Method: where every figure comes from and how the ordering is produced

Every rate, fee, amount and term on this site is copied from the lender's own published page, with the date it was read. Nothing is estimated, and no third-party figure is used anywhere.

Every ordering is by one computed number — total repayable on 10,000 over 36 months at the lowest published APR and fee, ascending — and listing position is not for sale.

The formula, in full

amount received = the amount you want in your account (10,000 on most pages) amount signed for = amount received / (1 - origination fee %) monthly rate = APR / 12 (United States) or (1 + APR)^(1/12) - 1 (United Kingdom) monthly payment = amount received x monthly rate / (1 - (1 + monthly rate)^(-months)) total repayable = monthly payment x months cost of credit = total repayable - amount received cost per 1,000 = cost of credit / (amount received / 1,000)

Nothing else is added. The APR already includes the origination fee by law in both markets, so the payment is worked out on the amount you actually receive, at the APR, over the term — which is exactly how the lender's own representative example is built. The fee shows up as the larger amount you sign for, and the interest on it is inside the APR. Late fees, optional insurance and early-settlement charges are not in any figure on this site, because they depend on what happens after you sign. Best case uses the lowest published APR and the lowest published fee; worst case the highest of each. The full method is at Method.

Why the payment is computed on the amount received, at the APR

In the United States the Truth in Lending Act defines APR as the rate that discounts the payment stream to the amount financed, which is the loan less any prepaid finance charge such as an origination fee. In the United Kingdom the Consumer Credit regulations define APR the same way: the total charge for credit, fees included, as an annual rate on the amount of credit. So a lender's published APR already contains its fee, and the only calculation that is consistent with the published number is: take the amount you receive, amortise it at the APR, over the term. That is how every lender builds its own representative example, and where a lender publishes one we reproduce it to the penny before we trust our arithmetic on that lender.

The two markets compound differently: a US APR is a nominal annual rate, divided by twelve for the monthly rate; a UK APR is an effective annual rate, so the monthly rate is its twelfth root. We apply each market's convention and never mix them.

Best case and worst case

Best case is the lowest published APR with the lowest published fee; worst case is the highest published APR with the highest published fee. Where a lender publishes a floor but no ceiling, the worst case is shown as not computable rather than guessed. In the United Kingdom the floor is the representative APR, which at least 51% of accepted applicants receive; it is not a lowest rate.

What is added and what is not

Added: the published APR, the published origination or arrangement fee, the published autopay discount where the lender states the rate assumes it.

Not added: late fees, returned-payment fees, optional payment-protection insurance, early-settlement charges, and any rate the lender offers only after an application. Every figure on this site is what the published range implies, not a quote.

How lenders get on this site

We include lenders that publish an unsecured personal-loan rate on their own website for the United States or United Kingdom market, plus well-known lenders that do not, marked as such. No lender can pay to be included, excluded, or moved. We do not own, operate, or hold a stake in any lender listed. The ranking formula is: total repayable, best case, ascending. We do not accept fees for leads, and we collect no application data.

Three reasons a rate can be missing

These are not the same thing and this site does not mix them:

The lender does not publish one (6 rows). Its own pages show a rate only after an application or eligibility check. We say so.
We could not read it (1 row). The page draws its figures with scripts that did not run when we retrieved it, or served our checker the version for another country. That is our limitation and it is labeled as ours, not held against the lender.
It is published in another currency for that market (0 rows). We do not convert.

Amounts and terms outside the published range

A lender that publishes a minimum of 5,000 is not in the 5,000-and-under table, and one whose longest term is 60 months is not in the 84-month column. Where a lender does not publish a minimum, maximum or term range at all, we treat the loan as within range and say the range is not stated, rather than dropping the lender.

How ties are broken

Total repayable, best case, ascending. If two lenders are equal, alphabetically. That is the entire sort key. There is no score, no weighting, no editorial adjustment and no lender input.

What is not in the sort key

Commission. Whether a lender runs an affiliate program at all. Whether we have applied to it. Brand size, review counts, approval odds, speed of funding. The disclosure page names every program we are in.

Currency

USD lenders appear in the United States tables, GBP lenders in the United Kingdom tables. We never convert between currencies, because a converted figure cannot be checked against the source page.

How often this is re-checked

Every figure carries the date it was read. The whole dataset was last refreshed on 2026-08-25. Any figure older than 90 days is automatically labeled “not re-checked since” on every page it appears on — that label is generated, not written by hand. Rates in this market change with the lenders' funding costs, so a figure more than a few weeks old should be re-read on the lender's page before it is relied on.

What we do not do

We do not lend, broker or introduce, and no page here claims otherwise. There are no ratings, no stars, no badges and no “editor's choice”. We have never been paid for placement and we do not sell listings, reviews or leads. We do not collect your details and we do not pass anyone's details to a lender.

The data itself

The whole dataset is published at data.json under CC BY 4.0, with the source URL and check date attached to every row. If a figure here is wrong, tell us and it will be re-checked and re-dated.

This site is 279 pages, generated from 47 rows of data by one script. 39 of 47 rows carry enough published detail to compute with.

Written by Kaz (pen name). Figures are copied from providers' published pricing pages on the dates shown. We have not used these products. Corrections: contact form.