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

Unsecured Loans

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Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% pa (variable)
We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender. moneybolt Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd. for the purposes of obtaining a loan. LoanLoad does not provide any loan or consumer credit products directly.

Unsecured Loans

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

Loans subject to status. Over 18s only. Minimum loan amount may apply.
Rates from 4.5% APRC to 65.2% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years. TYPICAL 10.9% APRC variable

Why people choose us

Low Representative APR

APR takes into account the amount of interest that will be charged to you for borrowing a certain amount of money.

Fair, Fixed Interest Rates

We won’t try and fool you by luring you in on a low-interest rate only for it to change later.

Potential to Payoff Your Loan Early

Some lenders and brokers arrange loans with flexibility at the centre of what they do.

We can Arrange Loans up to £25,000

Apply today and the loan you are looking for could be arranged by our lenders or brokers within a few minutes.

Features and Factors that determine the Best Loans

Borrowing money from a lending company is something that many of us in the UK do from time to time. After all, there are times when we simply need extra funding whether it’s to deal with an emergency expense or to improve the overall aesthetics and functionality of our home. With that being said, if you are considering borrowing money from a legal lender in the UK, be sure to aim your sights on the best loans to ensure that you enjoy the best financing deal available.

How to determine the best loans in the UK

Now there are two ways in which you can secure the best loans in the UK. The first one is through traditional lenders like banks and credit unions and the other is through online lenders. In this discussion, we will focus on the latter as there are plenty more advantages you can enjoy form online lenders especially in terms of turnaround time, accessibility, and even in cost affordability.

To enjoy the best loans online, here are some points that you might want to consider:

  1. Interest Rates – Simply put, the interest rates will tell you how much the loan will cost you at the end of the term. The higher the interest rates, the more expensive it naturally will be. So if you want to enjoy the best loans available in the market, try to look for deals that provide the lowest interest rates.
  2. Payment Terms – Generally speaking, a longer repayment term will cost you more in the end as this means that you will have to cover numerous interest rate payments. The ideal term however, will vary from one borrower to the next as every person’s circumstances are unique. As a good rule of thumb, the best loans would be those that offer payment terms that are deal to your monthly earnings and outgoings.
  3. Transparent – There are loans that advertise extremely attractive low interest rates only to shock in the end because of its hefty extra fees and charges. With that being said, the best loan rates are those that are transparent. It will always let you know if there are any fees involved and for what conditions so you will know what to expect.

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Aside from the three key factors mentioned above, it’s also a good idea to consider the lender providing the loan. Overall, make sure that the lender providing the financial product is legal and trustworthy. This will require some form of research and background check in your part but this is extremely necessary if you want to enjoy the best loans that you can get your hands on.

Features of the Best Loans in the UK

The tricky part in determining the best loans is that there is really no universally perfect loan. What we mean to say by this is that a loan which is ideal to one person may not be to another. A lot of this has to do with that fact that every borrower his varying needs and financial circumstances. However, there are general features that may work best with every type of borrower in the UK and they include:

1.) The right lenders

There is no shortage of lenders that promise the best loans in the UK and finding those that are true to their claim might be tricky. To simplify your search for the right lenders in the industry, try to focus on these 3 factors:

  • Caters your personal needs and goals. There are various reasons why people take out loans and the best loans from the right lender should help any borrower satisfy his own needs and goals. If it’s a student who is looking to secure a student loan for example, the lender should be willing to strike a comfortable credit agreement that will only require payments from the borrower once he lands a job and is already financially capable to clear his debt.


  • Experienced and knowledgeable. The lender you choose should also be knowledgeable and experienced enough to determine what it is that you really need. For instance, if you have bad credit, the lender should provide solutions that will help you enjoy the best loans like guarantor and secured loan options.


  • Easy to reach. Obviously, there are plenty of questions and queries that you want to be catered with especially if you are looking for the best loans. A lender should be responsive enough to answer all of them and must also be willing to provide guidance so you can enjoy the right financing solution. This can all be possible if the lender is easy to reach and has a customer service that is ready to assist you anytime of the day.

2.) Ideal to your present needs and circumstances

Ultimately, the best loans will depend entirely on your present needs and circumstances. For example, if you want to enjoy the best loan rates despite your bad credit rating a secured or guarantor loan may be the ideal option. If you want to secure a quick and convenient loan for emergency purposes however, payday loans and other short-term loans online might be the perfect solutions. And if you need to secure extra funding for your business, small or medium term business loans should be the best options that you can consider.

So depending on your needs and circumstances, the best loans may be:

  • Bank Loans
  • Personal Loans
  • Secured Loans
  • Payday Loans
  • Business Loans
  • Guarantor Loans
  • Logbook Loans
  • Doorstep Loans

So those where some of the things that you might need to help you obtain the best loans in the UK. Never forget that the best loans are those that can perfectly cater your unique needs and financial situation and this should be at the heart of your decision. If you determine what you want and for what purpose, it would be easy for you to find the perfect financing option from the right lender.

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Competitive Examples From Other Companies

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You will need to be over 18 and a UK resident with a valid UK address. You must also have a monthly income (from benefits or a job) and a UK bank account.

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

3 most recent personal loan reviews

Review of Avant

The online application is fast and efficient! I was hesitant about "linking in" to my online bank account......However this made the whole application process far quicker! I can honestly recommend Avant - especially if you are worried about being judged on any previous credit history problems......Avant didn't do that! Just a thorough and fair service with good APR.

Review posted by Trevor Donahue, Derry

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Lending Works

Seamless and fluent from application to funds available. Outstanding rate, not match-able anywhere! I can't recommend any higher! Thank you, greatly appreciated and very happy customer.

Review posted by Mark Phillips, Portchester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Zopa

I do have to say one of the best loan sites i have come across, they make everything so easy, with not very good credit history i did't think i had a chance but they accepted me and i can get my life back on track. Thank you again amigo loans.

Review posted by Wayne Crouch, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All Reviews have been acquired from https://uk.trustpilot.com/ to guarantee authenticity.


MONEYBOLT IS A CREDIT BROKER AND NOT A LENDER. We pass your information to a lender once you have been accepted for a plan. We take a fee from the lender only, once you’re approved and we do not add charges to your plan in doing so.

YOU MUST MAKE ALL AGREED PAYMENTS TO AVOID LEGAL ACTION. If for any reason you will be unable to pay the agreed instalment then contact us immediately. Do not ignore the issue as a default payment will not solve itself.

NEVER BORROW MORE THAN YOU CAN AFFORD. Defaulting on payments can lead to serious and life changing financial issues. Make sure you only accept an agreement that is within your ability to repay.

MoneyBolt.co.uk is a registered trading style of Serpable Ltd, which is an Introducer Appointed Representative of Quint Group Limited and is entered on the financial services register under the reference number 780328. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Serpable Ltd is registered in England and Wales (Company number: 10699069), Registered Office, 17 Collingbourne Avenue, Bournemouth, Dorset. BH6 5QR.

Scam Alert – Beware of impersonators, we will NEVER EVER ask for upfront payments, transfer fees or vouchers to guarantee a loan