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Personal Loans

£50 £2,000
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due Tuesday 25th Jun
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The cost of borrowing £300 over 6 months:

#1
Fast Loan UK £507.48
#2
Mr Lender £544.00
#3
Cashasap £556.23
#4
Lending Stream £579.00
#5
Money Platform £586.26
#6
Savvy £595.00
#7
QuidMarket £596.46
#8
Cash4unow £599.82
#9
Fernovo £595.92
#10
Ticket Loan £595.92
#11
Loan Pig £595.92
#12
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%

A personal loan can provide you with the cash you need to cover unexpected payments when you need it most. Here at Fast Loan UK, we can offer customers flexible repayments on direct lender loans as an alternative to personal loans, offering up to £2,000 for returning customers and a maximum of £800 for new customers, with repayments to suit your budget.

Whether you need repayment terms that allow you to pay in weekly, fortnightly or monthly instalments, we can help you spread the cost of borrowing for up to 8 months as a new customer, or up to 12 months if you’ve successfully borrowed with us before.

Learn more about our personal loan alternative below, and to start your application for a quick decision in minutes, click apply now.

How Do Our Direct Lender Personal Loans Work?

At Fast Loan UK, we aim to offer you the loan you need as quickly as possible, helping you to resolve your short-term position fast. Whilst a traditional personal loan would only be available from high street banks and lenders and usually for a minimum of £1,000, our loans for bad credit start from as little as £50. That means you can borrow a much smaller amount if that’s all you need, helping you to borrow a more manageable amount in the short term.

If you do require a larger loan, all you have to do is adjust the slider on the loan calculator and choose the amount you need. You can then choose the repayments you can afford, so whether you are looking for £1000 loans or £2000 loans the choice is yours. When choosing our personal loans alternative, you can be sure of full transparency, a simple application process, and quick cash when you need it. If the loan is affordable for you, we can look to help you today.

  • We’re a direct lender, so you won’t be charged broker fees 
  •  There are no hidden charges involved in our personal loans 
  •  We are fully transparent about all costs involved with our personal loans 
  •  Our handy loan calculator helps you to choose flexible repayments to match your budget 
  •  Choose to repay weekly, fortnightly or monthly 
  •  Easily review the repayments required for your loan and adjust to fit your needs


When you apply for a loan with us, you will be given a dedicated Customer Care Manager who will work with you throughout the duration of your loan term. If, at any point, you have any questions or need to make a change to your loan, you can contact your Customer Care Manager who will help you. This may be for anything from changing your bank account details or paying off your personal loan early – which we don’t charge early repayment fees for.

As FCA authorised responsible lenders, our number one priority is always our customers’ best interests. We’re fully transparent about our alternative personal loans, and you can find all you need to know on our How It Works page, as well as our dedicated FAQ page. Please note, we offer tailored personal loans for every customer, so your repayment plan could vary from any loan examples shown.

Personal Loans for Bad Credit

If you’re someone with a poor credit history and a low credit score, you’re still welcome to apply for our personal loans. We understand your credit score may be low for a variety of reasons, and it can take a long time for you to build it back up. This shouldn’t prevent you from getting a loan if you can afford the repayments, which is why at Fast Loan UK we look beyond your credit history.

A a low credit score loan can be the right choice for your current financial circumstances if you have plenty of affordability for the repayments required. For us, it’s more important that you are able to sustainably afford repayments on an alternative to personal loans than what your credit score shows. Whilst other lenders may use automated lending decisions and may reject you at the first step, we take a different approach and pride ourselves on being an open and judgement-free lender of personal loans for bad credit.

We’re able to approve many customers who have been turned down by other lenders. Whether it’s due to a low credit score or having a default or County Court Judgement (CCJ) on your file, we look beyond your financial past. Instead, we focus on whether personal loan repayments are affordable for you in the present and throughout the requested loan term.

We understand that circumstances can change, which is why we aim to be as flexible as possible with our personal loans for bad credit, even after you have signed your loan agreement. If you are concerned that you may be unable to make a particular repayment, all you need to do is contact your Customer Care Manager. They will listen to you and try to help you avoid defaulting on your loan, which could be as simple as splitting the amount over your remaining instalments. If we can help you, we will always try, as long as we can determine that personal loans for bad credit are sustainable for your circumstances.

How to Apply For a Personal Loan

Applying for our alternative personal loans is a simple and stress-free process, and you can get started by clicking Apply Now and filling out our short application form. It will take just a few minutes to provide a few details about yourself and your current finances, as well as the loan amount and repayment term you’re looking for.

You’re welcome to apply today if you can meet our eligibility requirements:

  • At least 18 years of age 
  • A current UK resident 
  • Have a bank account and valid debit card 
  • Receive a regular income from employment

Once we have received your personal loan application, we’ll quickly review the details and provide a decision fast, meaning you won’t have to wait long to find out. If we need further information from you, your personal Customer Care manager will call you, which will take around five minutes of your time. If we have all the information we need to continue, a call won’t be necessary.

If we’re able to approve your application, we’ll process your loan and use the Faster Payments System (FPS) to ensure the cash is in your account quickly, usually within 15 minutes of you digitally signing your loan agreement. This way, we can look to provide same day loans where possible. Once you have your funds, all you have to do is maintain the agreed repayments, and to make this simple, we’ll set up a Continuous Payment Authority (CPA) on your bank account to automatically take payment – just ensure available funds are there at least the day before.

So, if you’re looking for quick funds that can provide more flexibility than payday loans from a responsible and transparent direct lender, apply today with Fast Loan UK. If you do have any questions, you’re always welcome to contact the team, with our friendly UK based specialists more than happy to help. Click apply now to begin your application and receive a decision in minutes.

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.

Personal Loan FAQs

Am I guaranteed approval with personal loans for bad credit?

Whilst we cannot guarantee approval for the personal loan you’re looking for, we can look to help those with a poor credit history who can sustain repayments. Like any responsible lender, full approval cannot be provided until credit and affordability checks are completed. As an FCA authorised lender, we will carry out these checks to assess your application first. If we can determine you can afford the loan repayments and sustain this throughout the term, we can look to approve the loan. This is how we can help provide personal loans for bad credit for eligible customers.

How quickly will I receive the funds?

We always look to process your loan application as quickly as possible, and in some circumstances, we can provide same day loans within 10 minutes of signing your agreement. This will all depend on whether we have all the information we need from you during the application process and whether your bank accepts Faster Payments. Applications made outside of business hours may not be processed until the following working day.

Can I borrow more than £800 as a new customer?

As a new customer, the maximum loan amount we can provide is £800 for up to 8 months, so if you require a larger loan amount, this is not something we can provide for your first loan application. However, if approved and once your first loan has been repaid in full, you are welcome to apply again in future. Returning customers may then be eligible to borrow up to £2,000 and choose repayments of up to 12 months. This will be subject to credit and affordability checks when you do apply.