Quick Decision Personal Loans From £1,000 to £20,000

Fast, Flexible and Competitive

Whether Your Plans Are Big Or Small, We'll Help You Find The Best Loan At The Lowest Rate

Representative
10.9% APR
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

We’re a fully regulated and authorised credit broker and not a lender.


We compare rates from our panel of over 80 direct lenders to get you the lowest APR possible.

Quick Decision

You will know within hours if you have been accepted for a personal loan.

No Fees

Top Rated Personal Loans do not charge any extra fees for our service. Guaranteed!

12-72 months Payment Terms

Choose a repayment period that suits your needs.

UK Site

We are a UK based company and cater towards the British loans market.

Get an instant loan decision online up to £20,000 today

There was a time when a loan application could be a enduring process. However, thanks to the popularity of the online world, it is now possible to fill out an application in mere minutes. As well as offering a simple form to complete, Top Rated Personal Loans will also give you an instant decision regarding the decision.

We compare the top direct lenders in the UK so you have the best chance of getting the cheapest loan rate through us. We always endeavour to be as flexible as possible, so we offer a loan for everyone - even if you have been declined elsewhere, we can still help. Our small loan form is designed to be as easy as possible to fill out with an average result time of just 39 seconds.

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About Top Rated Personal Loans

Regardless of whether you've taken a loan out in the past, or this is your first time, there can be a lot of confusion in the world of finance. Some may struggle to ascertain how much will be paid back, whereas others are unsure of who to turn to when they're in need of a personal loan.

As well as offering a simple application process, Top Rated Personal Loans also prides itself on working alongside some of the best lenders in the industry, and offering customers competitive rates on loans.

Our aim is to get you the best loan at the lowest rate, it’s that simple.

  • Instant decision of a loan application
  • Choose a repayment term that suits you (12 – 72 months)
  • Borrow anything between £1,000 to £20,000
  • Fixed monthly payments
  • No hidden fees
Apply Now!

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Top Rated Personal Loans Explained in 30 seconds

Watch our quick video explaining how we can help you get an instant decision on your loan application.

If this is your first time applying for a personal loan, or it's been some time since you made an application, it's understandable that you may not be aware of what's entailed. Top Rated Personal Loans wants to ensure that all applicants know what to expect during and following a loan application, which is why we have put together a short video explaining the important elements of the application process.

Applying for a loan with Top Rated Personal Loans is a straightforward endeavour. All you need to do is complete the online form and you will be matched with lenders that are able to offer you a loan. During the application process, the lender will ensure that you fully understand the terms and conditions of the loan, including the repayments and the interest being charged.

Watch the video

Are You Eligible for a Loan from Top Rated Personal Loans?


To ensure that you are eligible for a personal loan, applicants should meet the following criteria:

Are You A UK Resident?

You'll need to provide a valid UK passport or birth certificate to prove this.

Are You Employed?

You'll need to earn at least £800 a month to qualify.

Do You Have A Current UK Bank Account?

You'll also need a functioning debit card to be approved.

Are You 18 Or Above?

We cannot issue a loan to those who are below this age.

Finding A Flexible Loan With Us Is As Easy As 1-2-3

Submit An Online Application Form

Applying through Top Rated Personal Loans is always quick and easy. Simply complete our 1-2 page application form. You can apply on the go, or from the comfort of your own home. Better still, there are no calls or paperwork involved!

Receive An Instant Decision

We search the largest panel of UK lenders in real time, so that we can deliver you an instant decision. Within seconds of applying you'll know if a lender has accepted you or not. Unlike banks, our lenders are able to issue loans to people from all different walks of life and accomodate a range of different credit scores. There's an option for everyone!

Access The Cash

The majority of lenders are able to deposit the cash direct to your account, within just 24 hours! We'll never charge you any fees and there is no paperwork to complete. There you have it, receive up to £5,000 in the quickest and simplest way possible today!

What Do Our Clients Say About Us

Couldn't ask for more, Top Rated Personal Loans helped me find a the best loan for me and the money was in my account within a few working days. Would highly recommend to friends and family.

JOHN BYRNE

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