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The state of the UK loans market

The UK loans market has experienced dramatic changes in the last few years, firstly with the arrival of independent lenders and secondly with the rise of the Internet. These days, competition is fiercer than ever before – and that's good news for consumers.

The UK loans market has undergone two major transformations: first, the arrival of independent lenders and supermarket banks, which don't have the same expensive organisations and branch networks that the high street banks have to pay for; and secondly, the arrival of the Internet. The Internet changes things dramatically because instead of popping to your own bank to get a loan, you can now compare loans from hundreds of different providers with a few mouse clicks.
Both changes are good news for consumers. More lenders means more choice – and more competition – while the Net means that traditional lenders can't rely on people plumping for a safe bet any more. Previously, if you wanted a loan you'd go to your own bank, but people are much more savvy about the UK loans market these days and know that if you shop around, you can almost always get a better deal. Long term that means loans are better value than they've ever been, and people who might not have qualified for loans in the past can find firms who'll be happy to give them cash. 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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