Explore Quick Small Loans Online Today with Fast Loan UK

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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

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Ticktock Loans £595.92

#11

Loan Pig £595.92

#12

Moneybag £600.00

Proud to offer the cheapest instant short term loans in the UK

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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%

An unexpected boiler repair, a car that won’t start before work, a school trip you didn’t budget for: small unexpected expenses can cause big stress when money is tight. Quick small loans are a focused way to bridge these brief cash gaps so you can keep moving. Our little loans are designed for everyday UK households who want a straightforward, responsible option when timing, not a large sum, is the main problem. We keep the process clear, the language plain, and the support human, so you can make a calm decision in a stressful moment.

What Is a Quick Small Loan?

A quick small loan is short-term credit you apply for online to cover a modest, essential expense. Unlike longer personal loans, it’s intended to be repaid over a short period, with the emphasis on clarity and speed rather than a large borrowing amount. In the UK, lenders must follow strict Financial Conduct Authority (FCA) rules on costs and fair treatment, and reputable providers explain total costs up-front, avoid hidden fees, and check affordability before lending. This type of borrowing can help when you need to solve a problem fast and then return to your normal budget.

Why Fast Loan UK? A Responsible Way to Borrow Small Amounts

When money is already stretched, the last thing you need is confusion. We built our quick loans service around three promises:

Clarity from the first click. You’ll see what the loan costs and when it’s due. No jargon or surprises.
Speed that respects your time. Our digital journey is streamlined so you can apply in minutes and, once approved, receive funds promptly.
Responsible lending. We lend in line with FCA rules and run affordability checks to help make sure a quick fix today doesn’t become a long-term burden.

You’ll see us use terms like small quick loans, small payday loans, and little loans throughout this page because everyone searches differently. The principle is the same: modest instalment loan amounts, short durations, and clear costs.

Who Our Little Loans Are For

Our customers are often working people in the lower to mid-income bracket who’ve been hit by a one-off, time-sensitive bill. If you don’t have available savings, or your pay date is days away, our quick small loans can provide breathing space. We also consider applications for small loans for bad credit, as not everyone’s history is perfect, and recent affordability matters. If we can see a stable income and a budget that works, there may be a suitable way forward. (Where borrowing isn’t right, we’ll point you to free, trusted advice.)

Are Small Payday Loans the Same as Quick Small Loans?

The terms overlap. Small payday loans are typically repaid on or soon after your next payday. Quick small loans can sometimes offer slightly more flexible repayments while keeping the balance low. With either option, the key is borrowing only what you need and having a clear plan to repay on time so you minimise your interest rate and protect your credit profile. Independent guidance from MoneyHelper explains how short-term credit works, and why keeping the term short matters.

Costs, Caps and Consumer Protections You Should Know

In the UK, high-cost short-term credit is capped: the initial cost cap is 0.8% per day, default fees are capped at £15, and the total cost is capped at 100% of the amount borrowed. These rules were introduced by the FCA to prevent runaway costs and require lenders to present clear pricing. Knowing these guardrails helps you compare small quick loans with confidence and avoid lenders that don’t meet these standards.

Eligibility and Basic Requirements

To apply today for a small loan, 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

If your history isn’t spotless, you can still apply for small loans for bad credit. We look beyond a score to understand your present circumstances to offer low credit score loans. For many people, borrowing a smaller sum over a shorter term is kinder to the monthly budget than taking a larger, longer commitment. If we think a different approach suits you better, we’ll say so and suggest alternatives.

When a Little Loan Can Make Sense (And When It Might Not)

Good use-cases include urgent car repair loans that get you to work, a vital bill to keep your home running, or a small medical or school cost you didn’t foresee. In situations like these, quick small loans can be a practical and affordable option. Also, using small payday loans to juggle multiple existing debts is risky. If you’re already behind or skipping bills, talking to a free debt advice charity may be the safer first move.

Millions in the UK have felt pressure in recent years, with the FCA reporting 7.4 million adults were struggling to keep up with bills and credit repayments, down from 10.9 million a year earlier but still above pre-pandemic levels, so you’re not alone in seeking support.

How Our Small Quick Loans Work

All you need to do is complete our short online form with the amount you need and the preferred repayment term. We’ll present your total cost and monthly repayment date(s) before you proceed. Then, we'll assess your financial circumstances. If approved, funds are transferred quickly.

Most people choose a short term loan so they can pay less interest overall, and many repay early when they can. We never encourage borrowing more than you need, and we’ll only lend where the monthly repayments look sustainable in your budget. For first-time borrowers, we cap the amount you can borrow at £800 and repayments at a maximum of 8 months. Once you’ve successfully paid back a loan with us, you may then apply for a loan up to £2000 and choose up to 12 months' repayments as a trusted customer where eligible.

If you repay by card, direct lenders typically use a continuous payment authority (CPA) to collect on the due date. You have rights around CPAs, including the ability to cancel with your bank, so always speak to your lender and bank promptly if something changes. Citizens Advice has a plain-English guide to how payday repayments and CPAs work.

Why Choose Fast Loan UK for Small Loans

When you need to handle a necessary expense fast, quick, short term loans keep things simple: small amounts, short terms, clear totals. Our little loans are built for the realities of tight budgets, and we consider small loans for bad credit history borrowers if they’re affordable. We follow responsible lending guidelines that cap costs, and we point you in the direction of free help if borrowing isn’t the right answer. Apply online in minutes, compare your options, and choose the path that genuinely fits your needs.

Want to explore more options? Whether it's cash loans, affordable loans and loans of varying amounts to suit your needs, like £200 loans and £500 loans, we can look to help fast today.

Small Loans FAQs

Are quick small loans safe in the UK?

Yes, when you use an FCA-compliant direct lender that explains costs clearly, checks affordability, and caps charges within UK rules. The FCA introduced a price cap for high-cost short-term credit to stop excessive fees: 0.8% per day, £15 maximum default fee, and a 100% total cost cap. Reputable providers will show your total cost before you agree. If the figures aren’t crystal clear, don’t proceed and consider alternative options or free advice.

What can I use a little loan for?

Most people use little loans for necessary, time-sensitive expenses: urgent car repairs, a boiler fix, a childcare or school cost, or a bill that can’t wait until the next payday. Small quick loans aren’t designed for discretionary spending or long-term borrowing. If your financial gap relates to existing debts, a debt charity can help you map a plan rather than stacking new credit on top. Used wisely and repaid on time, small borrowing from us can be a helpful bridge. Used often, it can strain your budget.

Can I get small loans for bad credit?

We review more than just your credit history. Your current income, outgoings, and recent stability matter, because affordability today determines sustainability tomorrow. Many customers with past issues have secured small loans for bad credit when the requested loan amount and term were sensible. There’s no guarantee of approval, and where credit isn’t right, we’ll advise this. An honest application (and choosing the smallest loan amount that solves the problem) always improves your chances.

Will a small payday loan affect my credit file?

Yes, short-term borrowing appears on your credit file. Used sparingly and repaid on time, it may demonstrate positive behaviour; used frequently or repaid late, it can limit your options later. MoneyHelper notes that payday borrowing is recorded and can affect what you’re able to borrow money in the future. If you’re unsure, compare alternatives like payment plans with your bill provider, credit union loans, or speaking to a debt charity before applying.

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