over 5 years", "rep_example": { "amount": 10000, "term_months": 60, "monthly": 194.35, "total_repayable": 11661.0, "rate_nominal": 6.2196 }, "apr_bands": null, "amount_min": 3000, "amount_max": 35000, "term_min_months": 12, "term_max_months": 120, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": true, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "within 24 hours (up to 48 hours in some cases)", "states_excluded": null, "rate_disclosure": "Representative 6.4% APR, based on a loan amount of £10,000, over 5 years, at a Fixed Annual Interest Rate of 6.2196% (nominal). This would give you a monthly repayment of £194.35 and a total amount repayable of £11,661.00.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "min_credit_score" ], "notes": "Clubcard members may be shown 6.0% representative APR vs 6.4% standard (loyalty pricing, not an autopay discount). Early settlement: '2 month interest charge will be applied'. Eligibility Checker 'runs a soft search on your file and keeps your credit score safe'." }, { "key": "ms-bank-uk", "brand": "M&S Bank", "lender_url": "https://bank.marksandspencer.com", "rates_url": "https://bank.marksandspencer.com/personal-loans/rates-table/", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 5.9, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£7,500 to £25,000 (lowest illustrative-APR band; page publishes a separate illustrative APR per amount band rather than one overall representative example)", "rep_example": null, "apr_bands": [ { "from": 1000, "to": 2999, "apr": 14.9 }, { "from": 3000, "to": 4999, "apr": 9.9 }, { "from": 5000, "to": 7499, "apr": 6.9 }, { "from": 7500, "to": 25000, "apr": 5.9 }, { "from": 25001, "to": 30000, "apr": 6.9 } ], "amount_min": 1000, "amount_max": 30000, "term_min_months": 12, "term_max_months": 84, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": null, "states_excluded": null, "rate_disclosure": "Illustrative APR by loan amount, e.g. £7,500–£25,000: 5.9% illustrative / up to 16.9% maximum; £1,000–£2,999: 14.9% illustrative / up to 21.9% maximum.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_max", "rep_example", "late_fee", "prepay_penalty", "min_credit_score", "funding_days" ], "notes": "Page uses 'illustrative APR' / 'maximum APR' terminology per amount band rather than a single 'Representative APR' worked example; apr_min above uses the lowest illustrative-APR band as the closest equivalent. Per-band maximum APRs: £1,000–£2,999 up to 21.9%; £3,000–£4,999 up to 20.9%; £5,000–£7,499 up to 17.9%; £7,500–£25,000 up to 16.9%; £25,001–£30,000 up to 11.9%. 'There are no fees associated with this loan.' Early repayment wording is a daily-interest/rebate formula, not a clearly stated flat penalty. Minimum annual income of £10,000 required; UK residents only." }, { "key": "sainsburys-bank-uk", "brand": "Sainsbury's Bank", "lender_url": "https://www.sainsburysbank.co.uk", "rates_url": "https://www.sainsburysbank.co.uk/loans/unsecured-loans", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "quote_only", "apr_min": null, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 40000, "term_min_months": 12, "term_max_months": 84, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": null, "states_excluded": null, "rate_disclosure": null, "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_min", "apr_max", "apr_basis", "rep_apr_basis", "rep_example", "apr_bands", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "soft_pull_prequal", "funding_days", "rate_disclosure" ], "notes": "STATUS UNCLEAR: Sainsbury's core banking business was sold to NatWest Group (corporate press release confirms the sale, completion H1 2025, no statement on whether new loan originations continue under the Sainsbury's Bank brand). money.sainsburys.co.uk/loans/support states 'As of 1 May 2025, NatWest are now the legal owners of certain loan accounts' (existing accounts). The public product page sainsburysbank.co.uk/loans/unsecured-loans (fetched 2026-08-25) still describes a live product — 'Nectar members £1,000–£40,000, non-Nectar £1,000–£25,000, 1 to 7 years' — but shows no APR figures, directing users to a loan calculator for a personalised quote. sainsburysbank.co.uk/loans/loans-calculator and /loans/guides/personal-loans were robots-disallowed or 404 on 2026-08-25 and could not be read. Could not confirm whether Sainsbury's Bank is still originating new personal loans as of this check." }, { "key": "santander-uk", "brand": "Santander", "lender_url": "https://www.santander.co.uk", "rates_url": "https://www.santander.co.uk/personal/loans", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.4, "apr_max": 29.9, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "loans from £7,500 to £25,000", "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 25000, "term_min_months": 12, "term_max_months": 60, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "within 2 working days of funds being released", "states_excluded": null, "rate_disclosure": "Rates from 6.4% APR representative on loans from £7,500 to £25,000.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "rep_example", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score" ], "notes": "Maximum APR up to 29.9%. Early repayment: 'You can make unlimited overpayments at any time before your final repayment is due or you can repay your loan in full' — page does not state whether a charge applies. Rate checker 'won't leave a record on your credit file.'" }, { "key": "lloyds-bank-uk", "brand": "Lloyds Bank", "lender_url": "https://www.lloydsbank.com", "rates_url": "https://www.lloydsbank.com/loans.html", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 7.4, "apr_max": 29.9, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£7,500 to £25,000 over 1 to 5 years", "rep_example": { "amount": 10000, "term_months": 48, "monthly": 240.21, "total_repayable": 11530.08, "rate_nominal": 7.16 }, "apr_bands": null, "amount_min": 1000, "amount_max": 50000, "term_min_months": 12, "term_max_months": 84, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": true, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Money could be in your account the same day, 9am to 8.30pm, or by 9am the next day", "states_excluded": null, "rate_disclosure": "You could borrow £10000 over 48 months with 48 monthly repayments of £240.21. Total amount repayable will be £11530.08. Representative 7.4% APR, annual interest rate (fixed) 7.16%.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "min_credit_score" ], "notes": "Other rates available from 5.9% APR depending on circumstances; maximum 29.9% APR. Early repayment charge: up to 58 days' interest." }, { "key": "halifax-uk", "brand": "Halifax", "lender_url": "https://www.halifax.co.uk", "rates_url": "https://www.halifax.co.uk/loans.html", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 7.4, "apr_max": 29.9, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£7,500 to £25,000 over 1 to 5 years", "rep_example": { "amount": 10000, "term_months": 48, "monthly": 240.21, "total_repayable": 11530.08, "rate_nominal": 7.16 }, "apr_bands": null, "amount_min": 1000, "amount_max": 50000, "term_min_months": 12, "term_max_months": 84, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": "£25 per missed repayment; further charges possible for continued non-payment", "prepay_penalty": true, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Same-day if approved 9am-8.30pm (Halifax account holders 'in minutes'); non-customers within 2 hours, maximum 3 working days", "states_excluded": null, "rate_disclosure": "You could borrow £10000 over 48 months with 48 monthly repayments of £240.21. Total amount repayable will be £11530.08. Representative 7.4% APR, annual interest rate (fixed) 7.16%.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "min_credit_score" ], "notes": "Rates from 5.9% APR for other amounts/terms; maximum 29.9% APR. Early repayment charge: up to 58 days' interest. Same Lloyds Banking Group representative example as Lloyds Bank/Halifax share identical published wording." }, { "key": "natwest-uk", "brand": "NatWest", "lender_url": "https://www.natwest.com", "rates_url": "https://www.natwest.com/loans.html", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.9, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£7,500 to £14,950", "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 50000, "term_min_months": 12, "term_max_months": 120, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": null, "states_excluded": null, "rate_disclosure": "Representative 6.9% APR (available on loans between £7,500 and £14,950). Our rates depend on your circumstances and loan amount and may differ from the Representative APR.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_max", "rep_example", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "soft_pull_prequal", "funding_days" ], "notes": "Term varies by purpose/amount: 1-5 years (£1,000-£7,450, and holiday loans £1,000-£25,000), 1-8 years (£7,500-£50,000 excl. home improvement), 1-10 years (home improvement £7,500-£50,000). New customers capped at £35,000; existing customers up to £50,000 via app/phone/online banking. No worked representative example (with monthly repayment/total repayable) found on the fetched page." }, { "key": "barclays-uk", "brand": "Barclays", "lender_url": "https://www.barclays.co.uk", "rates_url": "https://www.barclays.co.uk/loans/", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 7.05, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£7,500 - £15,000 over 2-5 years", "rep_example": null, "apr_bands": [ { "from": 7500, "to": 15000, "apr": 7.05 } ], "amount_min": null, "amount_max": null, "term_min_months": 24, "term_max_months": 60, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": true, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "we'll usually transfer the money to your current account straightaway (if approved online)", "states_excluded": null, "rate_disclosure": "7.05% APR Representative on loans of £7,500 - £15,000 over 2-5 years, (your rate may differ*)", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_max", "apr_basis", "rep_example", "amount_min", "amount_max", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "min_credit_score" ], "notes": "The representative-example block on barclays.co.uk/loans/personal/ is a JavaScript-populated template — 'APR Representative based on a loan of [amount] repayable over [months] months at an interest rate of [rate] pa (fixed). Monthly repayment of [amount]. Total amount payable [amount].' — that did not render actual figures via WebFetch on 2026-08-25 (the calculator sub-page likewise showed only blank placeholders), so treated as not_readable for pricing. Loans mentioned as available over '2-5 years', amount/rate 'depending on the loan amount'. Early repayment: 'We'll charge a fee equal to 30 days' interest on the amount you're repaying, as well as any other interest that's due.' Soft check: 'Personal price quote – with no credit footprint.' Representative APR shown as 'variable' on the page ('Representative APR (variable)'). No full representative example (monthly/total) shown on the loans page. Read in the requester's Chrome (Claude in Chrome) on 2026-08-25." }, { "key": "hsbc-uk", "brand": "HSBC UK", "lender_url": "https://www.hsbc.co.uk", "rates_url": "https://www.hsbc.co.uk/loans/products/personal/", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.5, "apr_max": 22.9, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£7,500 to £20,000", "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 30000, "term_min_months": null, "term_max_months": 96, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Instantly once approved for HSBC current account customers; 3 working days after the signed loan agreement is received for non-customers", "states_excluded": null, "rate_disclosure": "6.5% APR Representative for loans between £7,500 and £20,000. Maximum APR available is 22.9%.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "rep_example", "term_min_months", "late_fee", "min_credit_score" ], "notes": "'No arrangement fee.' Overpayments free of charge; no early repayment charge mentioned. Term up to 60 months for loans ≤£15,000, up to 96 months for loans >£15,000 (no explicit minimum term stated). A full worked representative example was not found on this page — HSBC references a separate PDF rate table not fetched this session." }, { "key": "nationwide-uk", "brand": "Nationwide", "lender_url": "https://www.nationwide.co.uk", "rates_url": "https://www.nationwide.co.uk/loans/loan-rates", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 5.9, "apr_max": 29.9, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£10,000 over 60 months", "rep_example": { "amount": 10000, "term_months": 60, "monthly": 192.15, "total_repayable": 11529.0, "rate_nominal": 5.9 }, "apr_bands": [ { "from": 1000, "to": 2999, "apr": 14.4 }, { "from": 3000, "to": 4999, "apr": 9.8 }, { "from": 5000, "to": 7499, "apr": 6.9 }, { "from": 7500, "to": 25000, "apr": 5.9 }, { "from": 25001, "to": 35000, "apr": 6.9 }, { "from": 35001, "to": 50000, "apr": 7.7 } ], "amount_min": 1000, "amount_max": 50000, "term_min_months": 12, "term_max_months": 120, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "2 hours after approval and document verification", "states_excluded": null, "rate_disclosure": "Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 5.9% p.a (fixed). Monthly repayment £192.15. Total amount repayable £11,529.00.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "late_fee", "min_credit_score" ], "notes": "'We don't charge fees on loans, so your APR will be the same as your interest rate.' 'There's no charge for making overpayments or paying off the loan early.' Term: 1-7 years standard, up to 10 years if borrowing £10,000 or more. apr_bands figures shown per amount band are the low end of each band's range; page states the top end of every band is 29.9% (used as apr_max)." }, { "key": "tsb-uk", "brand": "TSB", "lender_url": "https://www.tsb.co.uk", "rates_url": "https://www.tsb.co.uk/personal-loans.html", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.1, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£7,500 to £25,000 for 1-5 years", "rep_example": null, "apr_bands": null, "amount_min": 300, "amount_max": 50000, "term_min_months": 3, "term_max_months": 84, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": true, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Same day if approved before 6pm (accounts held 3+ months); otherwise next business day", "states_excluded": null, "rate_disclosure": "Our lowest rate is 6.1% APR representative for loans between £7,500 and £25,000 for 1-5 years.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_max", "rep_example", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "min_credit_score" ], "notes": "Loan bands: £300-£999 small loans (3-12 months), £1,000-£25,000 standard (1-7 years), £25,000-£50,000 higher loans (1-5 years), Graduate loans £1,000-£10,000 (1-5 years). Early repayment: 'We may charge up to 58 days' interest on any full settlement you make.' No full worked representative example (monthly/total repayable) found." }, { "key": "post-office-money-uk", "brand": "Post Office Money", "lender_url": "https://www.postoffice.co.uk", "rates_url": "https://www.postoffice.co.uk/personal-loans", "market": "UK", "category": "marketplace", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 13.2, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 25000, "term_min_months": 12, "term_max_months": 60, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": true, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Often within a few minutes of signing; get the money today if approved", "states_excluded": null, "rate_disclosure": "13.2% APR", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_max", "rep_apr_basis", "rep_example", "apr_bands", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "min_credit_score" ], "notes": "category=marketplace: official Post Office announcement (corporate.postoffice.co.uk, 28 Jul 2025) states 'The Post Office has today announced that it has re-entered the personal loans market in partnership with Lendable'; loan complaints are directed to complaints.postoffice@lendable.co.uk, i.e. Lendable is the originating lender behind the Post Office-branded product. 'You'll be charged a one-time fee when you take out a Post Office Personal Loan' — amount/percent not disclosed on fetched pages. Early settlement: 'We'll charge up to 58 days interest.' Eligibility: paid at least £800/month, UK resident 3+ years. Basis (amount/term) for the 13.2% representative APR figure was not stated on the fetched page." }, { "key": "novuna-personal-finance-uk", "brand": "Novuna Personal Finance", "lender_url": "https://www.novunapersonalfinance.co.uk", "rates_url": "https://www.novunapersonalfinance.co.uk/loans/", "market": "UK", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 6.9, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£7,500 over 5 years", "rep_example": { "amount": 7500, "term_months": 60, "monthly": 147.44, "total_repayable": 8846.4, "rate_nominal": 6.9 }, "apr_bands": null, "amount_min": 1000, "amount_max": 35000, "term_min_months": null, "term_max_months": null, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "Money could be in your bank within two working days", "states_excluded": null, "rate_disclosure": "A loan of £7,500 over 5 years: rate of interest 6.9% p.a. (fixed), 6.9% APR Representative, monthly repayment of £147.44, total repayment of £8846.40.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_max", "term_min_months", "term_max_months", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "soft_pull_prequal" ], "notes": "Fixed-rate, unsecured lending (formerly Hitachi Capital / Mitsubishi HC). 'The rate you are offered may vary due to personal circumstances and loan amount.' Only a 5-year term example was found; no separate min/max term range disclosed on this page." }, { "key": "admiral-loans-uk", "brand": "Admiral Loans", "lender_url": "https://www.admiral.com", "rates_url": "https://www.admiral.com/loans", "market": "UK", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 12.9, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£10,000 over 60 months", "rep_example": { "amount": 10000, "term_months": 60, "monthly": 223.43, "total_repayable": 13405.8, "rate_nominal": 12.19 }, "apr_bands": null, "amount_min": null, "amount_max": 30000, "term_min_months": 12, "term_max_months": 60, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Receive your money within three working days", "states_excluded": null, "rate_disclosure": "Borrowing £10,000 over 60 months with monthly repayments of £223.43. The total amount repayable will be £13,405.80. Representative APR 12.90%, annual interest rate (fixed) 12.19%.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_max", "amount_min", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score" ], "notes": "admiral.com/about-us/fees page (checked separately) lists fees for insurance policy changes only, with no arrangement/origination fee entry for personal loans — not treated as an explicit 'no fees' statement for loans, so left null/unconfirmed rather than 0." }, { "key": "lendable-uk", "brand": "Lendable", "lender_url": "https://www.lendable.co.uk", "rates_url": "https://www.lendable.co.uk/", "market": "UK", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 22.8, "apr_max": 48.9, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£7,500 over 36 months", "rep_example": { "amount": 7500, "term_months": 36, "monthly": 281.47, "total_repayable": 10132.92, "rate_nominal": 17.9 }, "apr_bands": null, "amount_min": 1000, "amount_max": 25000, "term_min_months": 12, "term_max_months": 60, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Get your money today", "states_excluded": null, "rate_disclosure": "£7,500 loan repayable over 36 months. Monthly payments of £281.47. Rate of interest 17.9% p.a. (fixed). Representative 22.8% APR. Total amount repayable £10,132.92 (includes loan fee of £445).", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score" ], "notes": "Page-wide APR range shown as 7.8% to 48.9% (apr_max used above). The representative example bakes a £445 loan fee into the quoted total repayable ('includes loan fee of £445') — this is stated as a currency amount, not a percentage, so orig_fee_min_pct/max_pct were left null rather than computed (no-calculation rule); the £445-on-£7,500 fee is quoted verbatim in rate_disclosure instead." }, { "key": "monzo-uk", "brand": "Monzo", "lender_url": "https://monzo.com", "rates_url": "https://monzo.com/loans/", "market": "UK", "category": "online", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 21.2, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£4,800 over 36 months", "rep_example": { "amount": 4800, "term_months": 36, "monthly": 177.0, "total_repayable": 6364.2, "rate_nominal": 19.4 }, "apr_bands": [ { "from": 0, "to": 10000, "apr": 21.2 }, { "from": 10000, "to": 35000, "apr": 9.5 } ], "amount_min": null, "amount_max": 35000, "term_min_months": null, "term_max_months": null, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "in minutes (if approved)", "states_excluded": null, "rate_disclosure": "Borrowing £4,800.00, over 36 months, with 35 monthly repayments of £177.00 and one final payment of £169.20, at an annual interest rate of 19.4% (fixed), with a representative 21.2% APR, the total amount you'll repay is £6,364.20.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_max", "amount_min", "term_min_months", "term_max_months", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "min_credit_score", "soft_pull_prequal" ], "notes": "Requires a Monzo Current Account. 'We don't charge late fees either' (missed payments can still affect credit score) → late_fee left null (none charged). Early repayment / extra payments: stated as 'no fees' → prepay_penalty=false. Two-band APR: loans up to £10,000 = 21.2% representative; loans over £10,000 up to £35,000 = 9.5%. Final monthly payment in the example (£169.20) differs slightly from the other 35 payments (£177.00)." }, { "key": "aa-loans-uk", "brand": "AA Loans", "lender_url": "https://www.theaa.com", "rates_url": "https://www.theaa.com/loans", "market": "UK", "category": "marketplace", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "quote_only", "apr_min": null, "apr_max": null, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": null, "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 35000, "term_min_months": 12, "term_max_months": 96, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": true, "funding_days": "Decisions typically within minutes; extra checks may take up to 3 days", "states_excluded": null, "rate_disclosure": null, "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "apr_min", "apr_max", "rep_apr_basis", "rep_example", "apr_bands", "prepay_penalty", "min_credit_score" ], "notes": "category=marketplace: a theaa.com-hosted loans Terms and Conditions PDF (dated Nov 2015 — may be outdated, could not confirm a current-dated version this session) states 'AA Loans are provided by Bank of Ireland (UK) plc', with AA Financial Services Limited acting as credit intermediary. theaa.com/loans shows only placeholder '—' APR/repayment values until a personalised eligibility check is run → quote_only. 'No arrangement or set-up fees.' 'You won't be charged for any late payments' (though missed payments still affect the credit file) → late_fee left null (none charged). Soft check: 'a soft credit check to provide your personalised quote. This will not appear on your credit file.'" }, { "key": "first-direct-uk", "brand": "first direct", "lender_url": "https://www.firstdirect.com", "rates_url": "https://www.firstdirect.com/loans-and-cards/personal-loans/", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 5.9, "apr_max": 18.9, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£10,000 to £30,000", "rep_example": null, "apr_bands": null, "amount_min": 1000, "amount_max": 50000, "term_min_months": 12, "term_max_months": 96, "orig_fee_min_pct": null, "orig_fee_max_pct": null, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": null, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "Straightaway if approved via app/online; within 5 working days of receiving the signed agreement for phone applications", "states_excluded": null, "rate_disclosure": "Representative 5.9% APR for loans between £10,000 and £30,000.", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "rep_example", "orig_fee_min_pct", "orig_fee_max_pct", "orig_fee_deducted", "late_fee", "prepay_penalty", "min_credit_score", "soft_pull_prequal" ], "notes": "Maximum APR 18.9%. A calculator-driven worked example was present on the page but produced internally inconsistent figures under automated extraction (quoted monthly repayment x term did not match the quoted total, and the total was less than the principal borrowed) — this is very likely a JS-calculator rendering artifact, so it was NOT transcribed into rep_example per the no-guessing/no-invented-numbers rule; needs manual verification against the live page. Early repayment described as a daily-interest regulatory formula with possible rebate, not a clearly stated flat penalty." }, { "key": "metro-bank-uk", "brand": "Metro Bank", "lender_url": "https://www.metrobankonline.co.uk", "rates_url": "https://retail.metrobankonline.co.uk/borrowing/products/personal-loans/", "market": "UK", "category": "bank", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "apr_min": 7.9, "apr_max": 7.9, "apr_basis": "unstated", "autopay_discount_pct": null, "rep_apr_basis": "£10,000 over 60 months", "rep_example": { "amount": 10000, "term_months": 60, "monthly": 200.99, "total_repayable": 12059.4, "rate_nominal": null }, "apr_bands": null, "amount_min": 2000, "amount_max": 25000, "term_min_months": 12, "term_max_months": 60, "orig_fee_min_pct": 0, "orig_fee_max_pct": 0, "orig_fee_deducted": null, "late_fee": null, "prepay_penalty": false, "min_credit_score": null, "soft_pull_prequal": null, "funding_days": "You could even get your money the same day", "states_excluded": null, "rate_disclosure": "£10,000 over 60 months at 7.9% APR: £200.99 monthly, £12,059.40 total repayable (single fixed 7.9% representative APR for all approved customers).", "affiliate_brand": null, "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "rep_example", "late_fee", "min_credit_score", "soft_pull_prequal" ], "notes": "Metro Bank publishes a single flat 7.9% representative APR for all approved customers (no range) — apr_min=apr_max=7.9. Additional worked examples on the page: £3,000/60mo = £60.30/mo, £3,618.00 total; £5,000/60mo = £100.49/mo, £6,029.40 total. 'There's no arrangement fee' and 'There is also no early repayment fee.' Separate nominal interest rate was not disclosed distinctly from the APR figure (rate_nominal left null rather than assumed equal to APR). Page content suggested a hard credit check is used rather than a soft pre-qualification search, but no explicit official quote was captured, so soft_pull_prequal is left null/unconfirmed rather than set to false." } ] }