{
  "canary": "88628286e5ed4676",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Interest Rates",
        "key": "representative_apr",
        "label": "Representative APR",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Repayments",
        "key": "monthly_payment",
        "label": "Monthly Payment",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Loan Details",
        "key": "loan_amount",
        "label": "Loan Amount",
        "poids": 3,
        "sens": "neutre",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Loan Details",
        "key": "loan_term",
        "label": "Loan Term",
        "poids": 3,
        "sens": "neutre",
        "type": "duree",
        "unit": "mois"
      },
      {
        "group": "Loan Details",
        "key": "loan_purpose_flexibility",
        "label": "Loan Purpose Flexibility",
        "poids": 1,
        "sens": "neutre",
        "type": "texte",
        "unit": "none"
      },
      {
        "group": "Reputation",
        "key": "lender_reviews",
        "label": "Lender Reviews",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "notation",
        "unit": "etoiles"
      },
      {
        "group": "Fees",
        "key": "origination_fee",
        "label": "Origination Fee",
        "poids": 2,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Fees",
        "key": "early_repayment_fee",
        "label": "Early Repayment Fee",
        "poids": 2,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Requirements",
        "key": "eligibility_criteria",
        "label": "Eligibility Criteria",
        "poids": 2,
        "sens": "neutre",
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      },
      {
        "group": "Service",
        "key": "customer_support",
        "label": "Customer Support",
        "poids": 1,
        "sens": "neutre",
        "type": "texte",
        "unit": "none"
      }
    ],
    "faq": [
      {
        "a": "Our comparison ranks M&S Bank as the top personal loan provider in the UK for 2026, followed closely by Tesco Bank (with a Clubcard).",
        "q": "What are the best personal loans in the UK for 2026?"
      },
      {
        "a": "We evaluate personal loans based on key factors like Representative APR, Monthly Payment, Loan Amount, Loan Term, Loan Purpose Flexibility, and Lender Reviews to provide a comprehensive overview.",
        "q": "How do you compare personal loans in the UK?"
      },
      {
        "a": "No, our ranking is completely neutral and not influenced by any payments from lenders; each data point is independently sourced.",
        "q": "Is your personal loan ranking in the UK paid for?"
      },
      {
        "a": "Based on our current analysis, M&S Bank and Tesco Bank (with a Clubcard) are offering highly competitive personal loan deals in the UK.",
        "q": "Where can I find good personal loan deals in the UK right now?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2213,
    "neutral": false,
    "path": [
      "finance",
      "credit",
      "personal-loans"
    ],
    "price_key": "monthly_payment",
    "profile_questions": [
      {
        "options": [
          "£1,000 - £5,000",
          "£5,001 - £10,000",
          "£10,001 - £20,000",
          "£20,001 - £50,000"
        ],
        "q": "Loan amount needed?"
      },
      {
        "options": [
          "Debt consolidation",
          "Home improvements",
          "Car purchase",
          "Other"
        ],
        "q": "Loan purpose?"
      },
      {
        "options": [
          "Excellent",
          "Good",
          "Fair",
          "Poor"
        ],
        "q": "Credit score range?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "best bad credit loans UK",
      "best secured loans UK",
      "personal loan calculator UK",
      "loan providers UK"
    ],
    "tier": "gold",
    "title": "Best Personal Loans UK",
    "unranked": false,
    "visual": "logo"
  },
  "country": "GB",
  "freshness": {
    "age_days": 20.0,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest",
        "best_value"
      ],
      "best_for": null,
      "cons": [],
      "description": "Offers personal loans for various amounts and repayment terms.",
      "name": "M&S Bank",
      "pros": [],
      "provider": "M&S Bank",
      "provider_url": null,
      "review": null,
      "review_summary": null,
      "score": 100.0,
      "source_url": "https://www.which.co.uk/money/credit-cards-and-loans/loans/best-personal-loan-deals-aRLHF4e8sIEJ",
      "subscores": {
        "monthly_payment": 100.0,
        "representative_apr": 100.0
      },
      "values": {
        "loan_amount": 5000,
        "loan_term": 36,
        "monthly_payment": 153.68,
        "representative_apr": 6.9
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": null,
      "cons": [],
      "description": "Offers personal loans with a slightly better APR for Clubcard holders.",
      "link_url": "https://tescobank.com/",
      "logo_dom": "tesco.com",
      "logo_url": "https://unavatar.io/tesco.com?fallback=false",
      "name": "Tesco Bank (with a Clubcard)",
      "pros": [],
      "provider": "Tesco Bank",
      "provider_url": null,
      "review": null,
      "review_summary": null,
      "score": 92.0,
      "source_url": "https://www.which.co.uk/money/credit-cards-and-loans/loans/best-personal-loan-deals-aRLHF4e8sIEJ",
      "subscores": {
        "monthly_payment": 100.0,
        "representative_apr": 86.0
      },
      "values": {
        "loan_amount": 5000,
        "loan_term": 36,
        "monthly_payment": 153.89,
        "representative_apr": 7.0
      },
      "verified": true
    },
    {
      "badges": [],
      "cons": [],
      "description": "Provides personal loans with competitive rates.",
      "link_url": "https://santander.co.uk/",
      "logo_dom": "santander.com",
      "logo_url": "https://unavatar.io/santander.com?fallback=false",
      "name": "Santander Personal Loans",
      "pros": [],
      "provider": "Santander",
      "score": 52.0,
      "source_url": "https://www.which.co.uk/money/credit-cards-and-loans/loans/best-personal-loan-deals-aRLHF4e8sIEJ",
      "subscores": {
        "monthly_payment": 99.0,
        "representative_apr": 14.0
      },
      "values": {
        "customer_support": "Branch, phone, online",
        "early_repayment_fee": null,
        "eligibility_criteria": "UK resident, 18+, good credit history",
        "lender_reviews": 3.9,
        "loan_amount": 5000,
        "loan_purpose_flexibility": "Various personal needs",
        "loan_term": 36,
        "monthly_payment": 154.97,
        "origination_fee": 0,
        "representative_apr": 7.5
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": null,
      "cons": [],
      "description": "Offers personal loans with a fixed APR.",
      "link_url": "https://novunapersonalfinance.co.uk/",
      "logo_dom": "novuna.com",
      "logo_url": "https://unavatar.io/novuna.com?fallback=false",
      "name": "Novuna Personal Finance",
      "pros": [],
      "provider": "Novuna Personal Finance",
      "provider_url": null,
      "review": null,
      "review_summary": null,
      "score": 44.0,
      "source_url": "https://www.which.co.uk/money/credit-cards-and-loans/loans/best-personal-loan-deals-aRLHF4e8sIEJ",
      "subscores": {
        "monthly_payment": 99.0,
        "representative_apr": 0.0
      },
      "values": {
        "loan_amount": 5000,
        "loan_term": 36,
        "monthly_payment": 155.18,
        "representative_apr": 7.6
      },
      "verified": true
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/GB/best-personal-loans-uk.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best personal loans UK",
  "source": "CompareFairly",
  "title": "Best Personal Loans UK",
  "unranked": false,
  "url": "https://comparefairly.com/en/GB/best-personal-loans-uk"
}