Best Buy personal loans (£5K over 3 years)

  - Compare the best loans for £5,000 over 3 years. See how much you could pay and apply online today where you see a proceed button.

Compare the Best £5K loan over 3 years

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Total Amount Repayable (cost of credit) Monthly RepaymentAdditional InformationSearch all103 Personal Loans
 


Personal Loan
£5378.04
(£378.04)
£149.39
  • Applicants must be aged 18 or over with a minimum annual income of £10,000
Details...
Proceed
 
  Representative Example: Based on a loan of £5,000 at 4.90% per annum fixed. Representative 4.9% APR . Total amount repayable £5378.04 at £149.39 per month for 36 months. 


Online Personal Loan
£5378.04
(£378.04)
£149.39
  • Available to new and existing customers, age restrictions apply
Details...
Proceed
 
  Representative Example: Based on a loan of £5,000 at 4.90% per annum fixed. Representative 4.9% APR . Total amount repayable £5378.04 at £149.39 per month for 36 months. 


Hitachi Personal Loan
£5409.00
(£409.00)
£150.25
  • Electronic signature accepted so money can be in the account within 48 hours
Details...
Proceed
 
  Representative Example: Based on a loan of £5,000 at 5.30% per annum fixed. Representative 5.3% APR . Total amount repayable £5409.00 at £150.25 per month for 36 months. 


Standard Nectar Cardholder Loan
£5409.00
(£409.00)
£150.25
  • Available to shoppers with a Nectar card used with Sainsbury's in the last 6 months
Details...
Proceed
 
  Representative Example: Based on a loan of £5,000 at 5.30% per annum fixed. Representative 5.3% APR . Total amount repayable £5409.00 at £150.25 per month for 36 months. 


Personal Loan
£5439.96
(£439.96)
£151.11
  • Rates available to new and existing customers
Details...
Proceed
 
  Representative Example: Based on a loan of £5,000 at 5.70% per annum fixed. Representative 5.7% APR . Total amount repayable £5439.96 at £151.11 per month for 36 months. 


Personal Loan
£5455.44
(£455.44)
£151.54
  • Available to new and existing customers, age restrictions and minimum income apply
Details...
Proceed
 
  Representative Example: Based on a loan of £5,000 at 5.95% per annum fixed. Representative 5.9% APR . Total amount repayable £5455.44 at £151.54 per month for 36 months. 
  Sponsored Products  


New Customer Personal Loan
£
(£)
£
  • Lower rates available for existing Nationwide BS customers
Details... 
  Representative Example:  


Existing Customer Online Personal Loan
£5532.48
(£532.48)
£153.68
  • Current account required with lender to repay loan
Details...
Proceed
 
  Representative Example: Based on a loan of £5,000 at 6.90% per annum fixed. Representative 6.9% APR . Total amount repayable £5532.48 at £153.68 per month for 36 months. 


Direct Personal Loan
£6083.48
(£1083.48)
£167.18
  • Application fee of £65 applies
Details... 
  Representative Example: Based on a loan of £5,000 at 12.20% per annum fixed. Application fee of £65.00 applies. Representative 13.2% APR . Total amount repayable £6083.48 at £167.18 per month for 36 months. 


Personal Loan
£5918.40
(£918.40)
£164.40
  • Lower rates available for existing Ulster Bank current account customers
Details... 
  Representative Example: Based on a loan of £5,000 at 11.90% per annum fixed. Representative 11.9% APR . Total amount repayable £5918.40 at £164.40 per month for 36 months. 


Personal Loan
£5763.96
(£763.96)
£160.11
  • Current account required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 9.90% per annum fixed. Representative 9.9% APR . Total amount repayable £5763.96 at £160.11 per month for 36 months. 


Existing Customer Personal Loan
£
(£)
£
  • Current account required with lender to repay loan
Details... 
  Representative Example:  


Personal Loan
£5470.92
(£470.92)
£151.97
  • Current account required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 6.10% per annum fixed. Representative 6.1% APR . Total amount repayable £5470.92 at £151.97 per month for 36 months. 


Personal Loan
£5439.96
(£439.96)
£151.11
  • Rates available to new and existing customers
Details... 
  Representative Example: Based on a loan of £5,000 at 5.70% per annum fixed. Representative 5.7% APR . Total amount repayable £5439.96 at £151.11 per month for 36 months. 


Personal Loan
£5378.04
(£378.04)
£149.39
  • To apply you must be an existing customer or open a first direct current account
Details... 
  Representative Example: Based on a loan of £5,000 at 4.90% per annum fixed. Representative 4.9% APR . Total amount repayable £5378.04 at £149.39 per month for 36 months. 


Existing Customer Online Personal Loan
£5918.40
(£918.40)
£164.40
  • Current account required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 11.57% per annum fixed. Representative 11.9% APR . Total amount repayable £5918.40 at £164.40 per month for 36 months. 


Online Personal Loan
£5648.40
(£648.40)
£156.90
  • Optional 2 month repayment break allowed (subject to approval)
Details... 
  Representative Example: Based on a loan of £5,000 at 8.40% per annum fixed. Representative 8.4% APR . Total amount repayable £5648.40 at £156.90 per month for 36 months. 


Existing Customer Personal Loan
£
(£)
£
  • Current account required with lender to repay loan
Details... 
  Representative Example:  


Existing Customer Online Personal Loan
£5532.48
(£532.48)
£153.68
  • Current account required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 6.90% per annum fixed. Representative 6.9% APR . Total amount repayable £5532.48 at £153.68 per month for 36 months. 


Existing Customer Personal Loan
£
(£)
£
  • Optional first payment due after 3 months of taking loan (during which interest is charged)
Details... 
  Representative Example:  


Existing Customer Personal Loan
£
(£)
£
  • Existing current account customers only
Details... 
  Representative Example:  


Personal Loan
£5455.44
(£455.44)
£151.54
  • Available to new and existing customers, age restrictions and minimum income apply
Details... 
  Representative Example: Based on a loan of £5,000 at 5.95% per annum fixed. Representative 5.9% APR . Total amount repayable £5455.44 at £151.54 per month for 36 months. 


Personal Loan
£5455.44
(£455.44)
£151.54
  • Available to new and existing customers, age restrictions and minimum income apply
Details... 
  Representative Example: Based on a loan of £5,000 at 5.95% per annum fixed. Representative 5.9% APR . Total amount repayable £5455.44 at £151.54 per month for 36 months. 


Existing Customer Personal Loan
£5686.92
(£686.92)
£157.97
  • Rates for existing current account holders
Details... 
  Representative Example: Based on a loan of £5,000 at 8.90% per annum fixed. Representative 8.9% APR . Total amount repayable £5686.92 at £157.97 per month for 36 months. 


Personal Loan Non Nectar
£5416.56
(£416.56)
£150.46
  • Option to make no repayments for first 2 months (during which interest will be charged)
Details... 
  Representative Example: Based on a loan of £5,000 at 5.40% per annum fixed. Representative 5.4% APR . Total amount repayable £5416.56 at £150.46 per month for 36 months. 


Personal Loan
£5378.04
(£378.04)
£149.39
  • Applicants must be aged 18 or over with a minimum annual income of £10,000
Details... 
  Representative Example: Based on a loan of £5,000 at 4.90% per annum fixed. Representative 4.9% APR . Total amount repayable £5378.04 at £149.39 per month for 36 months. 


Existing Customer Barclayloan
£5763.96
(£763.96)
£160.11
  • Existing current account customers only
Details... 
  Representative Example: Based on a loan of £5,000 at 9.90% per annum fixed. Representative 9.9% APR . Total amount repayable £5763.96 at £160.11 per month for 36 months. 


Personal Loan
£5401.08
(£401.08)
£150.03
  • In most cases, decision made within 24 hours
Details... 
  Representative Example: Based on a loan of £5,000 at 5.20% per annum fixed. Representative 5.2% APR . Total amount repayable £5401.08 at £150.03 per month for 36 months. 


3 Year Unsecured Personal Loan
£5625.00
(£625.00)
£156.25
  • Application fee of £140 applies plus variable fee dependent on credit rating
Details... 
  Representative Example: Based on a loan of £5,000 at 5.90% per annum fixed. Application fee of £140.00 applies. Representative 8.1% APR . Total amount repayable £5625.00 at £156.25 per month for 36 months. 


Existing Customer Personal Loan
£5918.40
(£918.40)
£164.40
  • Applicants must be UK residents, and have a minimum annual income of £10,000
Details... 
  Representative Example: Based on a loan of £5,000 at 11.57% per annum fixed. Representative 11.9% APR . Total amount repayable £5918.40 at £164.40 per month for 36 months. 


Standard Nectar Cardholder Loan
£5409.00
(£409.00)
£150.25
  • Available to shoppers with a Nectar card used with Sainsbury's in the last 6 months
Details... 
  Representative Example: Based on a loan of £5,000 at 5.30% per annum fixed. Representative 5.3% APR . Total amount repayable £5409.00 at £150.25 per month for 36 months. 


Personal Loan (Fair)
£7837.20
(£2837.20)
£217.70
  • Available to customers with a fair credit rating
Details... 
  Representative Example: Based on a loan of £5,000 at 37.10% per annum fixed. Representative 37.1% APR . Total amount repayable £7837.20 at £217.70 per month for 36 months. 


A*
£
(£)
£
  • Application fee of £130 applies
Details... 
  Representative Example:  


Personal Loan
£5609.52
(£609.52)
£155.82
  • Current account required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 7.90% per annum fixed. Representative 7.9% APR . Total amount repayable £5609.52 at £155.82 per month for 36 months. 


1 Year Unsecured Personal Loan
£
(£)
£
  • Application fee of £140 applies plus variable fee dependent on credit rating
Details... 
  Representative Example:  


2 Year Unsecured Personal Loan
£
(£)
£
  • Application fee of £140 applies plus variable fee dependent on credit rating
Details... 
  Representative Example:  


Personal Loan (Poor)
£9874.08
(£4874.08)
£274.28
  • Available to customers with a poor credit rating
Details... 
  Representative Example: Based on a loan of £5,000 at 65.10% per annum fixed. Representative 65.1% APR . Total amount repayable £9874.08 at £274.28 per month for 36 months. 


Guarantor Personal Loan
£8783.28
(£3783.28)
£243.98
  • Available to all credit rating customers. Guarantor required.
Details... 
  Representative Example: Based on a loan of £5,000 at 49.90% per annum variable. Representative 49.9% APR . Total amount repayable £8783.28 at £243.98 per month for 36 months. 


A*
£
(£)
£
  • Application fee of £10 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £20 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £120 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £140 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £150 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £160 applies
Details... 
  Representative Example:  


A*
£5393.52
(£393.52)
£149.82
  • Application fee of £30 applies
Details... 
  Representative Example: Based on a loan of £5,000 at 4.68% per annum fixed. Application fee of £30.00 applies. Representative 5.1% APR . Total amount repayable £5393.52 at £149.82 per month for 36 months. 


A*
£
(£)
£
  • Application fee of £40 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £50 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £60 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £70 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £80 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £90 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £100 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £110 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £170 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £180 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £190 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • Application fee of £200 applies
Details... 
  Representative Example:  


A*
£
(£)
£
  • No application fee applies
Details... 
  Representative Example:  


4 Year Unsecured Personal Loan
£
(£)
£
  • Application fee of £140 applies plus variable fee dependent on credit rating
Details... 
  Representative Example:  


5 Year Unsecured Personal Loan
£
(£)
£
  • Application fee of £140 applies plus variable fee dependent on credit rating
Details... 
  Representative Example:  


Creation Loans
£5995.44
(£995.44)
£166.54
  • Minimum age restrictions apply
Details... 
  Representative Example: Based on a loan of £5,000 at 12.90% per annum fixed. Representative 12.9% APR . Total amount repayable £5995.44 at £166.54 per month for 36 months. 


Hitachi Personal Loan
£5409.00
(£409.00)
£150.25
  • Electronic signature accepted so money can be in the account within 48 hours
Details... 
  Representative Example: Based on a loan of £5,000 at 5.30% per annum fixed. Representative 5.3% APR . Total amount repayable £5409.00 at £150.25 per month for 36 months. 


Homeowner Guarantor Loan
£8637.12
(£3637.12)
£239.92
  • Available to customers with a poor credit rating. Guarantor required.
Details... 
  Representative Example: Based on a loan of £5,000 at 39.80% per annum fixed. Representative 47.9% APR . Total amount repayable £8637.12 at £239.92 per month for 36 months. 


6 Month Unsecured Personal Loan
£
(£)
£
  • Application fee of £140 applies plus variable fee dependent on credit rating
Details... 
  Representative Example:  


9 Month Unsecured Personal Loan
£
(£)
£
  • Application fee of £140 applies plus variable fee dependent on credit rating
Details... 
  Representative Example:  


18 Month Unsecured Personal Loan
£
(£)
£
  • Application fee of £140 applies plus variable fee dependent on credit rating
Details... 
  Representative Example:  


Existing Choice, Freedom or Prestige C/Acc Customers
£5725.44
(£725.44)
£159.04
  • Current account required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 9.40% per annum fixed. Representative 9.4% APR . Total amount repayable £5725.44 at £159.04 per month for 36 months. 


Existing Customer Personal Loan
£5378.04
(£378.04)
£149.39
  • Applicants must be an existing customer, aged 18 or over with a minimum annual income of £10,000
Details... 
  Representative Example: Based on a loan of £5,000 at 4.90% per annum fixed. Representative 4.9% APR . Total amount repayable £5378.04 at £149.39 per month for 36 months. 


123 Customers Personal Loan
£5378.04
(£378.04)
£149.39
  • 123 Current Account and/or 123 Credit Card holders
Details... 
  Representative Example: Based on a loan of £5,000 at 4.90% per annum fixed. Representative 4.9% APR . Total amount repayable £5378.04 at £149.39 per month for 36 months. 


Premier Customer Personal Loan
£5470.92
(£470.92)
£151.97
  • Open to Premier customers only
Details... 
  Representative Example: Based on a loan of £5,000 at 6.10% per annum fixed. Representative 6.1% APR . Total amount repayable £5470.92 at £151.97 per month for 36 months. 


Personal Loan
£6057.00
(£1057.00)
£168.25
  • Current account required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 13.70% per annum fixed. Representative 13.7% APR . Total amount repayable £6057.00 at £168.25 per month for 36 months. 


Personal Loan
£6915.60
(£1915.60)
£192.10
  • Instant online decision
Details... 
  Representative Example: Based on a loan of £5,000 at 24.90% per annum fixed. Representative 24.9% APR . Total amount repayable £6915.60 at £192.10 per month for 36 months. 


Plus Personal Loan
£6149.52
(£1149.52)
£170.82
  • Instant online decision
Details... 
  Representative Example: Based on a loan of £5,000 at 14.90% per annum fixed. Representative 14.9% APR . Total amount repayable £6149.52 at £170.82 per month for 36 months. 


Fair Personal Loan
£
(£)
£
  • Available to customers with a poor credit rating.
Details... 
  Representative Example:  


Existing Customer Fair Personal Loan
£
(£)
£
  • Available to customers with a poor credit rating.
Details... 
  Representative Example:  


Tenant Guarantor Loan
£
(£)
£
  • Available to customers with a poor credit rating. Guarantor required.
Details... 
  Representative Example:  


Guarantor Loan
£8423.64
(£3423.64)
£233.99
  • Available to all credit rating customers. Guarantor required.
Details... 
  Representative Example: Based on a loan of £5,000 at 37.70% per annum fixed. Representative 45.0% APR . Total amount repayable £8423.64 at £233.99 per month for 36 months. 


Loan
£5455.44
(£455.44)
£151.54
  • Minimum age restrictions apply, available to new and existing customers
Details... 
  Representative Example: Based on a loan of £5,000 at 5.90% per annum fixed. Representative 5.9% APR . Total amount repayable £5455.44 at £151.54 per month for 36 months. 


Existing Customer Clarity Online Personal Loan
£5763.96
(£763.96)
£160.11
  • Current account required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 9.48% per annum fixed. Representative 9.9% APR . Total amount repayable £5763.96 at £160.11 per month for 36 months. 


Existing Customer Flexible Personal Loan
£5763.96
(£763.96)
£160.11
  • Current account held for 3 months required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 9.48% per annum fixed. Representative 9.9% APR . Total amount repayable £5763.96 at £160.11 per month for 36 months. 


Existing Customer Flexible Personal Loan
£5995.44
(£995.44)
£166.54
  • Current account held for 3 months required with lender to repay loan
Details... 
  Representative Example: Based on a loan of £5,000 at 12.20% per annum fixed. Representative 12.9% APR . Total amount repayable £5995.44 at £166.54 per month for 36 months. 
Ladder Loans
Personal Loan
£
(£)
£
  • Available to all credit rating customers.
Details... 
  Representative Example:  


Guarantor Loan
£8453.16
(£3453.16)
£234.81
  • Available to all credit rating customers. Guarantor required.
Details... 
  Representative Example: Based on a loan of £5,000 at 45.40% per annum fixed. Representative 45.4% APR . Total amount repayable £8453.16 at £234.81 per month for 36 months. 


Personal Loan (Fair)
£
(£)
£
  • Available to customers with a fair credit rating
Details... 
  Representative Example:  


Personal Loan (Poor)
£
(£)
£
  • Available to customers with a poor credit rating
Details... 
  Representative Example:  


Online Personal Loan
£5378.04
(£378.04)
£149.39
  • Available to new and existing customers, age restrictions apply
Details... 
  Representative Example: Based on a loan of £5,000 at 4.90% per annum fixed. Representative 4.9% APR . Total amount repayable £5378.04 at £149.39 per month for 36 months. 


Select Customers Personal Loan
£5378.04
(£378.04)
£149.39
  • Available to Santander Select customers only
Details... 
  Representative Example: Based on a loan of £5,000 at 4.90% per annum fixed. Representative 4.9% APR . Total amount repayable £5378.04 at £149.39 per month for 36 months. 


Unsecured Personal Loan
£5493.96
(£493.96)
£152.61
  • Application fee of 1% + £70
Details... 
  Representative Example: Based on a loan of £5,000 at 4.60% per annum fixed. Representative 6.4% APR . Total amount repayable £5493.96 at £152.61 per month for 36 months. 


duo Guarantor Personal Loan
£8046.00
(£3046.00)
£223.50
  • Available to all credit rating customers. Homeowner guarantor required.
Details... 
  Representative Example: Based on a loan of £5,000 at 34.00% per annum fixed. Representative 39.9% APR . Total amount repayable £8046.00 at £223.50 per month for 36 months. 


Personal Loan
£5409.00
(£409.00)
£150.25
  • Minimum income £14,000 a year
Details... 
  Representative Example: Based on a loan of £5,000 at 4.90% per annum fixed. Application fee of £40.00 applies. Representative 5.3% APR . Total amount repayable £5409.00 at £150.25 per month for 36 months. 


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


2 Year Personal Loan
£
(£)
£
  • Instant online decision. Money can be in account within 2 hours
Details... 
  Representative Example:  


Existing Customer Personal Loan
£6287.76
(£1287.76)
£174.66
  • Rates for existing current account holders
Details... 
  Representative Example: Based on a loan of £5,000 at 15.60% per annum fixed. Representative 16.7% APR . Total amount repayable £6287.76 at £174.66 per month for 36 months. 


3 Year Personal Loan
£5409.00
(£409.00)
£150.25
  • Instant online decision. Money can be in account within 2 hours
Details... 
  Representative Example: Based on a loan of £5,000 at 4.31% per annum fixed. Representative 5.3% APR . Total amount repayable £5409.00 at £150.25 per month for 36 months. 


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Personal Loan
£
(£)
£
  • Minimum income £14,000 a year
Details... 
  Representative Example:  


Debt Cycle Buster Loan
£5694.48
(£694.48)
£158.18
  • Fee of 3%-4%
Details... 
  Representative Example: Based on a loan of £5,000 at 9.00% per annum fixed. Representative 9.0% APR . Total amount repayable £5694.48 at £158.18 per month for 36 months. 


Personal Loan
£8680.68
(£3680.68)
£241.13
  • Instant online decision
Details... 
  Representative Example: Based on a loan of £5,000 at 48.50% per annum fixed. Representative 48.5% APR . Total amount repayable £8680.68 at £241.13 per month for 36 months. 


1 Year Personal Loan
£
(£)
£
  • Instant online decision. Money can be in account within 2 hours
Details... 
  Representative Example:  


5 Year Personal Loan
£
(£)
£
  • Instant online decision. Money can be in account within 2 hours
Details... 
  Representative Example:  


Guarantor Personal Loan
£8754.12
(£3754.12)
£243.17
  • Guarantor with a good credit history required.
Details... 
  Representative Example: Based on a loan of £5,000 at 49.50% per annum fixed. Representative 49.5% APR . Total amount repayable £8754.12 at £243.17 per month for 36 months. 


Personal Loan
£8046.00
(£3046.00)
£223.50
  • Available to customers with a poor credit rating
Details... 
  Representative Example: Based on a loan of £5,000 at 12.00% per annum fixed. Application fee of £300.00 applies. Representative 39.9% APR . Total amount repayable £8046.00 at £223.50 per month for 36 months. 
Compare
Last Updated: Wednesday 28 January 2015 08:16

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Disclaimer:
The APR quoted is representative of the interest rate offered to most applicants. Depending on your personal circumstances the APR you are offered may be higher. Please check all rates and terms before borrowing.

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Loans: Best £5K Loans explained

Moneyfacts researchers compare the market for cheap loans to show you the best loans on offer in the UK. The loan rates we show in our £5K Loan Best Buy table are based on borrowing at least £5000 over a loan repayment period of 3 years.  The loans in this Best Buy are called "personal" or "unsecured" loans as they are not secured against your property. 

To ensure you really are getting a cheap loan, there are a number of things you should consider before applying for a loan.  A lender may advertise a loan with deferred repayments, which means you don’t make any loan repayments for a few months at the start. Don't forget that interest will still roll up, making both the monthly repayment and the total amount repayable larger. The same applies to personal loans with 'payment breaks' during the loan term if you make use of these.  Some banks may make a payment into your account on the same day you apply but you could incur a fee. 

Read our tips on how to find the cheap loans here.

 

Also try Moneyfacts Best Buys

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