Must have an M&S credit card or M&S charge card - M&S is highly recommended as a fast service, simple application process and affordable repayments, the interest rate is one of the lowest

Yorkshire bank account holders only - they are not the worst bank neither the best bank for loans, their interest rates aren't competitive and the customer service certainly isn't the best

This loan is strictly for HSBC Premier current account customers - offers one of the lowest personal loan rates on the market at the moment

HSBC current account customers only - across the board HSBC have good reviews, money paid out quickly, helpful customer service, affordable repayments and low interest rates

You can only apply if you have a good credit history - the less you lend, the higher the interest rate could be, only borrow what you need though - it may be cheaper to apply through your bank

Clydesdale Bank current account customers only - can lend larger amounts for longer lengths of time at a reasonable interest rate if you can deal with the poor customer service

This bank is known as one of the best and most efficient in the UK and comes highly recommended

NatWest current account customers only - their smaller loans tend to have a higher interest rate, if you have good banking history with them you will get a preferential rate

Loans are now provided by Santander who have a terrible reputation for customer service - you will only get really low interest rates if your credit history is perfect

Loans are now provided by Santander who have not got the best reputation for providing financial services - avoid applying with them if you have a good credit history, approach another bank

Very speedy service - interest rate depends on your banking history and your current financial ability to repay the loan, if you are offered a high interest rate, approach your primary bank

Smile has a very good reputation for their banking, online service and customer service but not for their loans - they are inflexible and the process can take a while

Highly recommended fast and easy loan service - money is actually provided by The Co-Operative Bank

Only for residents of Jersey - 8% is a flat rate, their actual interest rate will be higher than that so get a quote before you commit to the loan

Only for residents of Guernsey - 8% is a flat rate, their actual interest rate will be higher than that so get a quote before you commit to the loan

The oldest peer to peer lender - very trusted but have quite a few extra fees including a large arrangement fee

New lender with a focus on funding for small businesses - loans with low interest rates but higher arrangement fees

Relatively new company, similar to a credit card so your balance rolls over and you pay a low interest charge at the end of the month - they are already highly recommended for peer to peer lending for their straightforward and easy service

You must have a really good credit history to apply for this loan - money is actually provided by The Co-Operative Bank

Get a quote with them first as you could be offered a high interest rate, then get a quote from your bank and compare the two loans - Co-Op doesn't have the best reputation for helpful staff so may be better going with your bank