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

LowRatesLoan is promoted by Monevo Ltd and acting as a credit broker, 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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We check that you can afford the loan and meet lender's eligibility criteria

The switched-on loan site

  • We treat everyone as an individual and work hard to offer our 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 effect 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.

Yes you will. All our lenders give an initial decision on the same day. Most lenders will give you an online decision within a few minutes.

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 payouts do vary although most lenders can pay out a loan within 24 hours. Some lenders will payout within 2 hours of the initial application.