Getting a loan quickly when funds are short is essential when you have an emergency expense to settle. In time-critical moments when you don’t have the available credit or savings, choosing to apply for 15 minute loans through Fast Loan UK can provide the solution you’re looking for. With our quick application process, you can get a decision in principle immediately and potentially the funds you need within 15 minutes. By clicking apply now, you can start your application today for a loan up to £2000 and choose flexible repayments you can afford.
15 minute loans are a form of short term borrowing that provides a fast decision and a quick pay out. Similar to a payday loan, loans online in 15 minutes are suitable when you have an emergency expense or unexpected bill to pay. If your available cash is low and your salary date is still a few days away, applying for 15 minute loans can help resolve your situation quickly without having to wait. With many online lenders offering quick cash options, many people want a faster option to a traditional bank loan that could typically take days to provide a lending decision. Thanks to advancements in lending technology, a credit check and decision on your loan approval can be made much quicker by lenders and provide instant loans when you need it most.
At Fast Loan UK, we not only provide a speedy solution, but also take the time to consider your application no matter your credit rating. If you are someone with a low credit score, we won’t just reject your application which can occur with automated lending processes. We work differently in that we take a human approach to lending, that’s why we assigned a personal customer care manager to every applicant. Whilst this may seem like it will slow the process down, in fact it enables us to fully assess your affordability and make better lending decisions, all whilst still providing quick payment if approved.
We are also transparent about the loan you apply for, showing you exactly the terms and interest you can expect from the loan amount you choose. We do not charge any hidden fees or late payment charges, and the maximum default charge is capped at £15. You’ll only be charged interest for the days you’ve borrowed, so if you can payback the loan quicker than planned, we may be able to remove interest from the loan total. Add to this our flexible repayment date options so you can choose repayments you can afford to maintain, and you’ve got loans in 15 minutes in the UK that work for you.
Representative example: Borrow: £500 over 16 weeks. 4 repayments of £183.59. Total amount payable £734.36. Interest rate: 151.4% pa (fixed). Representative 766.18.% APR.
To apply today for loans online in 15 minutes, you will first need to meet our eligibility criteria, which we have kept as simple as possible. You’ll need to be:
If you can easily meet the above, you can click apply now for 15 minute loans and get a decision in principle on the loan you want in an instant. All we require is a few personal details about you and your employment, as well as information about your income and expenditure. During the application process, your personal customer care manager may need to call you for a quick 5 minute check of your details. If we have all the information we need from the credit reference agency, we may not need to call you at all. From there, the process moves quickly and after assessment of your finances to check your affordability, we’ll send you your digital paperwork to sign if approved. Once we have your signed documents back, you should receive your agreed funds within 15 minutes.
We’re proud to work differently from other online direct lenders and provide a service that is not only quick but also considerate of your circumstances. If you have any questions about our loans in 15 minutes in the UK or regarding an application, please contact us directly for assistance. If you are ready to start your application, click apply now and get the quick decision you need.
Every applicant is required to undergo a credit check as part of their application. We do so to provide you with a decision in principle through a ‘soft check’ of your credit file and then a ‘hard search’ if provisional approved. We follow Financial Conduct Authority (FCA) responsible lending guidelines, ensuring all applicants are fairly assessed and to determine that no further lending will create financial difficulties. Other lenders online may claim to offer no credit check loans, however, they may not be an FCA approved lender like us and may charge hidden fees instead.
We are happy to welcome applications from those with poor credit backgrounds, however this doesn’t guarantee you will be approved. If you are someone with bad credit, you will need to demonstrate your financial difficulties are in the past and you have proven affordability for the loan you request. If we cannot determine you are able to afford 15 minute loans through us, we will have to decline your application.
It’s easy to repay 15 minute loans with us and ensure it’s always on time. As part of your loan agreement, a continuous payment authority (CPA) will be setup from your bank account. This means the loan repayment will be automatically taken from your account on your payment date, so all you have to do is ensure there is enough credit available at this time. To help, we will send a reminder at least a few days before so you don’t forget. If you are aware available funds won’t be cleared in time, you will need to contact us at the earliest opportunity.