Northern Bank mortgage customers only - cheapest unsecured homeowner loan on the market, definitely worth applying if this loan fits your circumstance

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

They have great low interest rates because they are very strict at credit checking - check your credit history before you apply to make sure you have absolutely no adverse credit otherwise you will get declined

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

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

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 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

Sainsburys' loans are highly recommended but you can only apply if you have a really good credit history - you can't have any adverse credit on your file at all so it may be best to check it before you apply

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

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

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