Generally speaking, you'll tend to get better interest rates on larger amounts (up to a point). For example, if you're borrowing between £1,000 and £3,000, you're going to be hard pushed to get an interest rate below 7% APR. However, if you borrow more, say £10,000 - £15,000, you can expect an APR of closer to 3%. If you need to borrow much larger amounts, however (e.g. £25,000+), you should be prepared to pay a bit more (closer to 6%). The sweet spot for personal loans as far as interest is concerned is £7,500-£15,000.