Flexible Repayment 12 Month Instant Loans Online

Borrow £100 - £2,000

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Representative example:

Borrow: £600 over 5 months. 5 repayments of £194.81. Total amount payable £974.04. Interest rate: 292% pa (fixed). Representative 907% APR.

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

Compare the price of short term loans here

What Are They?

Instant loans are a form of short term borrowing that is available to people who have either poor credit ratings or simply need access to credit quickly. Sometimes, they are called payday loans or bad credit loans. These are loans provided to customers in real-time. This means the customer can expect to have the funds in their bank account within a few minutes of their online application.

These types of loans are a relatively new phenomenon within the financial industry compared to payday loans and have come about as a result of the growth in demand. As the short term lending market has grown and developed, so has the processes and systems within the industry. This has made taking out a cash loan online a quick and simple process. Long gone are the days where you would need to go into a bank and fill in long arduous paper applications, and then wait for teams of underwriters in the bank's lending department to make a decision on your loan application. Computers and complicated algorithms can now do this within minutes which has transformed short term loan lending.

When Should These Loans Be Used?

Instant loans designed to offer people short term credit to get them through an emergency. If you are self employed for example and your car or computer breaks down, you may need to take out a loan to repair or replace it, because without those essential tools you cannot generate any income. Instant loans offer a valuable service to people who either don’t have credit cards or can’t access more affordable types of credit quickly, by giving them the financial independence to get themselves out of such situations.

These types of loans are not intended for people who have access to other, more affordable forms of credit such as low interest credit cards or a credit card they can pay off in full each month. They are not a good option for people with a low interest overdraft either.

For those who cannot access more affordable credit, instant loans can be invaluable - and as long as they are paid off in full and on time they can even act as a credit builder. As long as you do not 'roll over' the loan or take a new one out each month, using them and paying them off can build up your credit rating, which may help you to access more affordable credit in the future.

Can We Help?

Yes, like the majority of other online short term lenders we offer these types of loans. If you are a new customer we aim to have the loan in your bank account within 25 minutes of the initial loan application. This is, however, subject to you passing all of our credit checks and affordability assessments. If we require more information from you it may take a bit longer to process the application. We always aim to have the funds in your account on the same day.

If you’re an existing customer we will aim to have the instant loan in your bank account within 10 minutes of the new loan application. However, this can take longer, dependent on how long your bank takes to process the payment, and whether or not they accept Faster Payments.

We have designed our loan process to be as simple and as efficient as possible. We understand that a quick decision process and instant turn round of cash into the customer’s account is imperative to our service. In addition, we are a responsible lender and therefore encourage potential borrowers to seek independent financial advice from someone impartial.

If you would like further information on borrowing, or independent expert advice, please contact moneyadviceservice.org.uk

What are the benefits of Applying with Us?

If you are in need of a quick cash injection, whether that be for a last-minute holiday, or to pay for the food shopping when the debit card lets you down. Then our loans are perfect for you. We understand that everyday lives are unpredictable and may require cash fast to cover you in the short term. Returning customers can have the funds in their account within 10 minutes of making the request to reborrow.

Instant Loans - Amounts up £2,000 Available if Approved

We don’t recommend you to make a borrowing decision on a whim and always understand what the total repayable amount is, loan term and monthly payments. We want all customers to use our lending facilitates responsibly. However, its handy to know that we are just a few clicks away on your mobile, tablet, or computer, if we are needed.


Click Here to Apply for an Instant Loan Today

Representative example: Borrow: £500 over 7 months. 7 repayments of £113.43. Total amount payable £794. Interest rate: 292% pa (fixed). Representative 587.62% APR.