Quick Easy Loans

We aim to give you a decision as quickly as possible. It should take you less than 5 minutes to complete your application online. As soon as you submit your application, we will run credit and affordability checks. If we require further information, we will let you know. Assuming there are no further queries needed to check with your application, we aim to credit your account within 10 minutes once approved, meaning a very fast turnaround for you.

We offer flexible fast loans up to a maximum of £2,000. If you’re a new customer, the maximum you can apply for on your first loan is £800. Once you’ve paid off your first loan with us in full, you will then become eligible to apply for up to a maximum of £2,000 on your next loan application with us (subject to full affordability assessment).

Please remember, whilst we are happy to provide loans up to £2,000, you should only apply for and borrow what you need. These loans are classed as High-cost Short-Term loans and are not suitable for repeated use over a short period of time.

Due to our commitment to Financial Conduct Authority (FCA) guidelines and responsible lending practices, a credit check is necessary to be able to approve fast loans in the UK. A soft search will be performed at the beginning of your initial application to ensure you can definitely proceed with a loan through us. This won’t show on your credit file so will not negatively impact your score. However, once pre-approved, a hard search will be performed and will show on your credit file as part of our decision-making process. Whether you’re a new or returning customer, we will perform a soft search to ensure nothing has changed in your circumstances. Remember, a credit search is designed to protect you as much as the lender, so that you can avoid unnecessary financial difficulty from borrowing more than you can afford. You can find out more about how it works, plus more information in our money smart blog.

Whilst having a good or excellent credit rating provides you with more options, it isn’t a necessity when applying for fast loans. We take a human approach to lending, so if you have a poor credit history, we may still be able to help you today. You will need to ensure the repayments and loan is affordable for you, and we’ll perform credit and affordability checks to determine this. Even if you have been declined recently or have a history of arrears, CCJs or defaults, we could still approve a loan. If you can demonstrate your financial difficulties are in the past and your current finances can afford the loan you need, we can look to help with affordable options.

Applying for a loan shouldn’t be taken lightly, so to avoid any potential financial difficulties, there are a few things to consider before choosing quick loans. If you haven’t got a budget in mind, you should consider the exact amount you need and what this will cost to repay. You should also keep in mind that the longer the term you choose, potentially the higher amount of interest you will have to pay back.

Whilst you may be in an emergency situation requiring a loan fast, you should still ensure you have thought about how you will pay back the loan and if it is sustainable for you. If you have low affordability and will struggle to maintain the repayments needed, you should carefully consider if this is the best option for you. It’s best to work out how much you can afford to pay each month and stick to this budget.

Yes, if you can settle the loan amount before the end of the term, all you have to do is contact us. We can provide you with an early settlement quote that will include a £20 early settlement fee, and the interest charge over the term so far. This is subject to this not taking you over the 0.8% daily interest charge. If you can afford to settle early, this can save you money overall as you will only pay interest for the days that you borrowed. Just reach out to us and we will be happy to help.

If you want to apply for fast loans through us, you will need to meet the following eligibility requirements, including:

• Aged 18 years or over
• Current UK resident •Be in Full-Time, Part-Time or Self-employment •Receive a regular income •Have a valid bank account and debit card

Meeting these requirements does not guarantee approval for quick loans, with each customer subject to credit and affordability checks first. We have no minimum credit rating requirement, so you will need to demonstrate the loan will be affordable and sustainable for you.

We are happy to confirm there are no hidden fees when applying through us. We believe in transparency when it comes to lending, so the full costs of the loan you require will be provided before signing any documentation. There are no processing fees and we also do not charge late payment fees either.

We provide full flexibility with our loans, allowing you to choose the repayment term that is most suitable for you. If you are a new customer, you can choose up to 8 months for your loan term and choose either weekly or monthly repayments. You can use our loan calculator to see how much this will cost you, adjusting the term to fit in with what you can afford. If you are a returning customer, you may choose up to 12 months for repayments.