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You can apply for a personal loan if: You're aged 18 to 79 and have a net monthly income of £700+; You have the right to live and work in the UK for the term of the loan (applications from the Channel Islands and the Isle of Man are not accepted). You haven't missed 3 or more credit commitments in the last 12 months 

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This cuts out the banks entirely and means you could save on average 50% compared to your bank. Total cost to borrow £1,000. £52. Revolut. £120. Average bank. Survey of 5 UK banks to find the average cost of a £1,000 personal loan for 12 months using their respective Representative APRs carried out on 16th Feb