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

Either really bad or really good reviews - people stating they are happy because they were accepted and got money quickly yet other people stating they were accepted in principle and rejected a few days later

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

Loan for homeowners with a really good credit history - a lot of happy customers because they got their money at a low interest rate even though it took a bit longer than expected

Only apply if you know you have good credit and have a 10% deposit for the car you want to buy - you can only buy from a recognised dealership

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

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

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

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

Loan for homeowners with a really good credit history - Tesco comes recommended although this smaller loan could have some higher interest rates, see what your primary bank can offer you first

Bring together all of your debts with this loan and reduce your monthly payments - even if you are provisionally accepted, you may get turned down a couple of days later

Santander has a very bad reputation for their customer service - unable to carry out simple tasks and customers being passed from one representative to the next

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

Royal Bank of Scotland current account customers only - if you have a good banking history with them you will get a lower rate, you will get a higher rate if not and may be better off looking elsewhere

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

Take ages to process an application, some people saying they heard from them 4 weeks after applying - interest rate is similar to some of the banks but it's probably not worth it for the poor service and the long wait

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

Very poor reputation - application is a drawn out process and has been known to take up to 3 weeks, customer service useless for informing you of your applications status

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