Portal do Lucro — Compare personal loans

Lending Stream Short-Term Loan

Lending Stream is ideal for those needing quick access to cash, but the exorbitant APRs can make borrowing expensive. It's borrowers who can repay in a short timeframe to avoid high interest.

99.9%–1333.0% APR 50–1500 3–6 months

Individuals with low credit scores seeking emergency funds who can manage repayment within six months.

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Creditspring Credit Builder

Creditspring Credit Builder Loan

Straightforward credit builder with predictable costs — good for rebuilding your score, not for cheap borrowing.

People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.

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Ocean Finance Personal

Ocean Finance Personal Loan

Ocean Finance offers a range of personal loans with flexible terms, but high APR rates may deter some borrowers.

24.9%–69.9% APR 1000–5000 12–60 months

This loan is best for individuals seeking quick access to funds, especially those with lower credit scores.

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Moneybarn Hire Purchase

Moneybarn Car Finance for Poor Credit

Moneybarn provides a viable option for those with less-than-perfect credit looking for car finance. Their understanding of specialist lending can ease access for many drivers.

12.9%–69.9% APR 3000–25000 24–60 months

Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.

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Shawbrook Bank Buy To Let

Shawbrook Bank BTL Mortgage

One of the UK's leading specialist BTL lenders with genuine scale — they can handle anything from a single flat to a £50m portfolio, with multiple award wins to back it up.

4.79% APR

Professional landlords and portfolio investors needing a lender that can scale from small BTL to multi-million pound portfolios

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Lloyds Bank Debt Consolidation

Lloyds Bank Debt Consolidation Loan

A solid high-street option with competitive rates starting at 3.9% representative APR and generous borrowing limits up to £50,000, backed by one of the UK most established banking brands.

3.9%–29.9% APR 1000–50000

Borrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.

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iwoca Business

iwoca Business Loans

iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.

18.0%–49.9% APR

These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.

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Loqbox Credit Builder

The gold standard for UK credit building — save money and build your score simultaneously.

Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.

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Novuna (Hitachi) Home Improvement

Hitachi Personal Finance Home Improvement Loan

The flexibility of loan amounts and terms makes this option appealing for homeowners, but the variable APR can lead to higher costs for those with less-than-perfect credit. Careful consideration of the repayment terms is essential.

4.9%–14.9% APR 1000–25000 12–120 months

Homeowners with good credit looking to finance renovations or improvements ranging from £1,000 to £25,000.

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MotoNovo Finance Car Finance

MotoNovo Finance

MotoNovo Finance is a solid choice for those looking for flexible car finance options with quick approvals.

5.9%–24.9% APR 4000–75000 12–60 months

Best for individuals seeking a reliable motor finance lender with a wide dealer network and competitive rates.

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Molo Finance Buy To Let

Molo Finance BTL Mortgage

A fintech BTL lender offering some of the most competitive fixed rates in the market. Best 2-year fixed BTL rate reported at 3.54% for corporate borrowers — genuinely market-leading.

3.54% APR

Rate-sensitive BTL landlords, especially limited company borrowers wanting the cheapest fixed rates

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Halifax Debt Consolidation

Halifax Debt Consolidation Loan

A strong high-street option from the Lloyds Banking Group stable with competitive rates and high borrowing limits. Part of one of the UK largest banking groups.

3.9%–29.9% APR 1000–50000

Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.

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Funding Circle Business

Funding Circle Business Loans

Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.

6.9%–29.9% APR

It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.

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Wollit Credit Builder

Set-and-forget credit builder for renters — low cost, low effort, meaningful impact on thin credit files.

Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.

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Post Office Personal

Post Office Personal Loan

With a same-day approval process and the ability to check rates without impacting your credit score, this loan is appealing for those with good credit. However, the maximum APR of 19.9% may deter borrowers looking for the lowest interest rates.

5.6%–19.9% APR 1000–25000 12–60 months

Individuals with good credit scores seeking a personal loan for various purposes, such as home improvements or debt consolidation.

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Zuto Car Finance

Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.

8.9%–49.9% APR 1000–75000 24–60 months

Best suited for UK residents looking for competitive rates on car loans with access to various lenders.

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Landbay Buy To Let

Landbay BTL Mortgage

Landbay does one thing — BTL — and does it exceptionally well. Their fully digital process means instant decisions, and £4bn+ in completed lending proves they deliver at scale.

Landlords wanting a fast, fully digital BTL mortgage process from a proven specialist

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HSBC Debt Consolidation

HSBC Personal Loan for Debt Consolidation

A reliable high-street option with a competitive 6.5% representative APR and the ability to extend terms up to 96 months on larger loans, giving more breathing room on monthly payments.

3.3%–21.9% APR 1000–30000

HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.

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Admiral Personal

Admiral Personal Loan

Admiral's personal loans feature a competitive representative APR of 12.9%, making them for those looking to borrow up to £40,000. However, be mindful of the higher rates that may apply based on individual credit assessments.

7.9%–45.9% APR 1000–25000 12–60 months

Individuals with a stable income and a reasonable credit score seeking a personal loan for large expenses.

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