£5,000 loans over three years

The table below shows the best deals available for a £5,000 loan paid back over three 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 The annual rate of interest charged on the loan, including any related fees. This is a Representative rate which means you may be offered a different one depending on your credit history.	Monthly Repayment The fixed amount you'll have to repay each month.	Total Repayable Over Term The total amount you'll repay over the loan term.	Risk-based pricing If 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.	Early Repayment Penalties Whether you'll have to pay an extra fee if you want to repay the loan early.
Sainsbury's Bank (For Nectar cardholders)	3.2%	£145.75	£5,247	Yes	Yes
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 3.2% APR Representative.
Zopa	3.4%	£146.17	£5,262.12	Yes	No
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 3.4% APR Representative.
Admiral	3.4%	£146.17	£5,262.12	Yes	Yes
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 3.4% APR Representative.
Hitachi Personal Finance	3.5%	£146.39	£5,270.04	Yes	No
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 3.5% APR Representative.
John Lewis Finance	3.6%	£146.54	£5,275.35	Yes	No
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 3.6% APR Representative.
M&S Bank	3.6%	£146.60	£5,277.60	Yes	Yes
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 3.6% APR Representative.
Tesco Bank	3.7%	£146.81	£5,285.16	Yes	Yes
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 3.7% APR Representative.
Clydesdale Bank	3.9%	£147.25	£5,301	Yes	Yes
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 3.9% APR Representative.
The AA	4.2%	£147.89	£5,324.04	Yes	No
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 4.2% APR Representative.
Sainsburys Bank (For Nectar Cardholders)	4.4%	£148.32	£5,339.52	Yes	Yes
Representative example: The table shows the monthly repayment and total cost of a £5,000 loan at a fixed rate of 4.4% APR Representative.

All 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 what personal loan rate you’ll get when you apply, 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.

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