Best Loans

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due Tuesday 25th Jun
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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
Ticket Loan £595.92
Loan Pig £595.92
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%

Many people want to find the best loans available that provide the cash they need at affordable terms. Here at Fast Loan UK, we can provide borrowing of up to £2000 and flexible repayments over a maximum of 12 months that can pay out in an instant. We can look to offer the best loan rates in the UK for your circumstances, whether you have good or bad credit, as long as you have the affordability for repayments. Start your application today by clicking apply now and receive a decision in principle straight away on the amount and terms you want.

What are the Best Loans?

The best loans in general are ones that provide exactly what you need at an affordable cost. Whether you’re looking for a short term loan or something over a longer period, the best loans provide you with options and clear terms. When looking for the best loans, you’ll need to find the best lenders, and these will be authorised by the Financial Conduct Authority (FCA). By choosing trusted lenders, you can ensure that you are treated fairly as an applicant and that they are working to responsible lending guidelines. All the information you require for the best loans needs to be transparent also, and at Fast Loan UK, we ensure our loans are as clear as possible so you can make a savvy decision that’s best for you.

Why Choose Fast Loan UK to Apply for the Best Loans?

At Fast Loan UK, we are FCA approved lenders and take responsible lending seriously. We know that it’s important for applicants to fully understand the loan they are requesting, which is why we always provide clear, transparent terms so you can see exactly how much the best loans will cost including the interest charge, admin fees and monthly repayments. There are no hidden fees with us, and we also do not charge any late penalty fees.

We strive to provide the best loans for your situation, so if you have an unexpected expense you need to cover, you can quickly choose a loan amount and flexible terms that fit in with your affordability. Then, if we can approve it, you’ll have the funds the same day to resolve your financial position. As part of our commitment to provide the best experience, we assign all applicants with a personal customer care manager who will oversee your application. They‘ll personally assess your finances and consider your current situation against your credit history. This way, you won’t have to worry about a low credit score as long as you can show you can afford the loan you need. This also enables us to offer the best loan rates in the UK for your finances when comparing online direct lenders.

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.

Eligibility for the Best Loans

To apply today and find out if we can provide the best loans for you, you’ll need to meet our eligibility criteria first. You’ll need to be:


  • 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 this eligibility will mean you can apply now and choose the loan amount and repayment length you want. We’ll then provide a decision in principle if we can meet your requirements. With any application, we cannot guarantee you will be successful for the best loan rates in the UK, as this will be determined by different factors. A full credit check will be required and will help with the lending decision process, along with a full assessment of your finances. We may additionally require your most recent bank statements to help do this, along with proof of identity and proof of address. During the decision making process, your customer care manager may need to call you to confirm a few details. This shouldn’t take longer than 5 minutes to do and sometimes isn’t required if we have enough information from the credit reference agency. If approved and once you’ve signed your digital credit agreement, you could receive the funds within 15 minutes.

Apply Today for the Best Loans Online

Complete an application today and find the best loans online for those with poor credit. If you have no other means to settle your financial emergency through available credit or savings, we can help provide the fast cash you’re looking for. Click apply now to begin your application, or if you have any questions about the best loans available, please contact us directly.

Best Loans FAQs

Are the Best Loan Rates in the UK Possible with Bad Credit?

Having a poor credit score shouldn’t mean you can’t access the best loans, but many lenders will make it difficult without good credit. At Fast Loan UK, we understand you may have had financial difficulties in the past which reflects your current credit rating and offer loans for bad credit. If your financial issues are firmly behind you and you now have the affordability to maintain the repayments you need, there is every chance you could be successful in applying for emergency loans. Receiving the best loan rates in the UK will be difficult with bad credit, but you’ll be able to review the terms available for you and make an informed decision.

What’s the Maximum I Can Borrow with the Best Loans?

The amount you can borrow through us will depend on if you are a new or existing customer with us. For your first loan, you will be able to borrow up to a maximum of £800, whereas a returning customer can choose to borrow up to £2000. This is because we need to ensure your first loan is repaid without issue before agreeing to a higher loan amount. You should only apply for the amount you need rather than the maximum available and we cannot guarantee you will be approved for the maximum amount.

How Quickly Can I Receive My Loan?

Part of providing the best loans is ensuring you have the funds you need quickly. We can usually provide same day loans as long as your application is processed during normal working hours. Please note, any application submitted outside of business hours or at weekends may not process until the following working day. Once you have received approval and you have signed your digital loan agreement, we can transfer the agreed funds into your bank account within 15 minutes using faster payments, as long as your bank has this facility.