Updated October 12, 2026 · BorrowCue Editorial Team
Top personal loans compared
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 21 |  5in5 | Not rated | ReviewCompareVisit | ||
| 22 | Wannacash First loan at 0% interest, free of commissions | 8.8/10 |
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| 23 |  Wannacash ES First quick loan free of interest and fees: 0% interest and no fees on the first loan | 8.3/10 |
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| 24 |  Vivus Cancelled fee for expedited disbursement: 0 EUR (fee for accelerated payout cancelled/waived) | 9.0/10 |
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| 25 |  Vivus ES Primer prestamo de hasta 300 EUR sin intereses ni comisiones: 300 EUR, TAE 0% | 9.0/10 |
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| ReviewCompareVisit |
| 26 |  Wandoo Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days) | 8.7/10 |
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| 27 |  Finteres Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days | 8.8/10 |
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| 28 |  Ferratum | 9.1/10 |
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| 29 |  Multitude Bank p.l.c | 8.9/10 |
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| 30 |  Multitude | 8.8/10 |
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| ReviewCompareVisit |
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 rankWhat 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.
Top personal loans compared by country
Lenders compared head to head
The data behind this ranking
| 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 |
