Low Rate Loans at Personalised Rates.Starting at 3.4% APR*

  • Enter loan amount

  • Choose a loan term

Getting a quote won't affect your credit score
  • Monthly repayment: £147.80*
  • APR (variable): 3.4% *

Representative Example: A loan of £5,000 over 36 months will cost you £284.42 per month at Representative 43.5% APR. The total cost after 36 months is £10,239.15, which includes £5,239.15 interest at 34.9% APR variable. The rate and fee you are offered will depend on your individual circumstances. Rates can vary from 3.4% to 71.3% APR. *Only applicants with an excellent credit score and a good history of repaid borrowing are likely to receive the 3.4% APR rate.

Low Rate Loans will never charge you an upfront fee for using their services


Complete our Quick Quote form


We will find the lowest rate available to you *


Claim your rate and complete your loan

LowRateLoans is promoted by Monevo Ltd and is acting as a credit broker. We are not a lender. We work with multiple lenders and will receive a commission direct from the lender or broker we introduce you to, Monevo Ltd trading as Monevo.

Why choose LowRateLoans?

If you’ve got dreams and ambitions – a new kitchen, a better car, the perfect wedding – or just want to get your finances in order, LowRateLoans is the smart choice.

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Choose your loan period and repay over the term you want
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Money could be in your account today^
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The lender matching process is based on a ‘best outcome for customer’ approach

The switched-on loan site

  • We treat everyone as an individual and work hard to offer our lenders’ lowest rates.
  • We’re open and transparent and there are no hidden fees or charges.
  • We won’t close the door just because you’ve got a poor credit score.
  • We’ve made a break from tradition to help you get the best rate possible.

Frequently Asked Questions

Applying for a loan with Lowrate loans will not effect your credit score. All of our lenders carry out an initial quotation or soft search which doesn’t affect your credit score. If you do go on to complete a loan with a lender they will carry out a full search just before lending to you which will appear on your credit file.

There are no upfront fees or costs. Our service is free to use. We may receive commissions from lenders or brokers for introducing you to them.

Most of our lenders give an initial decision on the same day. Most lenders will give you an online decision within a few minutes, however with some it may take longer and up to 24 hours.

Yes we do. Our guarantee to you is that we will always search our panel of lenders to find you the lowest rate loan and lender that you are eligible for.

Loan pay-outs do vary although most lenders can pay out a loan within 24 hours. Some lenders will pay out within 2 hours of the initial application and others may take one working day from your application being approved.

How long it takes for you to receive your funds also depends on whether your bank supports faster payments. For more information on how faster payments work, please click here.