Cheapest Loans £3,000 – £4,999

Below are the cheapest personal loans for a loan amount between £3,000 and £4,999 (updated 21.05.2019)

Lender Representative APR Notes
Zopa 6.5% rep APR for £3k loan Need good credit score and be aged over 20. Application fee £90 payable
Lending Works 7.5% rep APR for £3k x 36 months Includes £105 application fee.
Post Office Money 8.9% rep APR for £3k loan Same rate for new and existing customers
Ikano Bank 9.4% rep APR for £3k x 36 months Funds available within 48 hours
Hitachi Personal Finance 9.5% rep APR (Up to 5 year term) Instant decision. No charges for over payments

The data published on the website is intended to supply you with information only and is not intended to provide you with financial advice as to the most suitable product for your own personal circumstances and requirements. Whilst we try to update rates regularly we cannot guarantee their accuracy. Please always do your own research when considering your personal finances.

Warning: Late repayment can cause you serious money problems. For help, go to

missing payments on a loan will have severe consequences and may make obtaining credit more difficult in the future.

secured loans: your home may be repossessed if you do not keep up repayments on a mortgage, loan or any other debt secured on it.