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Lowest personal loan rate: 5.90% APR

14 offers from 1 institutions · Representative personal loan APRs, lowest first.

Lowest APR

5.90%
first direct
Personal Loan · £10,000 - £15,000 · minimum APR · fixed

recorded 2026-11-01 · source ↗

14 offers1 institutionsmedian 11.70%

Spread of recorded rates

5.8%7.5%9.3%11.0%12.8%14.5%16.3%18.0%
01
first direct
Personal Loan
Personal loans · £10,000 - £15,000 · minimum APR · fixed · View at bank ↗
5.90 % APRrecorded 2026-11-01
02
first direct
Personal Loan
Personal loans · £15,001 - £30,000 · minimum APR · fixed · View at bank ↗
5.90 % APRrecorded 2026-11-01
03
first direct
Personal Loan
Personal loans · £7,000 - £9,999 · minimum APR · fixed · View at bank ↗
6.10 % APRrecorded 2026-11-01
04
first direct
Personal Loan
Personal loans · £30,001 - £50,000 · minimum APR · fixed · View at bank ↗
6.90 % APRrecorded 2026-11-01
05
first direct
Personal Loan
Personal loans · £30,001 - £50,000 · maximum APR · fixed · View at bank ↗
6.90 % APRrecorded 2026-11-01
06
first direct
Personal Loan
Personal loans · £5,000 - £6,999 · minimum APR · fixed · View at bank ↗
7.40 % APRrecorded 2026-11-01
07
first direct
Personal Loan
Personal loans · £2,500 - £4,999 · minimum APR · fixed · View at bank ↗
9.90 % APRrecorded 2026-11-01
08
first direct
Personal Loan
Personal loans · £1,000 - £2,499 · minimum APR · fixed · View at bank ↗
13.50 % APRrecorded 2026-11-01
09
first direct
Personal Loan
Personal loans · £5,000 - £6,999 · maximum APR · fixed · View at bank ↗
13.90 % APRrecorded 2026-11-01
10
first direct
Personal Loan
Personal loans · £7,000 - £9,999 · maximum APR · fixed · View at bank ↗
13.90 % APRrecorded 2026-11-01
11
first direct
Personal Loan
Personal loans · £10,000 - £15,000 · maximum APR · fixed · View at bank ↗
13.90 % APRrecorded 2026-11-01
12
first direct
Personal Loan
Personal loans · £15,001 - £30,000 · maximum APR · fixed · View at bank ↗
13.90 % APRrecorded 2026-11-01
13
first direct
Personal Loan
Personal loans · £1,000 - £2,499 · maximum APR · fixed · View at bank ↗
18.90 % APRrecorded 2026-11-01
14
first direct
Personal Loan
Personal loans · £2,500 - £4,999 · maximum APR · fixed · View at bank ↗
18.90 % APRrecorded 2026-11-01
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Questions

What is the lowest personal loan rate in the UK right now?

first direct Personal Loan (£10,000 - £15,000 · minimum APR) at 5.90% APR, recorded 1 Nov 2026. RateSonar compared 14 offers from 1 institutions on the same basis.

Are these rates current?

Each row shows the date RateSonar last recorded it from the bank's page. Pages are captured twice a day; a row that could not be refreshed keeps its last recorded date and drops out of the ranking after three days.

Is this the rate I will get?

No. These are the rates lenders advertise. Your rate depends on your circumstances, and lenders may price individually. Use the bank's own quote.