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The cost of borrowing £300 over 6 months:

#1
Fast Loan UK £507.48
#2
Mr Lender £544.00
#3
Cashasap £556.23
#4
Lending Stream £579.00
#5
Money Platform £586.26
#6
Savvy £595.00
#7
QuidMarket £596.46
#8
Cash4unow £599.82
#9
Fernovo £595.92
#10
Ticktock Loans £595.92
#11
Loan Pig £595.92
#12
Moneybag £600.00

Proud to offer the cheapest instant short term loans in the UK

Compare our loans to other lenders here

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

Representative example:

Borrow: £300 over 8 months. 8 repayments of £70.31. Total amount payable £562.44. Interest rate: 130.21% pa (fixed). Representative APR: 840.75%

How Fast Loans Can Help With Affordable £400 Loans

Looking for quick access to cash? Fast Loan UK can help! As direct loan lenders, we offer a reliable and efficient solution with affordable £400 loans that are designed to support you in short-term financial situations. From urgent car repairs to vet bills, a 400 pound loan can act as a much-needed financial cushion to help you cover essential costs.

When you apply for a £400 loan with us, you can trust that speed doesn’t come at the expense of safety. As an FCA-authorised lender, we carry out affordability checks to ensure any loan you take is suitable for your financial situation, even if you have a bad credit score.

About Our £400 Direct Lender Loans

When you apply for a £400 loan with us, you’re dealing directly with a direct lender from start to finish, meaning faster decisions, clearer communication, and a smoother borrowing experience. You can apply for a loan in minutes using our simple online application form and receive a response within a few seconds. Once you’ve reviewed your no-obligation quote and decided to accept it, we’ll ask you to e-Sign the agreement and the funds could be transferred into your account within a couple of hours.

Our £400 payday loans are offered on an unsecured, short or medium term basis. We’re always completely transparent about our loans, and you’re welcome to contact us if you have any questions.

  • Unsecured loans: we don’t ask for any collateral for you to borrow a £400 loan from us. This means no risk of losing possessions, although missed repayments can affect your credit score.
  • Short term and medium term: choose how long to repay your loan — from 7 days up to 8 months for first-time borrowers and up to 12 months for returning customers.
  • Direct lender: no broker or setup fees. Get personalised support via your own Customer Care manager, 7 days a week.

Can I Get A £400 Loan with Bad Credit?

We assess applicants on a case-by-case basis and don't rely solely on your credit history. We understand that poor credit can have many causes. As long as you can afford the repayments, we are usually happy to approve your application.

We still perform a credit check as part of our responsible lending process, regulated by the FCA. Be cautious of lenders offering £400 loans with no credit check — they may be operating unfairly or even illegally.

Is A Loan Right For Me?

Whether a £400 loan is right for you depends on your current finances and ability to repay. We can process approvals quickly, making it suitable for emergency costs like car or home repairs.

However, short-term loans often have higher interest rates. Only proceed if you’re confident you can afford the repayments, including all applicable fees and interest.

£400 Loan Eligibility

To qualify for one of our £400 loans, you must:

  • Be aged 18 or over
  • Be a UK resident
  • Be employed (full-time, part-time, or self-employed)
  • Have a valid UK bank account and debit card

We assess your income and expenses to make sure the loan is affordable and won’t cause financial strain. Loan amounts range from £50 to £2,000 in £10 increments, with flexible terms. You can repay weekly, monthly, or on a date that aligns with your income.

Adjusting your loan term is possible at any time. Contact your Customer Care manager to extend or repay early — no early repayment fees apply.

Borrow £400 with Fast Loan UK

Fast Loan UK offers a straightforward and supportive borrowing experience, even if you have bad credit. Repayments are collected via Continuous Payment Authority (CPA), with fixed amounts and dates.

If you're struggling to repay, contact us immediately to avoid fees and credit score damage. We pride ourselves on fair, responsible lending that puts your needs first. Apply today and you could receive funds within 10 minutes of approval.

£400 Pound Loan FAQs

Who can apply for a £400 loan?

Anyone aged 18 or over, who lives in the UK and has a valid bank account and regular income, can apply.

Do I need a good credit score for a £400 loan?

No. Poor credit applicants are welcome. However, rates may be higher based on risk.

How fast can I get a 400 pound loan?

You could be approved and receive funds within a few hours, depending on your application.

How long do I have to repay a £400 loan?

First-time borrowers can repay over up to 8 months; returning customers up to 12 months.

Will applying for a 400 pound loan affect my credit score?

Yes, we perform a credit check which may have a temporary effect on your score.

Can I repay my £400 loan early?

Yes. Contact your Customer Care manager to arrange early repayment with no extra fees.

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Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
Don’t Go Just Yet!
Proud to offer the cheapest instant short term loans in the UK

The cost of borrowing £300 over 6 months:

#1
Fast Loan UK £507.48
#2
Mr Lender £544.00
#3
Cashasap £556.23
#4
Lending Stream £579.00
#5
Money Platform £586.26
#6
Savvy £595.00
#7
QuidMarket £596.46
#8
Cash4unow £599.82
#9
Fernovo £595.92
#10
Ticktock Loans £595.92
#11
Loan Pig £595.92
#12
Moneybag £600.00
Apply Now!