EV ZoneCompare Personal Loans
Check your eligibility with a soft search that won't affect your credit score. Compare offers from a panel of UK lenders via Brumble. Representative 29.8% APR (fixed).
Brumble works with ClearScore, a credit broker, to help you compare personal loan options from a panel of lenders.
Both Brumble and ClearScore are credit brokers, not lenders.
How Does It Work?
Checking your eligibility for a personal loan via Brumble is quick and easy. You could borrow between £1,000 and £35,000, with repayment terms from 1 to 7 years.
Tell Us What You Need
Enter how much you want to borrow, for how long, and what the loan is for.
See Your Options
A soft search checks your eligibility across multiple lenders. It will not affect your credit score.
Choose and Apply
Pick the offer that works for you then complete your application.
How Much Could a Personal Loan Cost?
Use our personal loan calculator to estimate your monthly repayments and total cost of borrowing. Enter the amount you want to borrow, choose a term, and adjust the APR to see how different rates affect the cost.
Representative example: If you borrow £5,000 over 36 months at a rate of 29.8% APR (fixed), your monthly repayments would be £211.70. The total amount repayable would be £7,621.20. Total cost of credit: £2,621.20. The rate you are offered may differ based on your individual circumstances.
What Can You Use a Personal Loan For?
A personal loan gives you a lump sum to use however you choose. While many people think of personal loans for big purchases like cars, they can also help with home improvements, consolidating existing debts, funding a wedding, or covering an unexpected expense. Here are some of the most common reasons people borrow.
Buy a Car
A car loan lets you own it outright from day one. No mileage limits, no balloon payment, and you can buy from any seller.
Learn more →Buy a Motorbike
Finance a motorbike, scooter, or 125cc with a personal loan. Compare deals via Brumble.
Learn more →Buy an Electric Vehicle
Finance an EV with a personal loan, or explore salary sacrifice as an alternative.
Learn more →Home Improvements
Fund a new kitchen, bathroom, extension, or renovation project.
Consolidate Debt
A debt consolidation loan combines multiple debts into one monthly payment, potentially at a lower rate.
Learn more →Pay for a Wedding
Spread the cost of your wedding day with fixed monthly repayments.
Cover an Emergency
Car repairs, boiler replacement, or an unexpected bill. Borrow what you need.
How Does a Personal Loan Work?
Apply
Borrow
Spend
Repay
When you take out a personal loan, you receive a lump sum into your bank account. You then repay it in fixed monthly instalments over an agreed term, so you always know what you owe and when it will be paid off.
Because a personal loan is unsecured, you do not need to put up your home or car as collateral. The amount you can borrow and the rate you are offered will depend on your credit history, income, and the loan term you choose.
Once approved, most lenders pay out within a few working days. The funds should be used for the purpose you stated in your application, such as buying a vehicle, consolidating debt, or making home improvements.
How Does Debt Consolidation Work?
Debt consolidation means taking out a single personal loan to pay off multiple existing debts. Instead of juggling several payments to different lenders each month, you make one fixed monthly repayment.
Credit Card 1
£3,200
£86/mo
Credit Card 2
£1,800
£54/mo
Store Card
£950
£35/mo
Total: £5,950 across 3 lenders, £175/mo combined
One Personal Loan
£5,950
£125/mo
Saving £50/mo with one fixed repayment
This is especially common with credit card debt. If you are paying minimum payments across multiple cards, a personal loan could combine them into one lower monthly payment with a clear end date.
The key is to pay off the cards in full with the loan, then stop using them. If you continue spending on the cards after consolidating, you could end up worse off than when you started.
If your total debt is under £5,000, a 0% balance transfer credit card may be a cheaper option, provided you can clear the balance within the interest-free period. For larger amounts, a personal loan gives you a fixed repayment plan and a guaranteed end date.
Be aware that spreading repayments over a longer term can mean paying more interest overall, even at a lower rate. Always compare the total cost of the new loan against what you are currently paying.
The example above is purely illustrative. How much you could save depends on your existing credit arrangements, eligibility, the APR you are offered, and the repayment term you choose. All lending is subject to status.
How Much Should You Borrow?
The amount you borrow affects the rate you are offered, the monthly repayment, and the total cost. Here is what to expect at each level.
Under £3,000
A £1,000 to £3,000 loan covers smaller purchases like car repairs, appliances, or an unexpected bill. Interest rates tend to be higher on smaller amounts because lenders need a higher APR to cover their costs on a lower balance. For amounts under £3,000, a 0% purchase credit card may be a cheaper option if you can repay within the interest-free period.
£3,000 to £5,000
A £3,000 to £5,000 loan is a popular range for used cars, home repairs, holidays, or a wedding deposit. Rates start to improve once you pass the £3,000 mark. This is a popular borrowing range for everyday larger purchases.
£5,000 to £7,500
A £5,000 loan or above opens up newer used cars, larger home projects, or spreading the cost of a wedding. The rate you are offered will depend on the amount you borrow and your individual circumstances.
£7,500 to £15,000
The rate you are offered will depend on the amount you borrow and your individual circumstances. Used cars, major renovations, and significant debt consolidation sit in this range. If you are buying a used car from a dealer, consider PCP or HP car finance as alternatives, as these offer greater consumer protections for dealer purchases. If you are buying from a private seller, dealer finance is not available, so a personal loan may be a more practical option.
£15,000 to £25,000
Large purchases, major home improvements, or consolidating substantial debts. The rate you are offered may vary at this level depending on the lender, the term, and your credit profile.
£25,000 to £35,000
Unsecured personal loans are available up to £35,000, but at this level lenders will look closely at your credit history and income. A secured loan may offer a lower rate for larger amounts, but your home may be repossessed if you do not keep up repayments on a loan secured against it. Always compare the total cost of borrowing across both options before deciding.
Over £35,000
Borrowing above £35,000 typically requires a secured loan, which means putting up your home as collateral. Secured loans can offer lower rates, but your home is at risk if you cannot keep up with repayments. Think carefully and take independent advice before securing a loan against your property.
Only borrow what you need. Borrowing more than necessary means paying interest on money you did not need in the first place. Use our Budget Planner to work out what you can comfortably afford to repay each month.
How Can You Get the Cheapest Personal Loan Rate?
The rate you are offered depends on your credit profile, the amount you borrow, and the lender. Here are five things you can do to give yourself the best chance of a lower rate.
Use an eligibility checker first
A soft search shows your likelihood of acceptance without affecting your credit score. Compare offers from multiple lenders before making a formal application. You can check your eligibility via Brumble.
Check your credit file for errors
Mistakes on your credit report can cost you a better rate. Check your file with all three UK credit reference agencies: Experian, Equifax, and TransUnion. Dispute anything that looks wrong.
Get on the electoral roll
Being registered to vote at your current address is one of the simplest ways to improve your credit profile. Lenders use it to verify your identity and address history.
Borrow only what you need
The rate you are offered will depend on the amount you borrow and your individual circumstances. Borrow only what you need and compare the total cost of borrowing.
Space out your applications
Every formal loan application leaves a hard search on your credit file. Multiple hard searches in a short period can make you look risky to lenders. Use soft-search eligibility tools first, then apply to just one lender.
Ready to compare personal loans?
Check your eligibility in minutes. One soft search, no impact on your credit score.
Check Your EligibilityRepresentative 29.8% APR (fixed)
Borrowing Responsibly
Only borrow what you need and can comfortably afford to repay. Before taking out a personal loan, make sure the monthly repayments fit within your budget.
Use our free Budget Planner to check what you can afford.
If you are struggling with existing debt, free and confidential help is available. Contact StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice.
Personal Loans FAQs
Common questions about personal loans, eligibility, and how borrowing works.
Other Ways to Borrow
Car Finance
PCP, HP, or dealer finance. If you already know you want a car, compare car finance options via Brumble.
Compare car finance →Credit Cards
A 0% purchase credit card can be a cheaper way to borrow smaller amounts, as long as you repay within the interest-free period.
Compare credit cards →Secured Loans
For larger amounts, a secured loan uses your home as collateral. Rates can be lower, but your home is at risk if you cannot keep up repayments.
Compare secured loans →