Online Direct Lenders

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due Saturday 25th May
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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%

If you're in need of quick cash, our UK direct lender loans may be a reliable solution to help you get funding as fast as possible. At Fast Loan UK, we understand the urgency of your situation and offer a full lending experience.

Unlike many brokers, we approve our own lending decisions and provide fast funding without any unnecessary delays. We value your time, which is why we aim to provide an efficient and speedy direct lender UK service for our customers, even if you have bad credit and you’re struggling to get a loan. You may be able to receive up to £800 as a new customer within just 15 minutes of applying, if you can prove your affordability.

Don't hesitate to apply now to see how we could assist you with our services.

Direct Lenders You Can Trust

When looking to borrow money quickly, it's important to choose an online loans direct lender that you can trust. Fast Loan UK is a bad credit loans direct lender offering affordable loans in the UK. We are committed to providing our customers with a transparent and fair service.

Whilst we can lend to you if you have a history of bad credit, all approvals will be subject to affordability assessments first. Unlike brokers who act on behalf of other lenders, we make all lending decisions ourselves as a direct lender in the UK. Our team of Customer Care Managers are available to guide you through the loan application process and offer a human touch that sets us apart from other lenders.

We can consider your application as long as we can see that you can afford the loan and that you can show you are a responsible borrower. Being able to sustain the loan repayments is crucial, so we ensure any loan approval will not potentially cause further financial difficulties.

When you’re looking for a direct lender in the UK, the best lenders will only approve what you can afford to repay. They look beyond your credit score and treat you as a person. At Fast Loan UK, we believe in offering flexible repayment dates to help you make manageable payments. We're proud to offer a different approach to lending as direct lenders. We rely on our team of experts to make lending decisions rather than use automated systems, which allows us to take a personalised approach to lending.

Choose Fast Loan UK as your direct lender today and experience a reliable and trustworthy service for your borrowing needs.

How We Can Help You

We understand that when you need money fast, you want a simple and streamlined process to get the funds you need. As an online direct lender, Fast Loan UK provides a hassle-free application process that ensures you get a quick decision in minutes. Our short term loans and payday loans are designed to help you bridge gaps in your finances without any long-drawn-out process.

All you have to do is fill out our short application form with the amount you want to borrow, the loan length and repayment method. We’ll then provide an agreement in principle and assign you a personal Customer Care Manager who may contact you for additional details. Having all the necessary information from our credit search reduces the need for a phone call and speeds up the process. As a bad credit loans direct lender, we encourage responsible borrowing and will assess your affordability to ensure a loan is affordable for you first.

If we can approve the loan, we’ll send you a link to sign your credit agreement electronically via text message and email. Once you’ve signed and returned this, we’ll transfer the funds to your bank account within just 15 minutes where possible, so you can start using the funds to resolve your situation the same day.

For repayments, we use a Continuous Payment Authority (CPA) to take this automatically on the agreed dates from your bank account, but you can also make repayments via bank transfer if you want to - just contact your Customer Care Manager for more information on how to do this.

The benefits of choosing Fast Loan UK include:

  • Quick decision and funding process
  • Hassle-free application process
  • Personal Customer Care Manager to assist you throughout the process
  • Responsible lending practices to ensure you only borrow what you can afford
  • Flexibility to make repayments via bank transfer
  • Trusted payday loan and short term loan options to help bridge gaps in your finances

If you’re in need of a quick loan from a direct lender in the UK you can trust, apply with us today. Alternatively, reach out to our team for more information about our loan process.

Eligibility For Our Direct Loans

We want to make it easy for as many people as possible to access our instant loans when they need them. To apply for our direct lender UK loans, you will need to meet the following eligibility criteria first:

  • Be at least 18 years old
  • Be a current resident of the UK
  • Be in full-time, part-time, or self-employment
  • Receive a regular income
  • Have a valid bank account and debit card

No matter what your short term loan needs are, we are here to help. To get started, click Apply Now and fill in our short application form. If you do have any questions, please don't hesitate to contact us today where we will be happy to assist you further.

UK Direct Lender Loans FAQs

Am I guaranteed to receive funds within 15 minutes?

We aim to deposit funds into your bank account quickly if you meet our criteria and we approve your loan application. However, since every application is different, we cannot guarantee this until we have assessed your circumstances. Applying usually takes around 5 minutes. If your bank supports Faster Payment facilities, you should receive the funds within 15 minutes of your initial application.

How much can I borrow as a first-time applicant?

If you are a new customer to Fast Loan UK, you could be eligible to borrow up to £800. This is because we want to ensure that you can repay your initial loan with us in full first and become one of our trusted customers. If you decide to borrow again from us after this, you may be able to apply for up to £2,000.

We have to ensure that you can afford the initial loan first before allowing for higher lending amounts, and we encourage you to borrow only what you need to ensure that you can afford the loan repayments without any issues.

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 do you take repayments for UK direct lender loans?

We use a continuous payment authority (CPA) to automatically take payments from your account on the agreed payment dates. During your application, we will request your permission to set up a CPA, which authorises us to withdraw the repayment amount each week or month. You only need to ensure that the available funds are in your bank account on the day of repayment, and we will do the rest. We will remind you at least 3 days before the repayment date. If you prefer, you can make repayments via bank transfer, so please speak to your Customer Care Manager about this.