Rating based on 10 reviews

Choose Wisely

  • Quick loans up to £25,000
  • Low-interest starting from 49.7%
  • Repayment up to 24 months

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Choose Wisely homepage
Author Choose Wisely. Screenshot of Choose Wisely website.
[Accessed April 15, 2020]

About Choose Wisely

Choose Wisely is an online loan comparison website that can help you find the best rates, loans, and terms on the UK lending market.

We are not a direct lender, nor are we a credit broker - we're a loan comparison website that offers unbiased loan comparison services to UK residents. We aim to help you find a loan product that meets your needs - no tricks, no agendas, no jargon, and no-nonsense - just facts.

Our comparison platform

Our comparison platform was designed with simplicity in mind - we don’t want to waste your time with sales pitches and irrelevant text - our comparison platform has one purpose - to help you compare quick loans instantly.

We have a sleek design, minimal text and a user-friendly interface that allows customers to get to business in just seconds. We've taken out all the irrelevant information to bring you’re the pure facts and useful details about loans so you can make a quick and informed decision.

Better than any broker

Brokers earn commission by promoting certain lenders and quick cash products - and more often than not are biased. We don't show you, lenders, based on what we can gain out of the transaction and that's why we're way better than any broker.

Choose Wisely Services

We offer a free, accurate, and simple way to compare quick cash loan products online.

As soon as you visit our website you'll instantly note that we're different from other same-day loan comparison sites and way ahead of any broker on the market. We've cut out all the sales talk, gathered the facts, and listed them in a way that's simple to understand and simple to compare.

The whole of market comparisons

While brokers only show you sub-prime payday loans that can earn them a commission - Choose Wisely lists lenders from all corners. We have some of the most competitive personal loan products offered by large banks like HSBC, Lloyds Bank, and Barclays to some of the most popular online lenders like 118 118 Money and Amigo Loans - we show you everything that's worth seeing.

Loan products we compare

Short-term loans or personal loans are one of our most popular searched loan types, however, we also allow customers to find and compare credit cards and business loans. You can choose to have the loans listed in the following ways:

  • Alphabetically by Lender Name
  • By APR - from the lowest available
  • By chances of approval - good for people with poor credit
  • By application time - showing those with the quickest application times
  • By the lenders' friendliness rating 

Choose Wisely – Quick loan

  • Loan Type Quick loans
  • Interest Rate from 49.7%
  • Loan Amount up to £25,000
  • Repayment 24 months

Benefits of Choose Wisely

  • Compare loan quotes
  • A transparent service with no hidden fees
  • A quick and straightforward online loan application
  • Apply for a loan with a bad credit history

Quick loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Find a competitive Loan with Choose Wisely

We aim to help inform customers and ensure they choose wisely.

Whether you're looking for a quick loan that can appear in your account in minutes or a loan with next-to-nothing rates - our loan comparison tool can help you find the perfect product in seconds.

We are the loan specialists

With so many lenders and loans available on the market - finding one that meets your needs, that you can qualify for and that offers good rates is easier said than done. This mass of lenders and payday loans has resulted in a mass of credit brokers who have one goal - to get you to apply for a loan that will provide them with the biggest commission.

Choose Wisely is not a credit broker - you can compare loan products immediately without providing us with any of your personal details and we offer a whole-of-market comparison. We also ensure that we remain completely unbiased and allow you to choose how you compare the quick loans on our website.

Using our comparison service will not affect your credit!

Unbiased, fair, and accurate

Once you've arrived at our website you can select the loan type you're interested in, this includes the following:

  • Personal Loans
  • Credit Cards
  • Business Loans

You'll then be directed to a list of lenders - the lenders on the very top are those that offer the best rates which start at incredibly low-interest rates like 3,2% APR - this is hundreds of times lower than most payday lenders you'll come across on the net.

You can then change the way that the loans are listed - from those that offer the fastest online loan application and approval times to those that offer the best service.

You can also click our "find out more" link which will open up a summary of the pros and cons of the specific loan products as well as the eligibility requirements.

Will you be approved

Once you've found a loan that looks good - you can find out your chances of being approved! All you need to do is click on the "find out your chances of approval" link and fill in your details - this is free of charge and, most importantly, will not affect your credit!

If you'd like to apply for a specific loan we've included an "apply now" button next to each loan listed which will take you directly to the lender's website and allow you to make an online application.

Need a quick loan

If you're looking for a loan that can be processed and transferred to your account immediately you should use the "time to apply" option - which will show you, lenders, with the quickest loan application processes, approval, and transfer times.

man holding thumbs up

Choose Wisely is a trusted & reliable provider of quick loans

In our review, Choose Wisely adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Choose Wisely is a registered credit provider in UK: FSA 730574

Customer Reviews & Testimonials

December 2019

Choose Wisely is my preferred credit provider because they gave me a loan according to my affordability.

Hunter S
— Belfast —

October 2019

Choose Wisely has never said no to my loan applications! Thank you so much for always standing with me through it all.

Ethan H
— York —

Choose Wisely Contact

Contact Number


  • not available


Physical Address

  • Telephone House, 18 Christchurch Rd Boscombe Bournemouth BH1 3NE United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed