Loans in St. Johns

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In a time before self-driving cars, hoverboards and mobile phones, the majority of personal loans were issued in branches of whatever bank was on the local highstreet. Thankfully today, the majority of lenders (even bank-owned lenders) are based in one single location and offer loans remotely via their websites. There are exceptions to that rule though so we've prepared a comparison table just for St. Johns.

We've compared every lender on our panel who currently offers loans in St. Johns and ranked them for you by APR, time to apply and by our unique customer friendliness rating, OPTIOSCORE. You can tailor these results further with our loan search.

You can personalise these results with our loan search.

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11.9% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE

76.6

Good
Representative Example: If you borrow £6,000 over 60 months at a Representative rate of 11.9% APR and an annual interest rate of 12.19% (variable), you would pay 60 monthly instalments of £134.06. The total charge for credit will be £2,043.60 and the total amount payable will be £8,043.60.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • Fixed monthly repayments
  • No initial setup fee
  • Choose your own repayment date
  • Better interest rates for Island Gold and Island Premier account holders

Watch out for

  • Must be aged 18 or over
  • You will need to be a resident of the Channel Islands or Isle of Man
  • You must have a current account with Lloyds
  • You must have good credit history

Fees & charges

  • Maximum APR 11.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
997% APR Representative
Time to apply
OK 02m 00s
Application Time
OPTIOSCORE

44.5

Ok
Representative Example: If you borrow £500 over 4 months at a Representative rate of 997% APR and an annual interest rate of 270.10% (fixed), you would pay 4 monthly instalments of £215.81. The total charge for credit will be £363.24 and the total amount payable will be £863.24.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £200 - £2,000
  • Loan term: 1 - 6 months

Top choice for

  • They will consider applicants with poor credit
  • You'll get an instant decision on a loan
  • No fees
  • Loans can be paid out on the same day in some cases

Watch out for

  • You must be over 18 years old
  • You must be a UK resident
  • You must be in employment or receiving disability or pension benefit/living allowance
  • You must receive more than £750 after tax per month
  • You must have a bank account with a valid debit card

Fees & charges

  • Maximum APR 997%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
1297% APR Representative
Time to apply
OK 02m 01s
Application Time
OPTIOSCORE

60.2

Good
Representative Example: If you borrow £500 over 5 months at a Representative rate of 1,297.0% APR and an annual interest rate of 292.00% (fixed), you would pay 5 monthly instalments of £173.41. The total charge for credit will be £887.05 and the total amount payable will be £1,387.05.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £300 - £600
  • Loan term: 3 - 6 months

Top choice for

  • Repayments can be made over 6 months
  • No upfront fees
  • No charge if you’re unsuccessful with the loan
  • Same day payout

Watch out for

  • You must be between 23 and 65
  • You need to have a valid debit card and Direct Debit facility
  • You must be employed
  • You should have take-home pay of at least £1,000 per month
  • You need to have a mobile phone
  • You must live in the UK

Fees & charges

  • Maximum APR 1297%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
3.4% APR Representative
Time to apply
Slow 05m 00s
Application Time
OPTIOSCORE

79.4

Good
Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £135.93. The total charge for credit will be £655.80 and the total amount payable will be £8,155.80.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • Personalised loan quote doesn’t leave footprint on credit file
  • Online banking customers can apply online
  • Decision in minutes
  • Funds often available the next day

Watch out for

  • You must be aged over 18
  • You must have had a NatWest current account for at least 3 months

Fees & charges

  • Maximum APR 3.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
7.6% APR Representative
Time to apply
Slow 08m 20s
Application Time
OPTIOSCORE

81.3

Great
Representative Example: If you borrow £10,000 over 48 months at a Representative rate of 7.6% APR and an annual interest rate of 7.63% (fixed), you would pay 48 monthly instalments of £271.88. The total charge for credit will be £3,050.00 and the total amount payable will be £13,050.00.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 60 months

Top choice for

  • Loans for Isle of Man residents
  • They don’t charge a fee
  • Established over 80 years ago
  • Fast and personal lending decisions

Watch out for

  • You must be an Isle of Man resident
  • You need to be aged 18 or over
  • You must have a regular income

Fees & charges

  • Maximum APR 7.625%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
3.9% APR Representative
Time to apply
Slow 08m 20s
Application Time
OPTIOSCORE

78.3

Good
Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 3.9% APR and an annual interest rate of 3.90% (variable), you would pay 60 monthly instalments of £137.79. The total charge for credit will be £767.40 and the total amount payable will be £8,267.40.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 120 months

Top choice for

  • Isle of Man residents

Watch out for

  • You must live on the Isle of Man
  • You must have proof of address

Fees & charges

  • Maximum APR 3.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
423.8% APR Representative
Time to apply
OK 02m 30s
Application Time
OPTIOSCORE

38.8

Representative Example: If you borrow £300 over 3 months at a Representative rate of 423.8% APR and an annual interest rate of 180.00% (fixed), you would pay 3 monthly instalments of £130.95. The total charge for credit will be £92.85 and the total amount payable will be £392.85.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £100 - £1,000
  • Loan term: 1 - 6 months

Top choice for

  • Live chat service on the website
  • No charge for fast transfers
  • Existing customers can apply through their online account
  • Early repayments available at any time up to the due date

Watch out for

  • You must be aged at least 21
  • You must reside in England or Wales
  • You must be in regular paid employment

Fees & charges

  • Maximum APR 423.8%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
3% APR Representative
Time to apply
Slow 06m 33s
Application Time
OPTIOSCORE

72.9

Good
Representative Example: If you borrow £17,500 over 60 months at a Representative rate of 3.0% APR and an annual interest rate of 3.0% (fixed), you would pay 60 monthly instalments of £314.13. The total charge for credit will be £1,347.80 and the total amount payable will be £18,847.80.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £25,000
  • Loan term: 12 - 84 months

Top choice for

  • Instant decision
  • Can have payment breaks of up to 2 months per year, subject to certain conditions

Watch out for

  • You must be 21 years of age or older to apply
  • You cannot have any CCJ's registered against you
  • You must be earning a minimum of £12,000 per year
  • Post Office Money® Personal Loans are provided by Bank of Ireland (UK). Post Office Limited is a credit broker and not a lender
  • You must have been a UK resident for three years or longer

Fees & charges

  • Maximum APR 3%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
332.4% APR Representative
Time to apply
OK 03m 00s
Application Time
OPTIOSCORE

37.1

Representative Example: If you borrow £500 over 6 months at a Representative rate of 332.4% APR and an annual interest rate of 100.00% (fixed), you would pay 6 monthly instalments of £125.00. The total charge for credit will be £250.00 and the total amount payable will be £750.00.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £300 - £1,000
  • Loan term: 3 - 12 months

Top choice for

  • Online account management
  • Offers a competitive rate for a loan of this type
  • Bilingual services for Filipino customers
  • Clear rates and defined repayment time

Watch out for

  • A £5 Faster Payment fee will be added to your first repayment
  • Deposits funds into your account 2 hours after
  • Late payment can incur fees up to £10
  • To apply to Kabayan Finance you will need to be 21 or over
  • You must be a UK resident
  • You cannot be bankruptcy or have IVAs
  • You must be in full time employment
  • You must have a valid bank account and debit card

Fees & charges

  • Maximum APR 332.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
1080.3% APR Representative
Time to apply
OK 03m 00s
Application Time
OPTIOSCORE

40.1

Ok
Representative Example: If you borrow £300 with the 5 faster payment fee over 29 days at a representative rate of 1080.3% and an annual interest rate of 240% (fixed), you would repay 1 instalments of £360. The total charge for credit will be £65 (including the £5 faster payment fee upfront) and the total amount repayable will be £365.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £100 - £1,000
  • Loan term: 20 - 40 days

Top choice for

  • Online account management
  • Offers a competitive rate for a loan of this type
  • Bilingual services for Filipino customers
  • Clear rates and defined repayment time

Watch out for

  • A £5 Faster Payment fee will be added to your first repayment
  • Deposits funds into your account 2 hours after
  • Late payment can incur fees up to £10
  • To apply to Kabayan Finance you will need to be 21 or over
  • You must be a UK resident
  • You cannot be bankruptcy or have IVAs
  • You must be in full time employment
  • You must have a valid bank account and debit card

Fees & charges

  • Maximum APR 1080.3%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0
1086% APR Representative
Time to apply
OK 02m 05s
Application Time
OPTIOSCORE

44.0

Ok
Representative Example: If you borrow £600 over 6 months at a Representative rate of 1,086% APR and an annual interest rate of 274% (fixed), you would pay 5 monthly instalments of £189.72 and a final payment of £189.69. The total charge for credit will be £538.29 and the total amount payable will be £1,138.29.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £200 - £600
  • Loan term: 6 - 6 months

Top choice for

  • Funds within 5 minutes of approval
  • You have 3 days after your payment due date before being charged a missed payment fee
  • Repayment duration is 6 months
  • Existing customers can apply for up to £2,000
  • Flexible repayment date

Watch out for

  • You must be aged 18 or over
  • You need to be a UK resident
  • You must own a mobile phone
  • You need to have a bank account with debit card

Fees & charges

  • Maximum APR 1086%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0