Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk

Short-Term Loans

Borrow up to £995

Online decision
Responsible lenders
3-12 month repayment
Rates from 278% to 1576%
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Personal Loans

Borrow up to £25K

Instant decision
2-Min Application
3-36 month repayment
Rates from 4.7% to 278%
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Representative Example

Representative example of the total cost of the loan, including all applicable fees – Typical loan size of £25,000 over 120 months = £275.82 pm, 4.35% Variable APR – 6% (including £1800 in interest) total repayable £33,098

Maximum Annual Percentage Rate (APR) – approx. 24% (lender starting rate 18%) – Typical Apr will be around 8%

*We are not a lender, we provide a free credit brokering service. We will never charge you a fee for using our application.

Simple Application Process

Safe & Secure

Absolutely No Fees

Fully Legitimate and FCA Registered

Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Loans subject to status. Over 18s only. Minimum loan amount may apply.

Rates from 4.5% APRC to 65.2% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years. TYPICAL 10.9% APRC variable

It is our ultimate goal to make your lending experience as easy as possible.

If you have any queries feel free to contact our dedicated team of experts today.

Competitive Examples From Other Companies

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14 days - 12 months
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Loan Asap – Why UK Residents Rely On it

Being employed doesn’t necessarily mean that you won’t run out of cash. There will be times when you will need loans asap to address a sudden expense or to tide you over the next month. Fortunately, creating a new line of credit isn’t difficult nowadays, and there’s no need to wait for a long time.

If you have an urgent monetary dilemma, one of the loans you can rely on is the payday loan. These alternatives are available in banks and other traditional lending facilities, but if you want to get loans asap, you can have it over the Internet. But like other loans, it’s best to find out what the loan exactly is about before you sign up.

Getting To Know Loan Asap

Known as an unsecured loan, it offers a small amount of cash to employed individuals or anyone who has the capability to settle the loan. It usually carries a high-interest rate, which is usually settled on the next payday, or after a month. One of the prerequisites is a stable income, thus employed individuals are more likely to get approved.

Starting the application is simple and often, very convenient. All you need is a laptop, a stable Internet connection, and an accomplished application form found on the lender’s website. The company’s decision is normally released in as fast as one hour and once approved, the money is sent to your bank account. Therefore, if you need loan asap, this option will suit your needs.

why get loan asap

Banks are likely to release the money in a week, if not a month; with online paydays loan asap, you can have it on the same day you’ve applied. Surprisingly, it doesn’t involve a lot of paperwork, not even a credit remark. Therefore, those who have a bad credit rating are invited to acquire this type of loan whenever they need it. Below are some of the requirements you need to comply:

  • Age

You must be over 18 years old before you apply

  • Proof Of Income

You must provide a proof of income such as payslip, certificate of employment, etc.

  • Residency

You must be a UK citizen or resident

  • Bank Account

You must provide your own working bank account including other necessary financial details

Every lender has their own criteria but these are the basic requirements they look for. If you possess all these, getting loan asap won’t be hard. In case you’re unemployed but you’re receiving benefits (or other source of funds such as alimonies or a pension), you can look for a specific loan provider who will handle your case. Unlike banks and main street lenders, the approval rate for this kind of loan is higher. Most loan providers are flexible and considerate; however, getting rejected is still possible. Below are some of the reasons why your loan application might end up declined.

  • You don’t have a stable source of income because you are jobless and you cannot provide an alternative source of funds.
  • You’re working on a freelance or part-time basis, thus your earnings are unstable.
  • You are self-employed but you cannot hand out bank statements that can verify your income.
  • Your annual gross income did not meet the lender’s minimum requirement.
  • You cannot don’t have a bank account.
  • You have outstanding debts or loans from other loan companies.

Do You Need A Good Credit Remark To Get Loan Asap?

For many loan options, the credit report is an important factor, unless with payday loans. These companies have other ways to determine your creditworthiness. They rely on other factors, like your income and the bank account. They use this and other criteria to come up with a decision. You may even increase your chance of getting approved by providing a security to increase your loan’s approval, such as collateral or a guarantor.

Most payday loans won’t ask for an asset but in case you have other loan alternatives in mind, you can use a security against the loan. The lender has something to hold on with so they are more comfortable in providing loan asap; however, you should avoid defaulting on the loan; failing to repay the loan results to repossession of your collateral. The lender will put your asset in the market, and use the money to settle the entire loan amount, including the additional charges.

If this is not a good option, you use a guarantor to cosign a loan contract. It can be anyone who’s not financially-linked with you, such as a relative, friend, or colleague. The cosigner verifies your credentials while guaranteeing to take over the loan in the event of default.

Improving The Credit Remark For Loan Asap

Payday loans do not require a credit check, which is good at some point especially when you’re credit remark is poor or you don’t have a credit history at all. However, this also means dealing with exorbitant rates, smaller loan amount, and a shorter repayment period. Therefore, if you want to score better loan asap, you need to improve your credit remark. Below is a helpful guide on how to increase your credit rating:

  • Check Your Credit Report

Having a bad credit is not only about making financial mistakes, such as arrears, late payments, CCJs, or bankruptcy; sometimes, it happens because of inaccuracy. Thus, it’s necessary to grab a free copy of your credit report so you can check any wrong data entered into your account. In case you find discrepancies, report it to the credit bureau immediately.

  • Repay All Outstanding Debts

It’s difficult to settle a debt especially when you don’t only have one; however, this is one way to fix your credit history. You can look for a debt consolidation program which will help settle all your debts or you may talk your current loan providers. Negotiate with them properly. Who knows? They might extend the loan’s due date for free, waive fees, or at least lower the interest rate.

  • Create Payment Reminders

Avoid missed payments by reminding yourself about the loan’s due date. You may also download new apps that will notify you about the loan, or go traditional using a calendar. You may also ask your bank to notify you via email or text.

why get loan asap


3 most recent personal loan reviews

Review of Credit My Funds

Simply amazing! Quick, professional and understanding. Great agents over the phone. Thanks for helping me again!

Review posted by Shah Azad, Brighton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Money Supermarket

The best and more serious loan company, Moneysupermarket without a doubt! Fantastic customer services and great communication , lots of good advice in how to manage your loan and very reasonable rates in accordance to your possibilities. Perfect for that extra pending project without making a big dent to your monthly income. Highly recommended!

Review posted by Maria Bidell, Manchester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Giff Gaff Money

This has proven to be an excellent service. Quick, efficient and trusting.I would definitely recommend Giffgaff loans to friends and family in the future.

Review posted by Donna Blanford, Glasgow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

All Reviews have been acquired from https://uk.trustpilot.com/ to guarantee authenticity.