£400 Loans, Apply For A £400 Loan Online

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The cost of borrowing £300 over 6 months:

Fast Loan UK £507.48

Mr Lender £544.00

Cashasap £556.23

Lending Stream £579.00

Money Platform £586.26

Savvy £595.00

QuidMarket £596.46

Cash4unow £599.82

Fernovo £595.92

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Ticktock Loans £595.92

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Loan Pig £595.92

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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, and 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 short term loan you take is suitable for your financial situation, even if you have a bad credit score.

About Our £400 Loan Direct Lender

When you apply for a £400 loan with Fast Loan UK, you’re dealing directly with the lender rather than going through a broker. A 400 loan direct lender offers funds straight to you, meaning no middlemen, fewer delays, and more clarity around your repayment terms. This makes it quicker and easier to borrow £400 when you need urgent financial support.

Choosing a direct lender also helps if you’re looking for a £400 loan with bad credit, as decisions are made by us rather than being passed through third parties. This can improve your chances of approval while keeping the process simple, transparent, and hassle-free. With Fast Loan UK, you always know exactly who you are borrowing from and what your repayment plan looks like.

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 (sometimes within 15 minutes of signing your loan agreement).

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 £400 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, up to 8 months for first-time borrowers and up to 12 months for returning, trusted 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, as they may be operating unfairly or even illegally.

Is A £400 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 and emergency 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 current UK resident
Be employed (full-time, part-time, or self-employed)
Have a valid UK bank account and debit card
Receive a regular income

We assess your income and expenses to make sure the loan is affordable and repayments are sustainable, so it won’t cause you financial strain. Loan amounts range from £50 to £2,000 (maximum £800 for new customers) with flexible repayment terms. You can choose to repay weekly or monthly, whichever aligns best with your income.

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 15 minutes of approval.

£400 Pound Loan FAQs

Who can apply for a £400 loan?

If you’re aged 18 or over, currently live in the UK, are in full-time, part-time or self-employment and have a valid bank account and regular income, you can apply for a £400 loan today. Choose up to 8 months for repayments if this is your first loan with us, and be sure the loan is sustainable for you.

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

No, poor credit applicants are welcome as long as the loan is affordable for you. Interest rates for a £400 loan with bad credit may be higher based on risk with many lenders, so it’s important to ensure you are borrowing for the right circumstances.

How fast can I borrow £400?

You could be approved and receive funds within a few hours, depending on your application. Sometimes you can receive the approved funds within just 15 minutes of signing your loan agreement.

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

First-time borrowers can choose to repay for up to 8 months, whilst returning customers can choose up to 12 months if their first loan is paid off in full. It’s important to choose the most affordable repayment term rather than the longest available to avoid paying back the loan for longer than necessary.

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

Yes, we perform a hard credit check if eligible for a £400 loan which will appear on your credit report. A soft check will be carried out initially to check eligibility, which will not impact your score, and we will only move forward with applications that meet our requirements. If you are then declined after a full credit check, this will appear on your report, so please ensure that when applying, this is the right option for you.

Can I repay my £400 loan early?

Yes, simply contact your Customer Care Manager to arrange early repayment of your loan. You will only be charged interest for the days you borrowed, plus a £20 early settlement fee, as long as this doesn’t take you over the 0.8% daily interest charge.

£400 Loans For Everyday Lives

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