What are the best unsecured personal loans in 2022?

The Moneyfacts Annual Star Ratings are based on our in-house product experts’ in-depth analysis of all the personal loan products currently on the market. By comparing the consumer benefits afforded by each product, our specialists judge which are worthy of the coveted four-and five-star ratings – signifying products that are truly market leaders in terms of the advantages they offer to customers.

Importantly, the Moneyfacts Star Ratings are both independent and impartial – enabling providers and consumers alike to have complete trust in how we determine the very best personal loans available.

By choosing a product with a four- or five-star Moneyfacts rating, you can be assured that this represents a quality personal loan with above-average features and benefits.

A sizeable number of features are considered for the final rating when it comes to personal loans products. These include:

Bank of Scotland - Existing Customer Personal Loan
Danske Bank - Existing Choice, Prestige or Freedom Current Account Customers
Danske Bank - Personal Loan
first direct - Personal Loan
Halifax - Existing Customer Personal Loan
HSBC - Existing Customer Personal Loan
HSBC - Personal Loan
HSBC - Premier Customer Personal Loan
Lloyds Bank - Existing Customer Personal Loan
M&S Bank - Existing Customer Personal Loan
M&S Bank - Personal Loan
Nationwide Building Society - Main Current Account, Mortgage and Savings Member Personal Loan
NatWest - Existing Customer Personal Loan
Royal Bank of Scotland - Existing Customer Personal Loan
Sainsbury's Bank - Standard Nectar Cardholder Loan
Tesco Bank - Online Personal Loan
TSB - Existing Current Account Customer Personal Loan
TSB - Personal Loan
Ulster Bank - Existing Customer Personal Loan

Barclays Bank - Existing Current Account Customer Barclayloan
Barclays Bank - Existing Premier Account Customer Barclayloan
Halifax - Personal Loan
Lending Works - Personal Loan
Metro Bank - Personal Loan
RateSetter - Personal Loan
Sainsbury's Bank - Standard Non-Nectar Cardholder Loans
Tesco Bank - Telephone Personal Loan
Virgin Money - Existing Customer Personal Loan