Updated September 30, 2026 · BorrowCue Editorial Team

Top lines of credit compared in the United Kingdom

25 lenders available in the United Kingdom, ranked for the United Kingdom.

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Top lines of credit compared in the United Kingdom
#	Lender	Score	Features	Key facts	Actions
1	SparkTop pick	9.3/10	Same day funding	Arrangement fee: 0 Credit check: None Funding time: Instant, on-chain in the borrow transaction	Review Compare See alternatives
2	Bluevine	9.2/10	Same day funding	Loan amount: up to $250,000 Arrangement fee: 0 USD (no maintenance fees) Credit check: Soft prequal	Review Compare See alternatives
3	Metro Bank Re-mortgage package: free standard valuation and either Legal Assist or cashback: Free valuation plus legal fees, or cashback	9.0/10	Fixed rate	APR: 18.9% Loan amount: £150,000 to £10,000,000 Term: 300 months	Review Compare See alternatives
4	NewPay 0% interest instalment plans	9.0/10		APR: 24.9% Loan amount: £100 to £4,000 Term: 6 to 48 months	Review Compare See alternatives
5	OnDeck	9.0/10	Fixed rate Same day funding	APR: 53.2% to 59.8% Loan amount: $5,000 to $400,000 Term: 18 to 24 months	Review Compare See alternatives
6	iwoca	8.9/10	Same day funding	APR: 49% Loan amount: £1,000 to £1,000,000 Term: 12 to 60 months	Review Compare See alternatives
7	Chartwell	8.9/10	Same day funding	Loan amount: £5,000 to £500,000 Term: 12 to 72 months Arrangement fee: Broker arrangement fee may apply	Review Compare See alternatives
8	Flexible Finance	8.9/10		Arrangement fee: Up to 3% split fee Credit check: Soft prequal Funding time: Rent paid in full on time	Review Compare See alternatives
9	Mutual Life Africa	8.7/10		Term: 1 to 12 months Arrangement fee: At disbursement; amount disclosed at application Credit check: Soft prequal	Review Compare See alternatives
10	Capitalise	8.7/10		APR: 7% to 36% Loan amount: £1,000 to £2,000,000 Term: 3 to 120 months	Review Compare See alternatives

Licensed in the United Kingdom

Metro Bank: Prudential Regulation Authority
Metro Bank: Financial Conduct Authority
NewPay: Financial Conduct Authority
iwoca: Financial Conduct Authority
Chartwell: Financial Conduct Authority
Capitalise: Financial Conduct Authority
Loan Tube: Financial Conduct Authority (FCA)
Tide Go: Financial Conduct Authority (e-money authorisation, Electronic Money Regulations 2011)
Tide Go: Financial Conduct Authority (credit and insurance broking)

Top lines of credit compared in the United Kingdom

Licensed in the United Kingdom

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Top lines of credit compared in the United Kingdom

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