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

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 Example
Borrow £7,500 Over 5 Years
Monthly Repayment £157.43
Total Amount Repayable Of £9,445.80
Interest: £1,945.80
Interest Rate: 9.9% (Fixed)
10.9% APR Representative

*Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

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.

Customer Feedback

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

Independent Customer Review

Top Rated Personal Loans Explained in 30 seconds

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

Top Rated Personal Loans Explained in 30 seconds

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.

Get an instant loan decision online up to £25,000 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.

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 – 60 months)
  • Borrow anything between £1,000 to £25,000
  • Fixed monthly payments
  • No hidden fees

Contact Us

  • 01753 463 310
  • 44-46 Windsor Road,
    SL1 2EJ
    United Kingdom

Need More Information?

Whether it’s a £1,000 or £25,000 we’re here to help. Below are a number of guides to help you get the most from Top Rated Personal Loans.

Get an Instant Loan Decision

No paperwork, fill in one simple online form

Apply Now

You may be interested in taking advantage of the offers Top Rated Personal Loans has to offer, but you're still not sure as to where to stand in relation to your credit history. While some people may have some financial setbacks in the past, this doesn't always mean that a loan isn't available. While those with County Court Judgements can't be considered, there are those who may assume that their credit report is more detrimental than it actually is. If you wish to find out more information about your credit file, you can visit one of the following official credit check companies to review the information they hold about you.

As well as reviewing your current financial standing, it will also allow you to rectify any inconsistencies.

Those who are unsure of whether they're registered on the electoral roll can check via the Government website.

Do I Qualify?

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

  • You are over 21 years of age and in permanent employment.
  • You can't be in receipt of any County Court Judgements or bankruptcy.
  • You possess a bank or building society account in your name.
  • That you are a UK resident and have been for the last three years

How it Works

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.

Frequently Asked Questions

How much will I be able to borrow?

The amount that a lender will offer an applicant can vary based on many factors, such as their term of employment and any current credit commitments. Lenders generally offer personal loans from £1,000 to £2,500, but will use the information given to ensure they are lending money responsibly.

How long will it take to repay the loan?

The term of the loan can vary depending on how much you're looking to borrow. Loans under £15,000 can be paid with a year, but you may opt for a longer term. Loan terms can vary between 12 to 60 months.

What is a Representative APR?

In layman's terms, a representative rate is an overall snapshot of what lenders can expect to pay in interest. However, as different lenders will meet different levels of criteria, this can alter dramatically.

What information will I need to apply?

In order to apply for a loan with Top Rated Personal Loan, you will need to have the following information to hand.

 Details of your income, along with any amounts you must pay in relation to rent or a mortgage.
 A home telephone number (must be a landline)
 Details of your residence over the last three years
 The name and address of your employer

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