Personal loans
Start your search for good value personal loans by taking a look at Fairer Finance's latest ratings.
Our ratings are designed to help customers make more informed decisions, but they should not be taken as recommendations or advice. Every customer has different needs, and our ratings are simply designed as a short cut to help consumers make sense of the complex world of financial products.
These are our customer experience ratings from our Autumn 2026 batch, published 25 September 2026.
|
Brand
|
Customer happiness score
|
Customer trust score
|
Complaints
|
Transparency
|
Overall
|
|
|---|---|---|---|---|---|---|
|
Nationwide
|
75% | 75% | 74% | 84% | 77% |
|
|
First Direct
|
73% | 78% | 70% | 76% | 74% |
|
Tesco Bank
|
67% | 64% | 84% | 69% | 71% |
|
|
Monzo
|
72% | 75% | 68% | 69% | 71% |
|
|
Marks & Spencer
|
63% | 59% | 76% | 82% | 70% |
|
Santander
|
60% | 57% | 70% | 87% | 69% |
|
|
Barclays
|
64% | 65% | 71% | 74% | 68% |
|
|
HSBC
|
61% | 62% | 70% | 76% | 68% |
|
|
Bank of Scotland
|
63% | 69% | 71% | 67% | 67% |
|
|
Lloyds Bank
|
64% | 64% | 70% | 69% | 67% |
| Halifax | 59% | 61% | 71% | 75% | 66% | |
| Zopa | 66% | 55% | 74% | 71% | 66% | |
| MBNA | 62% | 58% | 78% | 67% | 66% | |
| Novuna Personal Finance | 65% | 63% | 77% | 60% | 66% | |
| NatWest | 58% | 60% | 67% | 71% | 64% | |
| Royal Bank of Scotland | 61% | 57% | 66% | 71% | 64% | |
| TSB | 55% | 55% | 73% | 67% | 63% | |
| Admiral | 60% | 55% | 75% | 60% | 62% | |
| Creation | 54% | 50% | 57% | 70% | 58% | |
| Lendable | 58% | 51% | 69% | 53% | 58% | |
| evlo | 27% | 27% | 72% | 57% | 46% | |
| 118 118 Money | 25% | 22% | 74% | 49% | 43% |
Customer experience ratings from our Autumn 2026 batch, published 25 September 2026