Data as of September 25, 2026
Data and statistics
Top loans for bad credit compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 19.98 % | 66 |
| Lower quartile apr | 6.62 % | 66 |
| Upper quartile apr | 52.97 % | 66 |
| Lowest apr | 0 % | 66 |
| Highest apr | 42,533 % | 66 |
| Median amount | 346.97 EUR | 196 |
| Lower quartile amount | 53.69 EUR | 196 |
| Upper quartile amount | 1,314.69 EUR | 196 |
| Lowest amount | 4.96 EUR | 196 |
| Highest amount | 308,261.41 EUR | 196 |
| Median term months | 17 | 42 |
| Lower quartile term months | 3.25 | 42 |
| Upper quartile term months | 60 | 42 |
| Lowest term months | 1 | 42 |
Top business loans compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 11.7 % | 75 |
| Lower quartile apr | 5.99 % | 75 |
| Upper quartile apr | 18.5 % | 75 |
| Lowest apr | 0 % | 75 |
| Highest apr | 50 % | 75 |
| Median amount | 1,315.44 EUR | 169 |
| Lower quartile amount | 410.76 EUR | 169 |
| Upper quartile amount | 17,539.24 EUR | 169 |
| Lowest amount | 1.75 EUR | 169 |
| Highest amount | 4,384,811.01 EUR | 169 |
| Median term months | 42 | 88 |
| Lower quartile term months | 13.5 | 88 |
| Upper quartile term months | 60 | 88 |
| Lowest term months | 1 | 88 |
Top buy now, pay later compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 2.1 % | 29 |
| Lower quartile apr | 0 % | 29 |
| Upper quartile apr | 26.99 % | 29 |
| Lowest apr | 0 % | 29 |
| Highest apr | 195 % | 29 |
| Median amount | 123.88 EUR | 34 |
| Lower quartile amount | 41.55 EUR | 34 |
| Upper quartile amount | 681.38 EUR | 34 |
| Lowest amount | 7.02 EUR | 34 |
| Highest amount | 22,881.1 EUR | 34 |
| Median term months | 1.5 | 13 |
| Lower quartile term months | 1 | 13 |
| Upper quartile term months | 24 | 13 |
| Lowest term months | 1 | 13 |
Top car loans compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 9.99 % | 91 |
| Lower quartile apr | 6.5 % | 91 |
| Upper quartile apr | 16.86 % | 91 |
| Lowest apr | 0 % | 91 |
| Highest apr | 155.8 % | 91 |
| Median amount | 1,058.76 EUR | 201 |
| Lower quartile amount | 500 EUR | 201 |
| Upper quartile amount | 3,082.61 EUR | 201 |
| Lowest amount | 4.48 EUR | 201 |
| Highest amount | 225,863.6 EUR | 201 |
| Median term months | 60 | 73 |
| Lower quartile term months | 36 | 73 |
| Upper quartile term months | 84 | 73 |
| Lowest term months | 1 | 73 |
Top cash advance apps compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 0 % | 14 |
| Lower quartile apr | 0 % | 14 |
| Upper quartile apr | 21.75 % | 14 |
| Lowest apr | 0 % | 14 |
| Highest apr | 2,339 % | 14 |
| Median amount | 87.7 EUR | 21 |
| Lower quartile amount | 18.95 EUR | 21 |
| Upper quartile amount | 538.22 EUR | 21 |
| Lowest amount | 0 EUR | 21 |
| Highest amount | 26,308.87 EUR | 21 |
| Median term months | 10 | 11 |
| Lower quartile term months | 1 | 11 |
| Upper quartile term months | 60 | 11 |
| Lowest term months | 1 | 11 |
Top lines of credit compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 10.5 % | 89 |
| Lower quartile apr | 4.86 % | 89 |
| Upper quartile apr | 20 % | 89 |
| Lowest apr | 0 % | 89 |
| Highest apr | 195 % | 89 |
| Median amount | 885.74 EUR | 159 |
| Lower quartile amount | 183.42 EUR | 159 |
| Upper quartile amount | 5,000 EUR | 159 |
| Lowest amount | 4.58 EUR | 159 |
| Highest amount | 4,384,811.01 EUR | 159 |
| Median term months | 36 | 59 |
| Lower quartile term months | 12 | 59 |
| Upper quartile term months | 60 | 59 |
| Lowest term months | 1 | 59 |
Top debt consolidation loans compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 8.42 % | 89 |
| Lower quartile apr | 4.9 % | 89 |
| Upper quartile apr | 12.9 % | 89 |
| Lowest apr | 0 % | 89 |
| Highest apr | 60 % | 89 |
| Median amount | 1,000 EUR | 294 |
| Lower quartile amount | 344.67 EUR | 294 |
| Upper quartile amount | 3,062.21 EUR | 294 |
| Lowest amount | 4.58 EUR | 294 |
| Highest amount | 438,481.1 EUR | 294 |
| Median term months | 60 | 36 |
| Lower quartile term months | 48 | 36 |
| Upper quartile term months | 73.5 | 36 |
| Lowest term months | 1 | 36 |
Top equity release compared
| Metric | Value | Sample |
|---|---|---|
| Median amount | 11,621.83 EUR | 9 |
| Lower quartile amount | 5,000 EUR | 9 |
| Upper quartile amount | 42,350.45 EUR | 9 |
| Lowest amount | 807.33 EUR | 9 |
| Highest amount | 343,335.85 EUR | 9 |
| Credit check: hard | 69.2 % | 13 |
| Credit check: soft-prequal | 15.4 % | 13 |
| Credit check: none | 15.4 % | 13 |
| Model: fixed-rate | 100 % | 6 |
| Feature: same-day-funding | 37.5 % | 8 |
| Feature: credit-line | 75 % | 8 |
| Rate type: fixed | 33.3 % | 12 |
| Rate type: variable | 66.7 % | 12 |
| Lender kind: direct-lender | 82.6 % | 23 |
Top home equity loans and HELOCs compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 8.95 % | 19 |
| Lower quartile apr | 5.71 % | 19 |
| Upper quartile apr | 12.84 % | 19 |
| Lowest apr | 1 % | 19 |
| Highest apr | 16 % | 19 |
| Median amount | 2,000 EUR | 54 |
| Lower quartile amount | 1,000 EUR | 54 |
| Upper quartile amount | 11,031.94 EUR | 54 |
| Lowest amount | 84.62 EUR | 54 |
| Highest amount | 343,335.85 EUR | 54 |
| Median term months | 60 | 9 |
| Lower quartile term months | 36 | 9 |
| Upper quartile term months | 60 | 9 |
| Lowest term months | 30 | 9 |
Top home improvement loans compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 9.26 % | 139 |
| Lower quartile apr | 6.5 % | 139 |
| Upper quartile apr | 15.2 % | 139 |
| Lowest apr | 0 % | 139 |
| Highest apr | 195 % | 139 |
| Median amount | 1,000 EUR | 332 |
| Lower quartile amount | 350.74 EUR | 332 |
| Upper quartile amount | 3,082.61 EUR | 332 |
| Lowest amount | 1.75 EUR | 332 |
| Highest amount | 400,000 EUR | 332 |
| Median term months | 60 | 75 |
| Lower quartile term months | 24 | 75 |
| Upper quartile term months | 84 | 75 |
| Lowest term months | 1 | 75 |
Top mortgages compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 8.84 % | 108 |
| Lower quartile apr | 6.47 % | 108 |
| Upper quartile apr | 13.18 % | 108 |
| Lowest apr | 0 % | 108 |
| Highest apr | 44.13 % | 108 |
| Median amount | 1,500 EUR | 219 |
| Lower quartile amount | 528.24 EUR | 219 |
| Upper quartile amount | 8,997.36 EUR | 219 |
| Lowest amount | 4.48 EUR | 219 |
| Highest amount | 4,384,811.01 EUR | 219 |
| Median term months | 60 | 74 |
| Lower quartile term months | 51 | 74 |
| Upper quartile term months | 120 | 74 |
| Lowest term months | 6 | 74 |
Top payday and short-term loans compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 36.5 % | 57 |
| Lower quartile apr | 18 % | 57 |
| Upper quartile apr | 97.16 % | 57 |
| Lowest apr | 0 % | 57 |
| Highest apr | 82,901.36 % | 57 |
| Median amount | 100 EUR | 126 |
| Lower quartile amount | 49.55 EUR | 126 |
| Upper quartile amount | 256.48 EUR | 126 |
| Lowest amount | 1.75 EUR | 126 |
| Highest amount | 58,454.18 EUR | 126 |
| Median term months | 21 | 50 |
| Lower quartile term months | 1 | 50 |
| Upper quartile term months | 60 | 50 |
| Lowest term months | 1 | 50 |
Top personal loans compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 12.25 % | 296 |
| Lower quartile apr | 6.86 % | 296 |
| Upper quartile apr | 25.03 % | 296 |
| Lowest apr | 0 % | 296 |
| Highest apr | 82,901.36 % | 296 |
| Median amount | 556.48 EUR | 565 |
| Lower quartile amount | 107.64 EUR | 565 |
| Upper quartile amount | 2,500 EUR | 565 |
| Lowest amount | 1.75 EUR | 565 |
| Highest amount | 653,159.33 EUR | 565 |
| Median term months | 48 | 191 |
| Lower quartile term months | 12 | 191 |
| Upper quartile term months | 60 | 191 |
| Lowest term months | 1 | 191 |
Top private student loans compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 8.97 % | 34 |
| Lower quartile apr | 6.45 % | 34 |
| Upper quartile apr | 12.8 % | 34 |
| Lowest apr | 0 % | 34 |
| Highest apr | 23.58 % | 34 |
| Median amount | 1,000 EUR | 66 |
| Lower quartile amount | 300 EUR | 66 |
| Upper quartile amount | 3,082.61 EUR | 66 |
| Lowest amount | 4.48 EUR | 66 |
| Highest amount | 167,700.82 EUR | 66 |
| Median term months | 60 | 38 |
| Lower quartile term months | 36 | 38 |
| Upper quartile term months | 111 | 38 |
Top remortgage deals compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 8.84 % | 87 |
| Lower quartile apr | 6.02 % | 87 |
| Upper quartile apr | 12.25 % | 87 |
| Lowest apr | 0 % | 87 |
| Highest apr | 30 % | 87 |
| Median amount | 1,753.92 EUR | 174 |
| Lower quartile amount | 876.96 EUR | 174 |
| Upper quartile amount | 9,806.27 EUR | 174 |
| Lowest amount | 84.62 EUR | 174 |
| Highest amount | 1,500,000 EUR | 174 |
| Median term months | 84 | 45 |
| Lower quartile term months | 60 | 45 |
| Upper quartile term months | 120 | 45 |
Top secured loans compared
| Metric | Value | Sample |
|---|---|---|
| Median apr | 11.52 % | 104 |
| Lower quartile apr | 6.5 % | 104 |
| Upper quartile apr | 18.06 % | 104 |
| Lowest apr | 0 % | 104 |
| Highest apr | 365 % | 104 |
| Median amount | 2,000 EUR | 171 |
| Lower quartile amount | 500 EUR | 171 |
| Upper quartile amount | 16,443.04 EUR | 171 |
| Lowest amount | 4.38 EUR | 171 |
| Highest amount | 8,769,622.03 EUR | 171 |
| Median term months | 60 | 99 |
| Lower quartile term months | 33 | 99 |
| Upper quartile term months | 84 | 99 |
Across the site
| Metric | Value | Sample |
|---|---|---|
| Median apr | 12 % | 332 |
| Lower quartile apr | 6.13 % | 332 |
| Upper quartile apr | 24.92 % | 332 |
| Lowest apr | 0 % | 332 |
| Highest apr | 82,901.36 % | 332 |
| Median amount | 876.96 EUR | 640 |
| Lower quartile amount | 114.37 EUR | 640 |
| Upper quartile amount | 3,100.39 EUR | 640 |
| Lowest amount | 0 EUR | 640 |
| Highest amount | 8,769,622.03 EUR | 640 |
| Median term months | 36 | 193 |
| Lower quartile term months | 12 | 193 |
| Upper quartile term months | 60 | 193 |
| Lowest term months | 1 | 193 |
| Highest term months | 480 | 193 |
| Credit check: hard | 72.7 % | 736 |
| Credit check: soft-prequal | 20.4 % | 736 |
| Credit check: none | 6.9 % | 736 |
| Model: fixed-rate | 100 % | 585 |
| Feature: same-day-funding | 82.9 % | 701 |
| Feature: credit-line | 34.4 % | 701 |
| Rate type: fixed | 80.5 % | 722 |
| Rate type: variable | 19.5 % | 722 |
| Lender kind: direct-lender | 72.1 % | 1,085 |
| Lender kind: broker | 20.6 % | 1,085 |
| Lender kind: marketplace | 7.4 % | 1,085 |
| Free early repayment: true | 81.2 % | 613 |
| Free early repayment: false | 18.8 % | 613 |
| Loan types: personal | 85 % | 1,089 |
| Loan types: payday | 18.1 % | 1,089 |
| Loan types: debt-consolidation | 33.9 % | 1,089 |
| Loan types: credit-line | 27.4 % | 1,089 |
| Loan types: secured | 30.5 % | 1,089 |
| Loan types: car | 29.3 % | 1,089 |
| Loan types: business | 25.2 % | 1,089 |
| Loan types: student | 10 % | 1,089 |
| Loan types: cash-advance | 3.5 % | 1,089 |
| Loan types: bnpl | 6.6 % | 1,089 |
| Loan types: guarantor | 4.1 % | 1,089 |
| Loan types: bridging | 2.8 % | 1,089 |
| Credit needed: excellent | 2.1 % | 384 |
| Credit needed: good | 32.6 % | 384 |
| Credit needed: fair | 20.3 % | 384 |
| Credit needed: poor | 45.1 % | 384 |
| Use cases: home-improvement | 100 % | 463 |
| Support channels: email | 79 % | 1,088 |
| Support channels: chat | 33.1 % | 1,088 |
| Support channels: phone | 85 % | 1,088 |
| Support channels: help-centre | 79.8 % | 1,088 |
| Support channels: community | 5.8 % | 1,088 |
| Median initial rate | 4.35 % | 219 |
| Lower quartile initial rate | 3.38 % | 219 |
| Upper quartile initial rate | 6.5 % | 219 |
| Lowest initial rate | 0.6 % | 219 |
| Highest initial rate | 28 % | 219 |
| Median aprc | 4.9 % | 121 |
| Lower quartile aprc | 3.92 % | 121 |
| Upper quartile aprc | 6.79 % | 121 |
| Lowest aprc | 1.88 % | 121 |
| Highest aprc | 64.4 % | 121 |
| Median fixed period years | 6.5 | 178 |
| Lower quartile fixed period years | 3 | 178 |
| Upper quartile fixed period years | 20 | 178 |
| Lowest fixed period years | 0.25 | 178 |
| Highest fixed period years | 40 | 178 |
| Median max ltv | 90 % | 194 |
| Lower quartile max ltv | 80 % | 194 |
| Upper quartile max ltv | 95 % | 194 |
| Lowest max ltv | 30 % | 194 |
| Highest max ltv | 110 % | 194 |
| Purpose: purchase | 96.5 % | 311 |
| Purpose: remortgage | 83.6 % | 311 |
| Purpose: first-time-buyer | 33.4 % | 311 |
| Purpose: buy-to-let | 18.6 % | 311 |
| Purpose: equity-release | 6.1 % | 311 |
| Purpose: home-equity | 26 % | 311 |
| Brands listed | 1,103 brands | 1,103 |
| Partner brands | 71 brands | 1,103 |
| Licensed brands | 682 brands | 1,103 |