Due to COVID-19 many of our lenders have reduced or stopped accepting new customers, which may result in less options in your comparison results. If you're worried about the impact of COVID-19 on your finances, have a look at our Financial Health and Money Tips.



Apply online and for £300 to £25,000. Check your eligibility with UK direct lenders and apply now.



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Representative 49.7% APR (variable). Representative Example: If you borrow £2,600.00 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 41.00% (fixed), you would pay 36 monthly instalments of £126.61. The total charge for credit will be £1,957.89 and the total amount payable will be £4,557.89.

Personal loan FAQs

If you find yourself in a tight spot or are looking to fund a big purchase a personal loan can be a convenient and simple way to get the short term or (long term) cash you need.

Why should I use to Choose Wisely to find a personal loan?

Choose Wisely is here for the millions excluded from mainstream finance because of a credit score. Through simple tools, 1000’s of consumer reviews and expert guides, Choose Wisely gives you the power to get the right product with the best deal as quickly as possible, regardless of your credit history.

How much can I borrow?

Choose Wisely features a range of loans all designed for different circumstances. Loan amounts range from £300 to £25,000 with £1000 and £5000 being popular amounts. Loans can be repaid over a variety of periods including 12 & 24 months. Before you apply, be sure to check your eligibility.

Will I be accepted?

This will depend on a number of factors such as your credit history, affordability and individual circumstances. You can narrow your search to loans that are suitable by completing the Choose Wisely smart search. This includes if you're living in Northern Ireland or the Channel Islands.

Can I get a loan with bad credit?

If you have bad credit you still have options when It comes to borrowing money. The quickest way to to find the right loan for you is with the Choose Wisely smart loan search.

Do I need a guarantor?

This depends on the lender. Best bet is to check the lenders minimum criteria before you apply (click more info in the comparison table).

How long will it take to get the money in my bank?

This will vary from lender to lender. If approved cash can be in your account within as quickly as 15 minutes.

What can I use the money for?

Most loans can be pretty much used for anything. This could include funding a wedding or holiday. Some lenders won’t lend if the purpose is to cover debt, gambling or investing. If you're thinking of using a loan for Christmas , be sure it warrants the debt before you apply.

Does Choose Wisely charge a fee?

No Choose Wisely is completely free to use.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk