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Best Rate Personal Loans

Want the lowest interest rate? Borrow lots of money.

The best rate personal loans are offered to customers with a good credit rating and who want to borrow a significant amount of money. The less you borrow and the more chequered your financial past, the more expensive your loan is likely to be.

The best rate personal loans are generally offered to people who want to borrow large sums of cash, and who have a decent credit rating. Interest rates are grouped into bands, with the highest APRs for loans of less than £2,000 and the best APRs for loans of more than £10,000.
To take advantage of the best rate personal loans it's often a good idea to increase the amount of money you borrow, so for example if you're considering borrowing £2,750 you'll benefit from a much lower APR if you increase the borrowing amount to £3,000. Needless to say, though, you shouldn't borrow more money than you can afford to repay.
If you have a bad credit history then you'll find that the best rate personal loans won't be available to you, even if mainstream lenders are happy to consider your application: the APRs quoted are "typical", which means they're offered to customers who meet specific criteria such as a high credit score. If your credit history is less impressive, you'll find that the APR you're offered is likely to be higher than the typical rate. helps you find the best loans companies for your specific needs, and gives you background information on the various types of loans available in our loans articles, more loans articles and still more loans articles.

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