Cheapest Loans £3,000 – £4,999

Below are the cheapest personal loans for a loan amount between £3,000 and £4,999 (updated 24.05.2024)

Lender Representative APR Notes
M&S Bank 9.9% rep APR for £3k x 36 months Minimum Income £10k pa
Santander 9.9% rep APR for £3k loan x 36 months Minimum age 21
MBNA 11.7% rep APR for £3k x 36 months Available to new and existing customers
HSBC 13.9% rep APR for £3k x 36 months  Available to new and existing customers
Tesco Bank 14.3% rep APR for £3k x 36 months Preferential rate for Clubcard holders

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.