Below are the cheapest personal loans for a loan amount between £3,000 and £4,999 (updated 21.03.2025)
| Lender | Representative APR | Notes |
|---|---|---|
| Tesco Bank | 9.8% rep APR for £3k x 36 months | Clubcard customers rate |
| 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 |
| Novuna Personal Finance | 9.9% rep APR for £3k loan x 36 months | Available to new and existing customers |
| John Lewis Finance | 9.9% rep APR for £3k x 36 months | Minimum age 21 & salary min £12k pa |
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 moneyadviceservice.org.uk
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.