Updated September 29, 2026 · BorrowCue Editorial Team

Top personal loans compared

1944 lenders, ranked on the terms we checked.

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Top personal loans compared
#	Lender	Score	Features	Key facts	Actions
1	Oney Préstamos ESTop pick 5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent	8.8/10		Loan amount: €1,000 to €45,000 Arrangement fee: 3% of financed capital (apertura) Credit check: Hard	Review Compare Visit
2	myKredit	Not rated		Support channels: Chat	Review Compare Visit
3	Prestamiau ES	8.9/10	Same day funding	APR: 0% to 36% Loan amount: €100 to €5,000 Term: 3 to 6 months	Review Compare Visit
4	Prestamiau Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)	8.7/10	Same day funding	APR: MX$0 to MX$36 Loan amount: MX$100 to MX$20,000 Term: 3 to 4 months	Review Compare Visit
5	Prestapuffin	8.8/10	Fixed rate Same day funding	APR: 0% to 36% Loan amount: €100 to €5,000 Term: 2 to 60 months	Review Compare Visit
6	Que Prestamo	8.6/10	Same day funding	APR: 7% to 35% Loan amount: €5,000 Term: 1 to 72 months	Review Compare Visit
7	Mi Prestamo	9.0/10	Fixed rate Same day funding	APR: 23% Loan amount: €200 to €3,000 Term: 2 to 12 months	Review Compare Visit
8	Credityes First loan with APR starting from 0%: APR starting from 0% on the first loan	8.9/10	Same day funding	APR: 0% to 48% Loan amount: ₱1,000 to ₱25,000 Term: 2 to 36 months	Review Compare Visit
9	Credityes ES First loan at 0% TAE (0% interest): TAE 0% on the first loan	8.8/10	Same day funding	APR: 0% to 36% Loan amount: €100 to €5,000 Term: 2 to 36 months	Review Compare Visit
10	CreditoZen Préstamo rápido al 0% de interés: 0% interest, loans up to EUR 2000	8.8/10		Loan amount: €100 to €2,000 Term: 3 months Arrangement fee: 0 EUR (no hidden fees)	Review Compare Visit
11	Dineria MX	Not rated			Review Compare Visit
12	Ibancar Prestamos	9.0/10	Fixed rate Same day funding	APR: 12.74% to 13.01% Loan amount: €600 to €8,000 Term: 12 to 60 months	Review Compare Visit
13	DKB (Deutsche Kreditbank) Zinsvorteil of 0.15 percentage points when buying an existing property: 0.15 percentage points off the interest rate	Not rated	Fixed rate Same day funding	APR: 6.99% Loan amount: €2,500 to €100,000 Term: 12 to 120 months	Review Compare Visit
14	Fidea	8.9/10	Same day funding	APR: 0% to 212% Loan amount: €500 to €60,000 Term: 3 to 60 months	Review Compare Visit
15	5in5	Not rated			Review Compare Visit
16	Vivus Cancelled fee for expedited disbursement: 0 EUR (fee for accelerated payout cancelled/waived)	9.0/10	Fixed rate Same day funding	APR: 44.5% Loan amount: €50 to €10,000 Term: 3 to 60 months	Review Compare Visit
17	Ferratum	9.1/10	Same day funding	APR: 30.31% to 57.26% Loan amount: SEK 10,000 to SEK 50,000 Arrangement fee: 565 SEK	Review Compare Visit
18	Multitude Bank p.l.c	8.9/10	Fixed rate Same day funding	APR: 24.99% Term: 9 to 199 months Arrangement fee: 0 DKK	Review Compare Visit
19	Multitude	8.8/10	Same day funding	APR: 30.31% to 57.26% Loan amount: SEK 10,000 to SEK 50,000 Term: 12 months	Review Compare Visit
20	Youmoney First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%	8.6/10	Fixed rate Same day funding	APR: 25.28% to 72.19% Loan amount: PLN 100 to PLN 10,000 Term: 24 months	Review Compare Visit
21	Cashspace	8.9/10	Same day funding	APR: ₱12 to ₱36 Loan amount: ₱500 to ₱25,000 Term: 2 to 4 months	Review Compare Visit
22	Fiesta Credito First 3000 EUR with no commission, repayable over 60 months: 3000 EUR, 0 EUR commission	8.9/10	Same day funding	APR: 0% to 317% Loan amount: €100 to €5,000 Term: 2 to 3 months	Review Compare Visit
23	Fiesta Credito MX	8.9/10	Same day funding	APR: 0% to 3.752% Loan amount: MX$1,000 to MX$150,000 Term: 1 to 36 months	Review Compare Visit
24	Fidea MX	8.8/10	Same day funding	APR: 0% to 3.752% Loan amount: MX$1,000 to MX$150,000 Term: 3 to 60 months	Review Compare Visit
25	AXI Card Tarjeta y Credito	9.0/10	Fixed rate	APR: 21.59% Loan amount: up to €1,500 Term: 1 month	Review Compare Visit
26	Credityes MX 0% interest on a first loan offered by partner lenders: 0% interest; e.g. a $10,000 loan repaid over 67 days costs $0 the first time	8.7/10	Fixed rate Same day funding	APR: 0% to 38% Loan amount: MX$1,000 to MX$200,000 Term: 3 to 36 months	Review Compare Visit
27	Me Presta MX Primer préstamo desde 0% de interés: CAT 0% en el primer préstamo	8.7/10	Same day funding	APR: 0% to 38% Loan amount: MX$1,000 to MX$50,000 Term: 2 to 36 months	Review Compare Visit
28	AskRobin MX	8.5/10		Loan amount: COP 100,000 to COP 10,000,000 Term: 1 to 36 months Arrangement fee: 0	Review Compare Visit
29	Pezetita MX First loan free for new customers: 0% interest rate (CAT 0%) on the first loan	8.9/10		APR: 0% to 36% Loan amount: MX$100 to MX$20,000 Term: 91 to 120 months	Review Compare Visit
30	Kviku	8.9/10		Loan amount: up to €2,000 Term: 2 to 12 months Funding time: instant	Review Compare Visit
31	Credy CO	Not rated		Loan types: Personal, Debt-consolidation, Car, and 3 more Use cases: Home-improvement	Review Compare Visit
32	Lendela	8.5/10	Same day funding	APR: up to 48% Loan amount: SGD 1,000 to SGD 200,000 Term: 3 to 72 months	Review Compare Visit
33	Crezu MX First loan with no cost for new users: 0% interest and fees on the first loan for new users	8.8/10	Same day funding	APR: 0% to 36% Loan amount: MX$100 to MX$20,000 Term: 3 to 4 months	Review Compare Visit
34	Creditio	8.8/10	Same day funding	APR: 3% to 36% Loan amount: €100 to €500,000 Term: 2 to 240 months	Review Compare Visit
35	Commerzbank Automatic individual rate advantage on Ratenkredit for free use concluded online or in the app: 0.01% to 0.6% p.a. lower rate	9.4/10	Fixed rate Same day funding	APR: 3.29% to 12.49% Loan amount: €1,500 to €100,000 Term: 6 to 119 months	Review Compare Visit
36	Compass Spese di istruttoria azzerate (Prestito Online): 0 EUR origination fee on online loans from 1,000 to 5,000 EUR	9.3/10	Fixed rate Same day funding	APR: 7.38% to 15.84% Loan amount: €1,000 to €30,000 Term: 24 to 96 months	Review Compare Visit
37	Consumers Credit Union 0.50% APR discount on auto loans bought through CCU's Car Buying Service	9.3/10	Fixed rate Same day funding	APR: 3.99% to 9.99% Term: 0 to 84 months Credit check: Soft prequal	Review Compare Visit
38	Kredivo Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part	9.3/10	Fixed rate Same day funding	APR: 0% to 41.51% Loan amount: IDR 1,000,000 to IDR 50,000,000 Term: 1 to 24 months	Review Compare Visit
39	Postbank Tagesgeld new deposits action: 3.2% p.a. interest for 6 months	9.3/10	Fixed rate	APR: 3.25% to 14.3% Loan amount: €3,000 to €80,000 Term: 12 to 120 months	Review Compare Visit
40	Moneyveo UA First Smart loan at 0.01% per day	9.3/10	Fixed rate Same day funding	APR: 3.65% to 357.77% Loan amount: UAH 500 to UAH 50,000 Term: 60 months	Review Compare Visit
41	TF Bank	9.3/10	Fixed rate	APR: 17.58% Loan amount: up to €15,000 Term: up to 120 months	Review Compare Visit
42	CreditBar KZ	9.2/10	Fixed rate Same day funding	APR: 0.1% to 46% Loan amount: KZT 10,000 to KZT 400,000 Term: 2 to 12 months	Review Compare Visit
43	Finbert UA Product Promo: first payment for new clients at 0.01%: 0.01% per day (3.65% p.a.) for the first 14 days, then 1.0% per day (365.0% p.a.)	9.2/10	Fixed rate Same day funding	APR: 3.65% to 365% Loan amount: UAH 3,000 to UAH 8,600 Term: 12 months	Review Compare Visit
44	Proficredit CZ	9.2/10	Fixed rate Same day funding	APR: 7.45% to 143.18% Loan amount: CZK 10,000 to CZK 250,000 Term: 12 to 48 months	Review Compare Visit
45	Upgrade	9.2/10	Fixed rate Same day funding	APR: 7.74% to 35.99% Loan amount: $1,000 to $50,000 Term: 24 to 84 months	Review Compare Visit
46	Alior Alior Konto with a bonus of up to 800 PLN: up to 800 PLN plus a payment ring for 0 PLN	9.1/10	Fixed rate Same day funding	APR: 9.15% Loan amount: PLN 500 to PLN 250,000 Term: 3 to 120 months	Review Compare Visit
47	CHECK24 Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback	9.1/10	Fixed rate Same day funding	APR: 0.68% to 19.92% Loan amount: €500 to €150,000 Term: 12 to 240 months	Review Compare Visit
48	Berliner Volksbank 200 Euro Neukundenbonus: 200 EUR	9.1/10	Fixed rate Same day funding	APR: 6.49% to 13.29% Loan amount: up to €100,000 Term: 12 to 120 months	Review Compare Visit
49	CreditPlus UA Gift to your account in Happy Hours (mobile balance top-up)	9.1/10	Fixed rate Same day funding	APR: 1,244.55% to 3,546.38% Loan amount: UAH 500 to UAH 30,000 Term: 345 to 365 months	Review Compare Visit
50	KTC credit card Shopee Promotion: Discount up to 2,500 baht	9.1/10	Fixed rate	APR: 20% to 25% Loan amount: from THB 15,000 Term: 12 to 60 months	Review Compare Visit
51	Saldo Finance	9.1/10	Fixed rate Same day funding	APR: 15.7% to 84.7% Loan amount: €500 to €5,000 Term: 12 to 60 months	Review Compare Visit
52	Santander Consumer Bank AT BestFlex NeukundenAktion (savings account promo shown on the homepage): 2,25 % p.a.	9.1/10	Fixed rate	Loan amount: €1,500 to €65,000 Term: 12 to 120 months Credit check: Hard	Review Compare Visit
53	TF Bank DE	9.1/10	Fixed rate	APR: 17.58% Loan amount: up to €15,000 Term: up to 120 months	Review Compare Visit
54	TF Bank AT	9.1/10		APR: 25.09% Loan amount: €1,000 Term: 12 months	Review Compare Visit
55	Cashtime UA	9.0/10	Same day funding	Loan amount: UAH 10,000 to UAH 1,000,000 Term: 6 to 48 months Arrangement fee: From 2,000 UAH paid on issue (database checks, contract signing, manager support, vehicle pledge registry entry)	Review Compare Visit
56	Fidinda	9.0/10	Fixed rate	APR: 80% to 85% Loan amount: €100 to €5,000 Term: 3 to 24 months	Review Compare Visit
57	FINANZCHECK.de	9.0/10	Fixed rate	APR: -0.4% to 19.9% Loan amount: €1,000 to €150,000 Term: 6 to 120 months	Review Compare Visit
58	PagBank Antecipacao do Saque-Aniversario FGTS: Taxas a partir de 1,24%	9.0/10	Fixed rate Same day funding	APR: 28.32% to 213.84% Term: 3 to 24 months Arrangement fee: None (no credit opening fee charged on the INSS consignado loan)	Review Compare Visit
59	MoneyHero September tax season thank-you festival, CNCBI $mart Plus instalment loan: HKD 3,300	9.0/10	Fixed rate	APR: 1% to 17.81% Loan amount: HK$100,000 to HK$3,000,000 Arrangement fee: HKD 0 (comparison service is free of charge; no fee charged to users)	Review Compare Visit
60	Rahalaitos	9.0/10	Same day funding	APR: 4.5% to 19.9% Loan amount: €500 to €70,000 Term: 12 to 180 months	Review Compare Visit
61	ICICI Bank Credit Cards Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer	9.0/10	Fixed rate Same day funding	APR: 9.99% to 16.5% Loan amount: ₹50,000 to ₹5,000,000 Term: 12 to 72 months	Review Compare Visit
62	RinggitPlus Personal Loan MY Apply for a personal loan on RinggitPlus for exclusive gifts (Alliance Bank CashFirst Personal Loan)	9.0/10	Fixed rate	APR: 3.35% to 18% Loan amount: MYR 5,000 to MYR 300,000 Term: 6 to 120 months	Review Compare Visit
63	Smartney 0 zł prowizji (Pożyczka w jednym palcu): 0 PLN commission for granting and servicing the loan	9.0/10	Same day funding	APR: 17.11% to 36.19% Loan amount: PLN 1,000 to PLN 150,000 Term: 4 to 120 months	Review Compare Visit
64	Starfin UA First loan promo rate: 0.01% per day on the first payment (standard 0.9% per day)	9.0/10	Fixed rate Same day funding	APR: 2,572.74% to 3,369.39% Loan amount: UAH 1,000 to UAH 20,000 Term: 120 months	Review Compare Visit
65	AU Small Finance Bank	8.9/10	Fixed rate Same day funding	APR: up to 30% Loan amount: ₹25,000 to ₹1,500,000 Term: 12 to 60 months	Review Compare Visit
66	AvaFin Poland First AvaFin loan promotional (Pożyczka Promocyjna): First loan repayable without paying or with a reduced preparation fee, commission or capital interest (fee 0 PLN when fully waived)	8.9/10	Same day funding	APR: 298.92% Loan amount: up to PLN 15,000 Term: 30 months	Review Compare Visit
67	Borrowell Credit Builder cash back rewards on select Marketplace products	8.9/10		APR: 0% Loan amount: CA$500 to CA$50,000 Term: 48 months	Review Compare Visit
68	EasyPLN Lower interest and commission for returning customers	8.9/10	Same day funding	APR: 298.32% Loan amount: PLN 100 to PLN 10,000 Term: 1 to 3 months	Review Compare Visit
69	Extraportfel	8.9/10	Same day funding	APR: 298.92% Loan amount: PLN 500 to PLN 15,000 Term: 30 months	Review Compare Visit
70	KredytOK	8.9/10	Same day funding	APR: 47.17% Loan amount: PLN 1,000 to PLN 20,000 Term: 4 to 48 months	Review Compare Visit
71	LEND.ch	8.9/10		APR: 4.3% to 9.96% Loan amount: from CHF 10,000 Term: 12 to 84 months	Review Compare Visit
72	FinBee Special conditions for consumer loans: Up to 20% discount on the contract fee and 100% discount on the creditworthiness assessment fee	8.9/10	Fixed rate	APR: 17.76% Loan amount: €300 to €25,000 Term: 12 to 60 months	Review Compare Visit
73	Loanonline.ph	8.9/10		APR: 0% to 427% Loan amount: ₱30,000 Term: 3 to 6 months	Review Compare Visit
74	Mai Mai Credit	8.9/10	Fixed rate Same day funding	APR: 977.87% to 2,255.63% Loan amount: RON 500 to RON 10,000 Term: 3 to 4 months	Review Compare Visit
75	HoraCredit 0% interest (0.0001% per day) for new customers: 0.0001% per day for the first 7 days of the first credit line tranche, and for 1-30 day short-term loans	8.9/10	Fixed rate Same day funding	APR: 35% to 3,260% Loan amount: RON 100 to RON 5,000 Term: 1 to 3.3 months	Review Compare Visit
76	Smava 500 EUR Amazon.de voucher on taking out a loan	8.9/10	Fixed rate Same day funding	APR: -0.4% to 19.9% Loan amount: €1,000 to €120,000 Term: 6 to 120 months	Review Compare Visit
77	OmaLaina.fi	8.9/10	Same day funding	APR: 4.5% to 20% Loan amount: €500 to €70,000 Term: 12 to 240 months	Review Compare Visit
78	TengeDa	8.9/10	Fixed rate Same day funding	APR: 179% Loan amount: KZT 80,000 to KZT 350,000 Term: up to 3 months	Review Compare Visit
79	Zaplo iPhone za apku! - competition for the Zaplo app: 3x iPhone 17 Pro and 50 Alza.cz vouchers worth 1 000 CZK each	8.9/10	Fixed rate Same day funding	APR: 1,141% Loan amount: CZK 1,000 to CZK 30,000 Term: 1 month	Review Compare Visit
80	Cool Credit 20% discount for the loan for Slovaks: 20% off with discount code SLOV	8.8/10	Fixed rate Same day funding	APR: 3,091% to 416,607% Loan amount: CZK 1,000 to CZK 30,000 Term: 5 to 93 months	Review Compare Visit
81	Beforepay	8.8/10	Same day funding	APR: 24% Loan amount: A$50 to A$2,000 Term: 62 months	Review Compare Visit
82	Cashtero First loan interest-free, repay within 61 days: 0% interest on the first loan for new customers	8.7/10	Same day funding	APR: 0% to 365% Loan amount: PLN 100 to PLN 100,000 Term: 2 to 3 months	Review Compare Visit
83	Paisa247	8.7/10		APR: ₹9.99 to ₹44 Loan amount: ₹1,000 to ₹2,500,000 Term: 6 to 60 months	Review Compare Visit
84	Pujckaplus First loan up to 20,000 CZK free for 10 days: First loan up to 20,000 CZK for 10 days free, or 50% discount for up to 30 days	8.7/10	Fixed rate Same day funding	APR: 5,395.58% Loan amount: CZK 1,000 to CZK 30,000 Term: 10 to 30 months	Review Compare Visit
85	Sezzle Sezzle giveaways: over $150K in prizes given away, win $2,000 in Sezzle Spend	8.7/10	Fixed rate	APR: 45% Loan amount: from $20 Term: 1.5 months	Review Compare Visit
86	SOS Credit First loan free - 100% discount: 100% discount on the first loan; Admitad lists first loan up to 10,000 CZK free	8.7/10	Fixed rate Same day funding	APR: 1,187% to 185,297.8% Loan amount: CZK 1,000 to CZK 30,000 Term: 7 to 28 months	Review Compare Visit
87	Zonky	8.7/10	Fixed rate Same day funding	APR: 4.5% to 26.94% Loan amount: CZK 5,000 to CZK 2,000,000 Term: 12 to 120 months	Review Compare Visit
88	Avinto	8.6/10	Same day funding	APR: 297.36% to 297.43% Loan amount: PLN 500 to PLN 15,000 Term: 30 months	Review Compare Visit
89	KOHO 30-day free trial on every KOHO plan: 30 days free	8.6/10	Same day funding	APR: 19.9% to 34.9% Loan amount: CA$1,000 to CA$15,000 Credit check: Soft prequal	Review Compare Visit
90	Moneyveo VN	8.5/10	Fixed rate Same day funding	APR: 18.25% Loan amount: ₫500,000 to ₫30,000,000 Term: 62 to 180 months	Review Compare Visit
91	Zaimoo 0% for the first 14 days for new clients: 0% interest, up to PHP 15,000	8.5/10	Same day funding	APR: 11.9% to 365% Loan amount: ₱10,000 to ₱50,000 Term: 2 to 60 months	Review Compare Visit
92	BadCreditLoans.com	8.4/10		APR: 19.9% Loan amount: $500 to $10,000 Term: 3 to 72 months	Review Compare Visit
93	PanKredyt	8.4/10	Same day funding	Loan amount: PLN 500 to PLN 150,000 Term: 1 to 120 months Arrangement fee: 0 PLN charged to the consumer by the site operator	Review Compare Visit
94	SuperSim Campanha Taxa Zero (zero-rate campaign): Interest waived, customer pays only principal plus IOF	8.2/10	Fixed rate Same day funding	APR: 310.99% to 819% Loan amount: R$50 to R$2,500 Term: 1 to 14 months	Review Compare Visit
95	Alior Bank	Not rated			Review Compare Visit
96	Bajaj EMI Card	Not rated		Lender type: Direct lender Legal entity: Bajaj Finance Limited Support channels: Help-centre	Review Compare Visit
97	Jeff.vn	Not rated			Review Compare Visit
98	ePojisteni.cz Uspora az 50 % u cestovniho pojisteni: up to 50% savings	Not rated	Same day funding	Loan amount: CZK 2,000 to CZK 1,200,000 Funding time: Up to 2 business days for full loan processing; money sent to bank account Lender type: Marketplace	Review Compare Visit
99	Fiizy	Not rated			Review Compare Visit
100	Finbro	Not rated		Loan types: Personal Headquarters: Philippines	Review Compare Visit
101	Fininity	Not rated			Review Compare Visit
102	Pbb Direkt	Not rated		Eligibility: Adults with permanent residence in Germany and a German current account in their own name as reference account; no accounts for minors since 21.05.2026 Legal entity: Deutsche Pfandbriefbank AG Headquarters: Germany	Review Compare Visit
103	Revolut Secured Credit Card intro offer: 0% APR for the first 6 months and unlimited 1.5% cashback: 0% intro APR for 6 months plus unlimited 1.5% cashback	Not rated		Loan types: Personal Legal entity: Revolut Payments UAB Headquarters: Lithuania	Review Compare Visit
104	Selfiecredit	Not rated			Review Compare Visit
105	Upstart	Not rated		Legal entity: Upstart Holdings, Inc. Headquarters: United States Founded: 2012	Review Compare Visit
106	PREISVERGLEICH.de PREISVERGLEICH.de is a German comparison portal for electricity, gas, internet, mobile contracts, insurance and loans. It states that users can compare over 12,000 electricity tariffs. The portal also lists current deals and a savings-rewards section.	Not rated			Review Compare Visit
107	Szybka Gotowka Polish online lender offering loans of up to 20,000 zl with terms of up to 65 days, paid to the account.	Not rated			Review Compare Visit
108	PersonalLoans US free loan connecting service that helps users find a personal loan from lenders in its network.	Not rated			Review Compare Visit
109	Laina.fi Finnish loan comparison service that sends one application to several banks and lenders for unsecured loans of 1,000 to 70,000 EUR.	Not rated			Review Compare Visit
110	Credit Kasa Ukrainian online lender offering loans and microcredits paid to a bank card.	Not rated			Review Compare Visit
111	Movinero Czech 100% online credit line of up to 40,000 CZK, with 0% interest for the first 7 days for new customers.	Not rated			Review Compare Visit
112	CashUSA US free online service that may connect users with a lender offering personal loans of up to $10,000.	Not rated			Review Compare Visit
113	50KLoans US loan connecting service for personal loans of up to $50,000, free to apply with a soft inquiry only.	Not rated			Review Compare Visit
114	Mozzeno Mozzeno is a Belgian digital credit provider offering personal loans, renovation loans and second-hand car loans entirely online.	Not rated		Lender type: Direct lender Loan types: Personal	Review Compare Visit
115	Abakos Abakos offers online personal loans in Chile, applied for in three steps, with options to extend the due date.	Not rated		Lender type: Direct lender Loan types: Personal	Review Compare Visit
116	OneCredit KZ OneCredit is a Kazakhstan microfinance organization offering online microloans to adults resident in Kazakhstan.	Not rated		Lender type: Direct lender Loan types: Personal	Review Compare Visit
117	MPOWA Finance MPOWA Finance offers online cash loans in South Africa with a 100 percent online application and no paperwork.	Not rated		Lender type: Direct lender Loan types: Personal	Review Compare Visit
118	A money A money offers cash cards in Thailand that can be applied for online, with no entry or annual fee.	Not rated		Lender type: Direct lender Loan types: Cash-advance	Review Compare Visit
119	PeraMuning PeraMuning is a free online service in the Philippines that helps users apply for personal loans.	Not rated		Lender type: Marketplace Loan types: Personal	Review Compare Visit
120	Fixura Fixura offers online loans in Finland from 1,000 to 5,000 euros with no opening fee and terms of up to five years.	Not rated		Lender type: Direct lender Loan types: Personal	Review Compare Visit
121	Bom Pra Credito Bom Pra Credito is a Brazilian online credit marketplace that connects users with partner lenders for personal, payroll and secured loans; it is a bank correspondent and not a lender.	Not rated		Lender type: Marketplace Loan types: Personal	Review Compare Visit
122	Viva Credit Viva Credit offers online loans in Romania with no income certificate or guarantor required.	Not rated		Lender type: Direct lender Loan types: Personal	Review Compare Visit
123	AviraCredit AviraCredit offers online loans to a card in Ukraine, applied for through its website.	Not rated		Lender type: Direct lender Loan types: Personal	Review Compare Visit
124	Viaconto Viaconto offers fast online loans in Romania, applied for online with a bank card.	Not rated		Lender type: Direct lender Loan types: Personal	Review Compare Visit
125	KB J Capital KB J Capital (Kashjoy) is a Thai personal lender, regulated by the Bank of Thailand, offering cash cards and personal loans.	Not rated		Lender type: Direct lender Loan types: Cash-advance	Review Compare Visit
126	Krungsri First Choice Krungsri First Choice offers credit cards, cash cards and instalment purchase financing in Thailand.	Not rated		Lender type: Direct lender Loan types: Personal	Review Compare Visit
127	Tima Tima is a Vietnamese financial marketplace connecting borrowers and lenders, with online loan applications.	Not rated		Lender type: Marketplace Loan types: Personal	Review Compare Visit
128	Finmerkado Finmerkado is a Philippine website for comparing credit cards and personal loans.	Not rated		Lender type: Marketplace Loan types: Personal	Review Compare Visit
129	BSG Credit Authorised non-bank financial institution (IFN) in Romania offering online loans of up to 20,000 lei, applied for fully online.	Not rated			Review Compare Visit
130	OK Credit Online quick loans in Romania of up to 5,000 lei, with 0% interest in the first 7 days of each loan.	Not rated			Review Compare Visit
131	TrebaCredit Online loans to a bank card in Ukraine of up to 20,000 UAH, with a reduced rate for new clients.	Not rated			Review Compare Visit
132	Credify.vn Online loans in Vietnam of up to 10,000,000 VND, with the first loan at 0% and disbursement to a bank account or in cash.	Not rated			Review Compare Visit
133	8lends 8lends is an online lending service at app.8lends.io offering personal loans.	Not rated			Review Compare Visit
134	Vippi Vippi is a Finnish lender offering flexible credit and consumer loans from 100 to 10,000 euro.	Not rated		Loan types: Personal	Review Compare Visit
135	OK Zhongxun International OK Zhongxun International is a Taiwan loan consultancy offering credit loan advice and matching with several banks, covering personal, mortgage, car, business and debt consolidation loans.	Not rated		Lender type: Broker	Review Compare Visit
136	Credit365 KZ Credit365 KZ is an online lender in Kazakhstan offering short-term personal loans.	Not rated			Review Compare Visit
137	Provident RO Provident RO offers fixed-rate instalment loans in Romanian lei, either arranged with a representative or fully online, with the ProviOnline and ProviCard products.	Not rated			Review Compare Visit
138	TF Bank EE TF Bank EE is the Estonian branch of a Nordic bank focused on small loans, offering small loans, refinancing loans and vehicle loans entirely online.	Not rated			Review Compare Visit
139	Crezu CO Crezu CO is an online loan matching service in Colombia that connects applicants with partner lenders for fast personal loans.	Not rated			Review Compare Visit
140	Crezu VN Crezu VN is an online loan matching service in Vietnam that connects applicants with partner lenders for fast personal loans.	Not rated			Review Compare Visit
141	Ferratum CZ Ferratum CZ offers an online revolving credit, Ferratum Credit, in the Czech Republic, with a fully online application.	Not rated			Review Compare Visit
142	Solcredito CO Solcredito CO offers online personal loans and quick loans in Colombia, with credit cards and phone credit also on the site.	Not rated			Review Compare Visit
143	Finteres CO Finteres CO offers quick online personal loans in Colombia with an answer in minutes and no paperwork.	Not rated			Review Compare Visit
144	Promise TH Promise TH offers online personal loans in Thailand, applied for through the website or app, with no guarantor required.	Not rated			Review Compare Visit
145	Home Credit VN Home Credit VN is the Vietnamese consumer finance company offering cash loans, credit cards, pay-later accounts and instalment plans.	Not rated			Review Compare Visit
146	Lendela SG Lendela SG is a Singapore loan matching service for personal loans, business loans and mortgages.	Not rated			Review Compare Visit
147	Cashspace VN Cashspace VN is a Vietnamese loan information service that presents quick loan offers from partners and is not itself a lender.	Not rated			Review Compare Visit
148	Juvo BR Juvo BR offers personal loans in Brazil using the borrower's mobile phone as collateral, with no income proof required.	Not rated			Review Compare Visit
149	Credy RO Credy RO is a Romanian loan comparison service that searches partner lender offers for quick online credits.	Not rated			Review Compare Visit
150	Cash2Go RO Cash2Go RO offers fast online loans in Romania in lei, available every day around the clock.	Not rated			Review Compare Visit
151	VayMeo VN VayMeo VN is a Vietnamese platform that introduces and compares loan offers from partner lenders, free for users.	Not rated			Review Compare Visit
152	Loan Hub India Indian loan service offering personal loans and instant loans with an online application.	Not rated		Loan types: Personal	Review Compare Visit
153	Altero EE Finance comparison platform in Estonia for comparing loan offers and other financial services, with consumer, refinancing and car loan products.	Not rated		Lender type: Marketplace Loan types: Personal	Review Compare Visit
154	Altero LV Finance comparison platform in Latvia that brings more than 30 financial institutions together to compare consumer, refinancing and car loan offers free of charge.	Not rated		Lender type: Marketplace Loan types: Personal	Review Compare Visit
155	Dong247 Vietnamese loan comparison service working with more than 25 partners, with free comparison of loans up to 15 million VND.	Not rated		Lender type: Marketplace Loan types: Personal	Review Compare Visit

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About Top personal loans compared

Personal loans rarely look the same across markets, and this ranking sets the differences side by side. It covers 1,819 brands serving borrowers in the Philippines, Mexico, Spain and the UK, including 720 licensed providers. The trade-off is the same everywhere: the headline rate against what the account takes from you, which is the fee taken at the start, the length of the term, the credit check you sit through and how quickly the money lands. Rates across the ranking span 0% to 82,901.36%, with the middle of the field at 12.25%. Amounts run €1.75 to €653,159.33 and repayment terms 1 to 480 months. Hard credit checks dominate, at 76.5% of the field.

How we picked

Every brand is scored on separate blocks, weighted from the data rather than from opinion. Cost carries 35% and covers the rate you are quoted, the fee taken at the start and the length of the term, since a cheap monthly figure means little if the balance runs on. The offer block carries 25% and looks at what the brand actually lends, the credit record it asks for and the features it adds, such as same-day funding and a credit line. Trust carries 40% and weighs the credit check, fixed or variable pricing, whether the brand lends the money or matches it, and the support channels offered. Figures come from published product pages, terms and conditions and repayment examples for each brand, set against a category view of 1,819 brands and 75 partners. Partners are listed first, in score order, because their published details are checked most often. Each member below explains why it earned a place and compares itself with the brand ranked straight after it.

How we rank

What to look for

The rate you are really quoted: The middle rate in this ranking is 12.25%, and the field runs from 0% to 82,901.36%. Read the representative repayment example rather than the headline, because a headline usually sits at the friendly end of a range.
How long you keep the money: The middle term here is 48 months, with the field running from 1 to 480 months. A shorter term means a heavier monthly payment on the same amount, and costs more overall once interest is added.
The credit check you sit through: Hard credit checks apply to 76.5% of the brands in this ranking, while 19.1% run a soft prequalification. Prequalification is worth seeking out, because a full check can leave a mark even if you do not take the loan.
Fixed or variable pricing: Fixed pricing covers 80.6% of the brands in this ranking and variable pricing 19.4%. A fixed rate holds the payment steady, while a variable rate is set again at renewal, so budget for movement.
Speed of payout: Same-day funding appears on 81.9% of the brands here. Fast money settles an emergency and helps nobody plan, so it should not outweigh the cost of the loan.
Getting in touch and repaying early: Early repayment is free at 79.5% of the brands in this ranking, and support by phone sits with 85.3%. Repaying early only saves money where the charge is absent, and a phone line is worth more after a payment goes wrong than before it does.

Frequently asked questions

Which personal loans in this ranking cost the least?+

Cost comes down to the rate, the opening fee and how long the money is held. Cashspace ES quotes a representative rate of 0% on personal loans, and Prestamiau and Andacredito both list ranges of MXN 0 to MXN 36 and 0% to 36% with an origination fee of 0 EUR. Mexican members such as Creditify MX take a similar fee but charge a higher rate, so the gap is the rate and not the fee. Always compare the same amount over the same term.

Can I get a personal loan with bad credit?+

Bad credit is normal in this category rather than an exception: 44.9% of the brands in this ranking work with a poor credit record, and most of the members below ask for one. Monzo Flex is the exception, asking for a credit record of fair plus a Monzo Current Account. The cost of a weaker record shows up in the rate, so compare the ranges rather than the starting point.

Which of these personal loans pay out fastest?+

Speed varies by market. Cashspace ES says most approved applicants are paid the same day they apply, Prestamiau says the whole process takes minutes, and Andacredito quotes 10 minutes from application to money. Monzo Flex pays into the Monzo account Minutes after approval, into the Monzo account. The slower members here include Solcredito MX, listed at Within 24 hours, and Creditilia ES, which answers in under a day.

What is a debt consolidation loan?+

Debt consolidation means replacing several balances with a single loan and a single monthly payment. Brands listing it among their loan types here include Monzo Flex, Prestamiau, Solcredito MX, Andacredito, Creditilia and Creditilia ES. The trade-off is the term: Creditilia ES offers terms of 3 to 96, which lowers the monthly figure but can raise the total repaid, so read the repayment example before committing.

Do these lenders cover car and business borrowing?+

Car lending appears at Monzo Flex, Solcredito MX, Andacredito, Creditilia and Creditilia ES, and business lending at Andacredito, Creditilia and Creditilia ES. Home improvement is the most common listed use case in this ranking, named by Monzo Flex, Andacredito, Cashspace MX, Creditify MX, Creditilia and Creditilia ES. Amounts and terms follow the market rather than the purpose, so the eligibility wording matters more than the use case.

How much can I borrow on a personal loan?+

Amounts differ sharply by market. Monzo Flex offers £10,000 to £35,000 to UK residents with a Monzo Current Account, Solcredito MX offers amounts of up to MXN 100,000, Creditify MX offers MXN 500 to MXN 30,000, and the Spanish brands sit at €100 to €5,000 and €500 to €50,000. Across this ranking, amounts run €1.75 to €653,159.33, with the middle at €556.48.

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