Compare personal finance products
Loans, credit cards, savings and everyday money. Compare UK personal finance products with clear rates, real eligibility checks and no impact on your credit score to look.
Compare personal finance
Savings rates and loan rates are moving in opposite directions
Easy-access savings have edged down while personal loan pricing has stabilised. Reviewing both sides of your money is worth an hour of your time.
Where should I start?
Four common situations, and the sensible first move in each.
You're paying interest on a credit card
A 0% balance transfer card is usually the fastest saving available — often hundreds of pounds over the promotional period.
You need to borrow a fixed amount
A personal loan with a fixed rate and fixed term costs less than card borrowing for anything over about £3,000.
You have savings earning nothing
Money sitting in a current account is losing value to inflation. Easy-access and fixed-rate savings both beat 0%.
Your credit score is holding you back
Small, deliberate changes over six months — electoral roll, utilisation, no new searches — measurably improve the rates you're offered.
How lenders decide what to offer you
- Your credit file shows payment history, current balances, credit utilisation and recent searches.
- Affordability checks compare your income and committed outgoings against the proposed repayment.
- Advertised representative APRs only have to be offered to 51% of successful applicants — your rate may differ.
- Soft eligibility checks show your likely acceptance odds without leaving a mark on your file.
- Multiple hard searches in a short period signal risk and can reduce your chances of approval.
Typical rates right now
Indicative UK market rates. Actual offers depend on your credit profile and amount borrowed.
| Product | Typical rate | Typical term |
|---|---|---|
| Personal loan £7,500 | 6.9% – 12.9% APR | 1 – 7 years |
| Credit card purchases | 22% – 34% APR | Revolving |
| 0% balance transfer | 0% then 24%+ | 12 – 30 months |
| Easy-access savings | 3.5% – 4.6% AER | Instant access |
| 1-year fixed savings | 4.0% – 4.8% AER | 12 months |
How to compare personal finance
Check your eligibility first, then apply once to the right product.
Tell us your situation
What you want to achieve, roughly how much, and your income and outgoings.
See your eligibility
Soft-search results show your likely acceptance odds and personalised rates without affecting your score.
Apply with confidence
Apply to the product you're most likely to be approved for, avoiding wasted hard searches.
Expert advice
People chase the lowest advertised APR and get declined, which then damages their file. Eligibility checking first is the single most valuable habit in personal borrowing.
“One well-targeted application beats four hopeful ones. Your credit file remembers every search for two years.”
Types of personal finance product
Matching the product to the goal is where most of the saving comes from.
Personal loans
Fixed rate, fixed term borrowing from £1,000 to £50,000. Predictable monthly repayments and no surprises.
Credit cards
Revolving credit for everyday spending, with 0% purchase and balance transfer offers available to strong profiles.
Balance transfer cards
Move existing card debt to 0% for a set period, paying a one-off transfer fee of typically 1–3%.
Savings accounts
Easy-access, notice and fixed-rate bonds, all protected up to £85,000 per institution by the FSCS.
ISAs
Tax-free savings and investment wrappers with a £20,000 annual allowance across cash and stocks and shares.
Debt consolidation
Combining several debts into one lower-rate loan to reduce monthly outgoings and simplify repayment.
3 ways to improve the rates you're offered
Six months of small changes can move you into a better pricing tier.
Register on the electoral roll
It's free, takes minutes, and is one of the fastest ways to strengthen your credit file.
Keep card utilisation under 30%
Using a small share of your available credit signals control and lifts your score meaningfully.
Space out applications
Leave at least three months between hard searches wherever you can.
Why choose Grow Your Business?
Wide choice of providers
We compare a broad panel of UK personal finance providers, so you can weigh price, service and contract terms side by side.
Exclusive offers
We negotiate exclusive rates, cashback and switching incentives you won't always find by going direct.
Simple and fast
One short form, one call from a specialist, and quotes tailored to your business — usually within 24 hours.
We compare these providers
Banks, building societies and specialist lenders across the UK.
Barclays
HSBC
Lloyds Bank
NatWest
Santander
Nationwide
Halifax
TSB
Zopa
Tesco Bank
M&S Bank
ShawbrookComparing with us is a no-brainer
“I had £6,200 across three cards at 29%. The eligibility check found a 0% transfer card I was pre-approved for, and I'll clear the lot interest-free.”
Nadia, Sheffield
Latest from our experts
How to improve your credit score in six months
The changes that actually move the needle, in order of impact.
Balance transfer cards explained
Fees, promotional periods and the mistakes that cost people the 0%.
Where to keep your savings in 2026
Easy-access, notice accounts and fixed bonds compared.
Frequently asked questions
Will comparing affect my credit score?
No. Eligibility checks use soft searches, which only you can see. A hard search happens when you formally apply.
What credit score do I need for the best rates?
There's no single threshold — each lender scores differently. Eligibility checks show your realistic odds with each one.
Is a loan cheaper than a credit card?
For larger amounts repaid over time, usually yes. For smaller sums cleared quickly, a 0% card can be cheaper.
Are my savings protected?
Yes, up to £85,000 per person per authorised institution under the FSCS.
Can I repay a loan early?
Yes. Lenders can charge up to 58 days' interest as an early settlement fee, but you'll still usually save overall.
Is your service free?
Yes, comparing is completely free.
Written by the Grow Your Business editorial team · Updated 25 July 2026