Good credit loans.

Check your eligibility now for loans for £1,000 to £25,000.

Compare UK direct lenders to get your cheapest rate. 



star rating

8.1 out of 10

no fees

no fees, ever

Find your cheapest loan in 2 minutes.

Representative 49.7% APR. Representative Example: Amount of credit: £1,200. Interest rate: 0.34% per day for up to 75 days (25.5% (variable) per annum). Representative 49.7% APR (variable). For example, if you borrow £150 for four days, the interest per day would be £0.51 and the total interest would be £2.04 representing four days at £0.51 per day.

Good credit loans.

Good credit loans, as obvious as it may sound, are loans for those with a good credit profile. If you’ve never ever missed a repayment and are on track with your finances, then you’ll more than likely have a good credit profile and this is the comparison table for you. If you’ve missed no more than one or two payments in the past six months then it’s likely that you have what’s known as a fair credit profile . If you have missed any more than just a couple of payments or have never had any credit accounts, then you will most likely have a bad credit profile and should instead visit our bad credit loans page .

The products you’ll find in our good credit loan comparison table comprises of bank loans , supermarket loans and peer to peer loans, all of whom will offer loans at rates less than 32%.

Bank loans

Bank loans range from £500 and £25,000 with rates as low as 3.2% and repayment periods stretching from one to seven years. Every bank loan featured here is a straight instalment loan with no security required, however, some lenders in this bracket may ask for you to be a homeowner to get access to their lower rates of interest. We’ve included bank loans in the comparison table above but also have a page dedicated to bank loans.

Supermarket loans

Over the past five years, the majority of supermarkets have been granted banking licenses and are offering unsecured instalment loans to customers with good credit profiles . Loan amounts range from £1000 to £25,000, rates range from single figures (in some cases as low as 3.3%) up into the mid teens and repayment periods range from one to five years. We’ve also included supermarket loans in the comparison table above.

Peer to peer

Peer to peer lenders connect savers with potential borrowers, offering competitive rates of interest to both. Loan amounts, repayment periods and interest rates are all pitched at similar levels to banks loans and supermarket loans . Peer to peer lenders have been included in the comparison table above.

What not to do

Good credit loans are exactly what they say on the tin, loans for those with a good credit history. If you know you have bad or even fair credit you’re in the wrong place. If you apply with the lenders in this comparison table it is highly likely you will be declined, further harming your credit file . This will make it increasingly difficult to get accepted for the best rates in the future. If you don’t know your credit score you can easily find it out for free by visiting credit scoring sites such as ClearScore or Noddle. If you do have a poor credit history, you will be better off checking out our bad credit comparison table .

It's also worth noting that depending on how much you borrow, the advertised rate may differ. This is especially the case with bank and supermarket loans, which offer an extensive range of amounts over varying periods.

Acceptance criteria

When applying for a good credit loan you will have to have a spotless credit file . You must be over 18 years old, have a UK bank account, a valid debit card and be able to convince the lender you’ll be able to afford the repayments.

Final word

Good credit loans are in the upper tier of the personal loans market and with stringent acceptance criteria are strictly reserved for those with good credit. If you have anything but a perfect credit file you’re in the wrong place and should pop over to our bad credit comparison tables .