Personal loan rates in the UK during 2026 will vary by lender, loan amount, term and your credit profile, so advertised rates are not guaranteed. Compare the representative APR, as this includes interest and certain fees, but remember that not every applicant will receive that rate. Check the total amount repayable and whether early repayment charges apply, rather than focusing only on the monthly payment. For current deals, compare FCA-authorised lenders and use a soft-search eligibility checker where available.