Best Players to Loan FM23

When there’s not much left in the transfer kitty, loan players can become extremely valuable to your team. Especially in your first FM23 season when transfer budgets are typically lower. That’s why this list gives you the 10 best players to loan in FM23!

This does not include the 10 best players to loan due to their current ability, it includes the best value for money loan signings. No matter what save you’re doing in FM23, there is a player on this list that you will likely be able to sign on loan. We will also tell you which teams would suit each loan player.

It is also important to note that these are the wages/fees we were given at the very start of the FM23 save (4th July 2022). If a player is loan listed and hasn’t found a club towards the end of August, you may be able to pick them up without a loan fee.

Let’s get into the best loan signings FM23 has to offer!

Want to know the best strikers in FM23, read this post.

10. Stan Mills – Best Non League Loan Signing in FM23

There’s a lot of decent youngsters available to loan for Non League teams looking to get promoted into the Football League. However, Stan Mills is regarded as a leading Vanarama National League player, and can be signed on loan without paying any loan fees or wages. With such small budgets for most teams in the National League apart from Wrexham, this would be a fantastic deal, allowing you to spend money elsewhere.

Mill’s best attributes are 13 technique, 14 work rate, and 16 determination. He can competently play in 4 different positions, which is vital for lower league football. Mills is wanted by teams in League Two and even League One, which shows what an amazing loan signing he would be for a National League side.

Although there are clearly better players that are loan listed in Football Manager, you can see why Mills is one of the best players to loan in FM23.

Would be an ideal signing for

• Vanarama National League
• League Two (lower end)

9. Fin Stevens

Next on the list of the best players to loan in FM23 is Fin Stevens. The right back is a very well rounded player that’s ready to play regular first team football. He’s already been capped by Wales’ under 21s, and definitely has the potential to play in the first team.

Stevens can also play left back at a decent level, so he would be ideal cover in a small squad. You will need to pay 80% of his wages though, which is £14k per week.

Would be an ideal signing for

• Sky Bet Championship teams

8. Alex Mighten

Mighten is a brilliant winger for lower league football, which is why he’s one of the best players to loan in FM23. He’s quick, got great dribbling, and flair. He also has the ‘tries tricks’ trait, so with all of these attributes put together, he can easily get past opposition defenders.

Although Alex Mighten is still raw, he would be a great addition to a League One side, and you wouldn’t need to pay a loan fee or cover his wages.

For more League One signings, check out this article.

Would be an ideal signing for

• Sky Bet League One
• Sky Bet Championship (lower table teams as a squad option)

7. Samuel Edozie

If you’re looking for a better winger to loan in FM23 then Edozie is your man. He’s rapid, and has better dribbling and stamina compared to Alex Mighten.

The winger can be signed on loan by just paying 80% of his wages, which is only £4k per week. He’s spent plenty of his younger years in Manchester City’s well renowned academy, which shows he has top talent.

Would be an ideal signing for

• Sky Bet Championship teams

6. Zidane Iqbal

Next on the list of the best loan signings FM23 has to offer is Manchester United academy graduate Zidane Iqbal. In real life he’s just sealed a transfer to FC Utrecht after spending 15 years at Manchester United.

The midfielder is a very solid versatile player that has a lot to offer in lower league football. He has 14 technique, passing, and first touch.

What makes Iqbal one of the best FM23 loan signings is he’s willing to join Sky Bet League One sides, but is good enough to play in the Championship. This means you can bring in Iqbal on loan in League One, and significantly improve the strength of your midfield.

You only need to pay 20% of Zidane Iqbal’s loan fees, which is just £400 per week.

Would be an ideal signing for

• Any League One team
• Sky Bet Championship teams (mid-lower table)

5. Carlos Borges

In the top 5 on the list of the best players to loan in FM23 is Carlos Borges. Again, there are of course much better players you can get on loan in Football Manager 2023, but Borges would be a brilliant loan signing for teams in Sky Bet League Two.

Borges would be so good for lower leagues because he’s rapid, and has fantastic technical attributes for this level, such as 14 dribbling, 13 first touch, and 14 technique.

He is very very raw, but you only need to cover £600 a week of his wages, Borges is an extremely low risk loan signing.

Would be an ideal signing for

• Sky Bet League Two
• Scottish Premier League

4. Julio Enciso

Julio Enciso has burst onto the scene for Brighton this season. This has seen him get an increase in current ability and potential ability in the FM23 winter update.

Enciso’s best attributes are 16 dribbling, 15 agility, and 16 acceleration. He performs at his best cutting in off the left wing, but can also play on the right wing.

By paying £12k per week of his wages, you can bring Julio Enciso to your team in FM23.

Let’s get into the 3 best loan signings FM23 has to offer. There’s definitely a jump in ability.

Would be an ideal signing for

• Sky Bet Championship
• Ligue 1 (lower end)
• Bundesliga (lower end)

3. Yacine Adli

Adli came through the PSG academy before signing for Bordeaux. After impressing there, he was signed by Italian giants AC Milan. The attacking midfielder has a lot of quality at 21 years of age, with 15 passing, 16 first touch, and 15 determination.

To get Adli on loan, you will need to pay a loan fee of £110k per month and also cover 80% of his £17k salary. However, AC Milan also want an optional future fee included in the loan deal, which is £7.25 million.

This is what makes Adli one of the best loan signings FM23 has to offer because you can try him out for a year, and if he impresses, you can sign him for a really cheap fee.

Would be an ideal signing for

• English Premier League (lower end)
• Ligue 1
• Bundesliga
• Serie A
• La Liga

2. Fer Nino

The only striker on our list is a brilliant option. Fer Nino has 16 finishing, 14 composure, and 16 aggression, at just 21 years old. After spending last season on loan at Mallorca in La Liga, he’s ready for another loan move.

Nino has fantastic heading, strength, and jumping reach, which combined with his height makes him great in the air. He would suit a team looking to cross lots of high balls into the box, or a team looking for a striker to hold the ball up.

Similar to Yacine Adli, loaning Nino would cost a loan fee of £115k per month, and you would need to cover all of his wages. This makes Nino one of the best cheap strikers in FM23. Villareal also want to include an optional future fee of £14.5 million.

Would be an ideal signing for

• English Premier League (lower end)
• Ligue 1
• Bundesliga
• Serie A
• La Liga

1. Malick Thiaw – Best Player to Loan FM23

This wonderkid centre back is the best loan signing in FM23. Marc Thiaw was signed by AC Milan for just over £5 million, and has now in real life made appearances for Germany. This shows how good he is!

Thiaw is extremely well rounded physically and mentally for a 20 year old, with 16 jumping reach, 15 natural fitness, and 16 determination. He has a loan fee of £115k, and you’ll need to pay 80% of his wages. There is also an optional future fee of £16.25 million in the loan deal, which is a bargain considering Thiaw’s potential ability.

Would be an ideal signing for

• English Premier League (lower end)
• Ligue 1
• Bundesliga
• Serie A
• La Liga

Final Thoughts

No matter what team you’re managing, loan players can be great stop gaps to help get you through the season. If there’s anyone on this list of the best players to loan in FM23 please comment and let us know!

If you want to know the best free agents in FM23, read this post.