# What is representative APR on a personal loan?

> Quick answer · Last updated 5 July 2026

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## In short

The APR offered to at least 51% of accepted applicants. Your personal APR depends on credit score, income and loan amount.

A headline 6.9% representative rate may price at 15%+ for average credit files.

Soft-search tools show likely tier without a hard footprint.

Compare total repayment amount, not APR alone, when fees differ.

See compare personal loans guide.

## Related

- [Compare personal loans](https://moneyguide.org.uk/credit/compare-personal-loans-guide/)
- [Personal loan eligibility](https://moneyguide.org.uk/credit/personal-loan-eligibility-explained/)

## Primary source

fca.org.uk/consumers/loans

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Money Guide is not a financial adviser and does not currently earn commission on credit cards. This guide is educational information only — always check the issuer's own terms, eligibility checkers and fees before applying. 18+, subject to status. Credit is a commitment: only borrow what you can repay in full each month, because interest charges erase every reward on this page.