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A big warning though; the Smart Search includes some secured loan products in the comparison, so always check the ones it suggests. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. A 10,000 loan on a high street credit card at a horrid 18% APR costs 5,240 paid off in five years.

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Please read the Full Terms & Conditions, Privacy Policy, Cookies Q&A, How this site is financed and MSE's Editorial Code. As loans are borrowed over the long term, the rates lenders set depend more on the City's predictions of long term interest rates rather than the actual UK base rate. All customers that meet the eligibility criteria are entitled to apply for a LTSB loan. If they were to go bust (as one did in 2011), your money wouldn't be protected.

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