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%

Thanks to our quick and easy loans application, you could have money in your bank in minutes if approved. With 95% of our applicants approved for a loan in just 5 minutes, we provide easy loans for bad credit as well as good. As a new customer, you can choose a loan up to £800 with a maximum repayment term of 8 months, whilst returning customers can apply for up to £2000 and choose repayments up to 12 months, as long as your first loan with us is settled in full.

So, what’s easy about our loans? Our quick, transparent loan application process provides you with easy access to the cash you need no matter what your credit score is. Your personal Customer Care Manager will oversee your easy loan application, with their mission to ensure that you can get the money you need without affecting your future finances.

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By selecting an easy loan application with Fast Loan UK, you can say goodbye to any unexpected payments that you need to make in an emergency, especially if you have no available savings or other options to resolve. All you have to do is click apply now, select how much you want to borrow and how long for, and your Customer Care Manager will take care of the rest for you.

If you’re eligible as a returning customer, you could choose up to a maximum of £2000 loans in a matter of minutes thanks to our easy online loans application. Start your application today to find out just how simple applying for our quick easy loans will be for you.

What Are Quick and Easy Loans?

The idea of easy loans is that you can apply for and receive short term loans quickly when you need them most. When we say they’re ‘easy’, we’re referring to our simple application process for our various loans, including our short-term and payday loans that can be applied for in minutes. We can’t offer guaranteed approval, but we can make providing you with a decision quick and easy.

There’s no long and overly involved application process, even if you’re looking for easy loans for bad credit scores. Having a low credit score often affects your loan applications, with many direct lenders preferring not to approve those with low credit ratings. Here at Fast Loan UK, we work a little differently and view our valued customers as more than just their credit score.

No applicant wants to be left waiting to hear if they have been approved or not. By applying and completing our quick and easy loans application, there is no need to wait around for a phone call hours or days later. Whilst traditional lenders may take extra time with your application, here at Fast Loans UK, we believe that our customers should have safe access to the finances they need when unexpected events may arise. Whether your car needs repairs, or you have a sudden bill, having quick access to easy online loans could prevent the stress you’re sure to be feeling.

Taking out a loan may feel stressful in itself, as sometimes you may worry about not being able to afford to pay the loan back in time. That’s why we provide flexible repayments, so you can feel confident choosing a loan you can afford to sustain. The fees on our loans are transparent and you can choose how many repayments you want to make and when you want to make them – just flexible, quick easy loans.

More than that, our Customer Care team is on-hand to ensure that you never borrow more than you can afford to pay back. This is why it’s possible to get easy loans for bad credit; we see you as a person beyond your credit score and we’ll do everything we can to help where possible.

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How To Apply For Easy Loans

At Fast Loan UK, we go beyond short-term and payday loans. We understand the urgency when sudden payments need to be made in your personal life. To start an easy online loans application with us, whether it’s for £500 loans or something larger, simply click Apply Now and fill in our short application form.

If you want to see the numbers before applying for an easy loan, you can use our functional repayment slider on this page – or any of our loan pages – to select how much you want to borrow. You can then select your preferred repayment term and see what you could be paying back over your chosen period if you take an easy loan out with us, including interest.

After applying, we’ll provide you with a decision in principle for the loan amount you want to borrow, and the repayment terms you need to know. Your personal Customer Care Manager will then be assigned and may call you for a quick chat about the loan application if we need more information. This call should only take around 5 minutes to complete and it isn’t always needed if we have enough information to immediately approve your loan.

Your Customer Care Manager will assess your affordability and once complete, they will send you your digital loan agreement to read and electronically sign. Once we have your signed form back, we’ll credit your bank account within just 15 minutes with the agreed amount.

Are You Eligible For Quick Easy Loans From Fast Loan?

We may be able to offer approval on our easy loans application if you can meet the following minimum requirements:

• Aged 18 years or older

• Current UK Resident

• Full-Time, Part-Time, or Self-Employed

• Receive a regular income

• Have a Bank Account and Debit Card

If you meet the above criteria, we can help you start your quick and easy loans application immediately. During your application, we will request supporting additional documents, including photo ID, proof of address, and your last 3 months of bank statements. This is so that we can fully assess your income, and expenditure and confirm your identity.

We recommend having these documents ready before applying for our loans, that way there will be no delay in receiving approval for your easy loan from us.

Discovered all you need to know? Click Apply Now and start your application today, and if you have any questions about our easy online loans, please do contact us.

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Easy Loans FAQs

Can I Get Easy Loans for Bad Credit?

Getting a loan may not help your credit rating but repaying them on time can show other lenders that you’re a trusted borrower. When you have bad credit and require an easy loan, we are able to provide help in an emergency situation with quick easy loans for applicants who can prove their affordability.

This means that if you do have bad credit, you aren’t automatically declined. Other lenders may be unable to help you when you have a poor credit history as they may see this as more of a risk. Whilst we do run a credit check to see your financial history, this forms just one part of our approval process. However, if you’ve been declared bankrupt, are in a debt relief order, or have an IVA on your credit file, we unfortunately will not be able to accept your application at this time.

How do Repayments work with Easy Loans?

To pay back your approved easy loan amount, we’ll arrange a Continuous Payment Authority (CPA) on your bank account. All you need to do to stay on top of your repayments is ensure that the money you need to repay is available in your bank account before your payment is due. We know it’s easy to forget what’s due when you have so many other bills coming and going, so we send you a reminder at least 3 days before your repayment is due to help you remember to check your account.

Alternatively, you can cancel the CPA and pay via bank transfer if you prefer. The total amount of your repayments, including interest charges, will be detailed in your credit agreement.

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.

How Long Before I Can Apply for an Easy Money Loan Again?

If you are a first-time applicant with us, your first loan will be limited to £800. Once you have repaid this amount in full, you can then choose to apply again and borrow up to the maximum of £2000 the next time you apply. Any returning customers will be subject to credit and affordability checks to ensure your circumstances have not changed between applications. We can’t guarantee you will be approved for quick and easy loans, even if we approved you before, so be sure to check if the loan is affordable for you.

Whilst there is no time limit on when you can apply again, we do not encourage customers to borrow more than they can afford to pay and recommend only using our quick easy loans application to help you in a financial emergency.

Before applying again, you should carefully consider if further short-term borrowing will help your finances. If you are experiencing long-term financial difficulties, we recommend seeking help from the Citizens Advice Bureau or Money Helper.