# £10,000 loans over five years

We’ve analysed more than 60 unsecured loan products to find the cheapest deals available.

The table below shows the best deals for personal loans of £10,000 paid back over five years. If you're looking for a way to spread the cost of a big purchase, you may want to consider one of the deals below.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

TSB | 2.9% | £10,756.80 | £179.28 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 2.9% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

M&S Bank |
3.0% | £10,770 | £179.50 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.0% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

Sainsbury's Nectar loan |
3.0% | £10,770.60 | £179.51 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.0% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

Sainsbury's Non Nectar loan |
3.0% | £10,770.60 | £179.51 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.0% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

Clydesdale Bank Online Personal loan | 3.0% | £10,770.43 | £179.51 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.0% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

Yorkshire Bank Online Personal loan |
3.0% | £10,770.43 | £179.51 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.0% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

Cahoot |
3.0% | £10,780.80 | £179.68 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.0% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

Santander | 3.1% | £10,806.60 | £180.11 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.1% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

Hitachi Personal Finance |
3.2% | £10,823.40 | £180.39 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.2% APR Representative.

id="monthly-repayment">Monthly repayment (£) Monthly repayment help

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help | |
---|---|---|---|---|---|---|

Ikano Bank |
3.3% | £10,848 | £180.80 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.3% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

Tesco Bank Clubcard Loan |
3.3% | £10,848 | £180.80 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.3% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

HSBC |
3.3% | £10,848.30 | £180.80 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.3% APR Representative.

Provider | APR £5000 over 3 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

The AA |
3.4% | £10,874.29 | £181.24 | Yes | No | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.4% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

Tesco Bank Standard Loan |
3.5% | £10,900.20 | £181.67 | Yes | Yes | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.5% APR Representative.

Provider | APR £10,000 over 5 years APR help | Total repayable over term Total repayable over term help | Monthly repayment (£) Monthly repayment help | Risk-based pricing Risk-based pricing help | Early repayment penalties Early repayment penalties help | Homeowner Homeowner help |
---|---|---|---|---|---|---|

The Post Office | 3.6% | £10,926.32 | £182.11 | Yes | No | No |

**Representative example:** The table shows the monthly repayment and total cost of a £10,000 loan at a fixed rate of 3.6% APR Representative.

The annual rate of interest charged on the loan, which includes any related fees. This is a Representative rate which means you may be offered a different one depending on your credit history.

Back to APR in money tableThe total amount you'll repay over the 5-year loan term.

Back to Total repayable in money tableThe fixed amount you'll have to repay each month.

Back to Monthly repayment in money tableIf a lender uses risk-based pricing, you may be offered a loan at a higher interest rate than the one listed below, depending on your credit history.

Back to Risk-based pricing in money tableWhether you'll have to pay an extra fee if you want to repay the loan early.

Back to Early repayment penalties in money tableWhether you need to be a homeowner to get the loan.

Back to Homeowner in money tableAll the Best Rate loan providers listed by Which? are signed up to the Lending Code, which sets the minimum standards for the way banks, building societies and other providers should treat their customers.

Our Best Rate loans are widely available across the UK, and consumers do not need to own any other financial products from an institution in order to qualify for them.

Lots of loan providers use risk-based pricing to determine what interest rates their customers get. This means you might not end up with the same rate as the one you saw advertised, as the rate you get is based on your credit score.

If you want to know when you apply what personal loan rate you’ll get, go for a Best Rate loan that doesn’t use risk-based pricing.

If you think there’s a chance you might be able to repay your loan early, look for a Best Rate without any early repayment charges.

Category: Bank loan

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