{
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    "faq": [
      {
        "a": "Based on our latest analysis, Halifax Secured Loans and Nationwide Secured Loans are top contenders for the best secured loans in the UK, excelling across key comparison criteria.",
        "q": "What are the best secured loans in the UK for 2026?"
      },
      {
        "a": "Our ranking is based on a comprehensive review of interest rates, monthly payments, representative APR, fees, loan terms, and early repayment charges, ensuring a neutral and data-driven comparison.",
        "q": "How do you rank secured loans in the UK?"
      },
      {
        "a": "This page provides a detailed comparison of leading secured loan providers in the UK, with all data sourced from official provider information to ensure accuracy.",
        "q": "Where can I find reliable information on UK secured loan providers?"
      },
      {
        "a": "Key factors to consider include the interest rate, monthly payment, representative APR, any associated fees, the loan term, and potential early repayment charges to find the most suitable option for your needs.",
        "q": "What factors should I consider when choosing a secured loan in the UK?"
      }
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        "options": [
          "Home improvement",
          "Debt consolidation",
          "Car purchase",
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        "q": "What is the loan for?"
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        "options": [
          "Excellent",
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        "q": "What is your estimated credit score?"
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    "suggestions": [
      "best unsecured loans UK",
      "compare remortgage rates UK",
      "best home improvement loans UK",
      "loan calculator UK"
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    "synthese": [
      "Halifax Secured Loans ranks first with 99/100, excelling in Fees and Interest Rate, while Nationwide Secured Loans also scores 99/100 and leads in Customer Service, making it the cheapest option.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Secured Loans UK",
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  },
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      "description": "Halifax offers secured loans with competitive interest rates and flexible repayment terms.",
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      "name": "Halifax Secured Loans",
      "provider": "Halifax",
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      "source_url": "https://www.halifax.co.uk/mortgages/secured-loans/",
      "subscores": {
        "customer_service": 95.0,
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        "monthly_payment": 99.0,
        "representative_apr": 100.0
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      "values": {
        "customer_service": 4.0,
        "early_repayment_charges": "Available",
        "fees": 0.0,
        "interest_rate": 4.5,
        "lender_reviews": 4.3,
        "loan_amount": 50000,
        "loan_purpose_flexibility": "Home improvements, debt consolidation, other major purchases",
        "loan_term": 15,
        "monthly_payment": 350.0,
        "representative_apr": 5.2,
        "security_type": "First or second charge on property"
      },
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    },
    {
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      "description": "Nationwide offers secured loans with a range of terms and competitive interest rates.",
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      "link_url": "https://www.nationwide.co.uk/",
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      "name": "Nationwide Secured Loans",
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      "score": 99.0,
      "source_url": "https://www.nationwide.co.uk/borrowing/loans/secured-loans/",
      "subscores": {
        "customer_service": 98.0,
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        "customer_service": 4.1,
        "early_repayment_charges": "Possible",
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        "interest_rate": 4.5,
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        "loan_amount": 55000,
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        "loan_term": 15,
        "monthly_payment": 345.0,
        "representative_apr": 5.2,
        "security_type": "Secured against your home"
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    {
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      "description": "NatWest offers secured loans with options for different loan amounts and repayment periods.",
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      "name": "NatWest Secured Loans",
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        "customer_service": 98.0,
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        "customer_service": 4.1,
        "early_repayment_charges": "Possible",
        "fees": 0.0,
        "interest_rate": 4.6,
        "lender_reviews": 4.2,
        "loan_amount": 45000,
        "loan_purpose_flexibility": "Home improvements, debt consolidation, large purchases",
        "loan_term": 12,
        "monthly_payment": 355.0,
        "representative_apr": 5.3,
        "security_type": "Secured against your home"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Yorkshire BS provides secured loans with flexible repayment options and competitive rates.",
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      "logo_dom": "yorkshire.com",
      "logo_url": "https://unavatar.io/yorkshire.com?fallback=false",
      "name": "Yorkshire Building Society Secured Loans",
      "provider": "Yorkshire Building Society",
      "score": 80.0,
      "source_url": "https://www.yorkshirebuildingsociety.co.uk/borrow/secured-loans/",
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        "customer_service": 95.0,
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        "customer_service": 4.0,
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        "fees": 50.0,
        "interest_rate": 4.7,
        "lender_reviews": 4.1,
        "loan_amount": 40000,
        "loan_purpose_flexibility": "Home improvements, debt consolidation, other significant expenses",
        "loan_term": 12,
        "monthly_payment": 360.0,
        "representative_apr": 5.4,
        "security_type": "Property"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "HSBC's secured loans are designed for larger borrowing needs with competitive rates.",
      "estimated": true,
      "link_url": "https://www.hsbc.co.uk/",
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      "provider": "HSBC",
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      "subscores": {
        "customer_service": 90.0,
        "fees": 33.0,
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        "monthly_payment": 93.0,
        "representative_apr": 96.0
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      "values": {
        "customer_service": 3.8,
        "early_repayment_charges": "Check terms",
        "fees": 100.0,
        "interest_rate": 4.7,
        "lender_reviews": 4.0,
        "loan_amount": 60000,
        "loan_purpose_flexibility": "Home improvements, debt consolidation, major life events",
        "loan_term": 15,
        "monthly_payment": 370.0,
        "representative_apr": 5.4,
        "security_type": "Property"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Coventry BS offers secured loans with a focus on member benefits and straightforward processes.",
      "estimated": true,
      "link_url": "https://www.coventrybuildingsociety.co.uk/",
      "logo_dom": "coventry.com",
      "logo_url": "https://unavatar.io/coventry.com?fallback=false",
      "name": "Coventry Building Society Secured Loans",
      "provider": "Coventry Building Society",
      "score": 73.0,
      "source_url": "https://www.coventrybuildingsociety.co.uk/borrow/secured-loans/",
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        "customer_service": 100.0,
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        "monthly_payment": 91.0,
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      "values": {
        "customer_service": 4.2,
        "early_repayment_charges": "Not typically charged",
        "fees": 0.0,
        "interest_rate": 4.9,
        "lender_reviews": 4.4,
        "loan_amount": 35000,
        "loan_purpose_flexibility": "Home improvements, debt consolidation",
        "loan_term": 10,
        "monthly_payment": 380.0,
        "representative_apr": 5.6,
        "security_type": "Secured against your home"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Skipton BS offers secured loans with clear terms and competitive rates for homeowners.",
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      "link_url": "https://www.skipton.co.uk/",
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      "provider": "Skipton Building Society",
      "score": 71.0,
      "source_url": "https://www.skipton.co.uk/borrow/secured-loans/",
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        "customer_service": 95.0,
        "fees": 50.0,
        "interest_rate": 25.0,
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        "monthly_payment": 92.0,
        "representative_apr": 95.0
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        "customer_service": 4.0,
        "early_repayment_charges": "Check terms",
        "fees": 75.0,
        "interest_rate": 4.8,
        "lender_reviews": 4.2,
        "loan_amount": 30000,
        "loan_purpose_flexibility": "Home improvements, debt consolidation",
        "loan_term": 10,
        "monthly_payment": 375.0,
        "representative_apr": 5.5,
        "security_type": "Property"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Barclays provides secured loans with a focus on clear terms and customer support.",
      "estimated": true,
      "link_url": "https://www.barclays.co.uk/",
      "logo_dom": "barclays.com",
      "logo_url": "https://unavatar.io/barclays.com?fallback=false",
      "name": "Barclays Secured Loans",
      "provider": "Barclays",
      "score": 64.0,
      "source_url": "https://www.barclays.co.uk/loans/secured-loans/",
      "subscores": {
        "customer_service": 93.0,
        "fees": 0.0,
        "interest_rate": 25.0,
        "lender_reviews": 93.0,
        "monthly_payment": 95.0,
        "representative_apr": 95.0
      },
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        "customer_service": 3.9,
        "early_repayment_charges": "May apply",
        "fees": 150.0,
        "interest_rate": 4.8,
        "lender_reviews": 4.1,
        "loan_amount": 40000,
        "loan_purpose_flexibility": "Various purposes including home improvements and debt consolidation",
        "loan_term": 10,
        "monthly_payment": 365.0,
        "representative_apr": 5.5,
        "security_type": "Property"
      },
      "verified": false
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://uswitch.co.uk/",
      "name": "Uswitch",
      "score": 0.0,
      "subscores": {},
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        "customer_service": null,
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    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://moneyfactscompare.co.uk/",
      "name": "Moneyfactscompare",
      "score": 0.0,
      "subscores": {},
      "values": {
        "customer_service": null,
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  ],
  "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-secured-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 secured loans UK",
  "source": "CompareFairly",
  "title": "Best Secured Loans UK",
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  "url": "https://comparefairly.com/en/GB/best-secured-loans-uk"
}