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%
Apply Online Now

Personal Loans

Borrow up to £25K

Instant decision
2-Min Application
3-36 month repayment
Rates from 4.7% to 278%
Apply Online Now

Fast Approval

Get the money straight into your account in just 15 minutes.

100% Online

It is all online, making everything so very simple to do. Anyone can manage it.

Secure Lending

Our sites are fully protected and couldn’t be safer for you to use.

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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Vamoola Online Loans

Online banking has gained popularity a long time ago but online loans, on the other hand, have slow progress. Nevertheless, there are lots of lenders online offering financial assistance to borrowers who are in need. These loan providers are changing the lending game in many ways; the application, for instance, is not as complicated and lengthy as the ones offered by banks and traditional lending institutions.

Benefits Of Borrowing Online Loans

Although their ads are over the Internet, most people are hesitant about the loan. If you’re one of those who is intimidated by online loans, below are its advantages that can help you decide:

  • Quick Approval

Unlike banks, online loans lenders release their decision in as fast as one hour. This means that you don’t have to wait for days to find out whether you’ve been approved or not. Once granted, you’ll know how much you can borrow, and what your repayments will look like. Traditionally, things work differently: you will fill out an application form, submit paperwork, and wait for a while to get an answer.

  • Better Rates

Shopping around first is always a better idea and there’s no need to look further. Online loans offer a lower interest rate that you simply can’t find elsewhere. Most of them don’t even apply fees and if they do, it’s smaller than the ones given by brick-and-mortar companies. Banks and credit unions have physical branches so they have to settle regulatory costs. Online loans, on the other hand, will ask you to pay less since they have lesser expenses to settle.

  • Easier Approval

Even with a promising career and large income, getting a loan is difficult, unless you possess a good credit remark. However, this is not the same case when you’re just starting your credit or you have a bad credit remark. With banks, your chance of getting approved is slim; meanwhile, online loans will rely on other alternatives source of information rather than considering your credit score alone. This means that you can still get an extra fund regardless of your credit history.

  • Unsecured Loans

Often, online loans are unsecured – meaning, there’s no need to pledge collateral just to get approved. This keeps your assets safer and protected since the lender has no right to repossess it in case of default.

why choose online loans

But before you look for an online lender, it’s crucial to consider its disadvantages as well:

  • Expensive Interest

Like other bad credit loans, online loans apply exorbitant rates to compensate the risks. Although there are no commercial space fees to settle, the convenience and accessibility it offers come at an extra cost. Usually, it’s Annual Percentage Rate (APR) can go up to 80%. Thus, when looking for a loan, don’t settle on the first lender you online; rather, compare various online lending terms first.

  • Fraud And Scams

Before anything else, there are a lot of reputable lenders providing services however, not most borrowers are patient enough to check with their provider. Scams and fraudulent activities usually happen over the Internet if you’re not cautious. Being aware of the red flags and knowing how to walk away with it immediately will save you money and your identity.

Below are some of the signs of an online loan scam:

  • Payment History Is Not An Issue

There are legitimate lenders offering financial assistance to bad credit borrowers; however, this doesn’t mean that they ignore your credit history completely. They may not use it as an important factor to come up with a decision but they will surely check it to know your payment history. Any lender who doesn’t about your credit report is likely to be a scammer.

  • Not Registered Or Licensed In Your State

Lenders and even loan brokers must be registered in the place where they operate. In case your loan provider is not listed in your state (or in any states), there’s a huge chance that this is a loan scam. Check your potential company’s website first to verify the list of states where they legally operate.

  • Charging Upfront Costs

It’s rare for a lender to apply an upfront cost unless it’s a huge loan such as a mortgage. Whether it’s a personal or a payday loan online, you shouldn’t pay to get any of it. There are many scammers asking for collateral, fees, or prepaid debit card for insurance and in case you’ve experienced one, this could be a red flag.

  • Unsecured Website

Next on the list is their “potentially harmful website”. When visiting a page, be sure to lookout for two things:

–    The letter “s”, which stands for secure, after “http” on their website. For instance, it should be like this: https://www.vamoola.co.uk

–    The icon for a padlock on any pages where they ask for confidential information, such as your personal and financial details.

  • No Physical Address

It’s a safer choice if the lender provides a physical location you can visit in case of concerns or inquiries. You might want to check into Google Maps as well to verify. If the address is missing, then it may be a sign of a loan scam waiting.

  • Not A Lender At All

There are many scammers pretending to be “lenders” but in reality, all they want is to steal your information so they can use it for their own good or sell it to earn a profit. Be careful when entering personal and financial information because there’s a chance for you to become a victim of identity theft in case you entered on a wrong site.

why choose online loans

How To Borrow Online Loans

Getting a loan online is almost like getting any regular loan – only a lot easier. Your personal and financial information is necessary, such as your full name, Social Security Number, and bank information. Details about your job and source of income are also necessary.

To get started, all you have to do is find a reputable online loans lender, fill out a 2-minute application form with important details, verify via phone call, and once approved, the lender will send the money in an hour or so.


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.