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Instant Loans

If approved, your £100 to £5,000 can be sent within minutes, in a few clicks

With over 50 direct lenders in our network to compare, we find you the best loan offer available!

  • 100% secure
  • No fees
  • No paperwork

I would like to borrow...

...and pay it back in 12 months

Representative Example: Amount of credit: £1,000 for 12 months at £107.53 per month. Total amount repayable of £1,290.36. Interest: £290.36. Interest rate: 49.9% p.a. Fixed*. 49.9% APR Representative. Rates between 9.9% APR and 1,295% APR.

We're a fully regulated and authorised credit broker and not a lender.

We work with over 50 lenders to help you find the best loan possible.
We never charge you for our service.

Instant loans can make your life easier especially if you find yourself in an emergency situation and have a poor credit history. Health issues, car repairs, or other such expenses can mean you need to get money quickly. That's where a loan with a quick approval rate comes in.

Here's all you need to know about instant loans. Keep in mind that instant does not mean guaranteed acceptance rate. That doesn't exist, and you're still going to need to submit an application for this type of loan.

What Is an Instant Loan?

Instant loans are a great solution when you can't wait for the usual loan application process. When you apply for a regular loan, it can sometimes take weeks for you to be approved and to receive your money, which might be a problem if you need money urgently.

With instant loans, you can have the money as quickly as the same day as your application or within 24h of it being approved. As mentioned above, instant loans don't come with a guaranteed approval rate.

The loan repayment period might also be shorter with an instant loan, so make sure you are able to pay back the loan before applying for one.

With short-term loans like instant loans, the maximum sums one can borrow tend to be smaller than those offered with standard loans. This is because of the shorter repayment period. That's why these loans are meant as a solution for emergency situations but should not be used as a long-term option.

How Can I Get Instant Loans?

You can apply online for an instant loan either with a direct lender or through a loan broker, or you can apply in-person. Online applications take less time though, as you don't need to leave the house.

The application form will usually ask for your personal information. This could be your monthly earnings and other debts, as well as confirm that you are over 18 and a resident of the UK. The company will also run a credit check with your application. Once you've been approved, the money will be transferred to you.

Looking for an instant loan?

We can connect you to a lender in minutes, even if you have bad credit.

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Can I Get an Instant Cash Loan With Bad Credit and No Guarantor?

The short answer here is yes, you can apply for a loan even if you have bad credit and no guarantor. Having bad credit doesn't immediately exclude you from receiving a loan, even though it might make it harder.

If you have bad credit, you might also not be eager to apply for a loan as a credit check can further damage your credit history. Loan brokers can be an option here. They only run credit checks once you've agreed on a lender. Thus saving you the need to undergo multiple credit checks.

That being said, bad credit can affect your chances of being approved for a loan, whether a payday loan or a different type. In these cases, you might want to look at guarantor loans or secured loans. If you don't have a guarantor, there are still options for you with no guarantor loans.

What Do You Need to Know About Fast Loans in the UK?

There are many reasons for wanting to apply for an instant loan and you are free to do with the money as you wish. Many people, however, apply for quick loans when they find themselves in an emergency situation. Urgent medical care, car repairs, or unexpected household bills are some common reasons.

During the application process, the applicant must prove that they will be able to pay back the loan. This can mean showing that you are currently in employment or own a business, for example, or using your property as collateral.

In terms of repaying the loan, it's important to ensure that you do this in a timely manner and meet all payment deadlines. If you don't, it will negatively affect your credit score and might even mean extra late payment fees.

If you cannot pay back your loan, you should get in touch with your lender or broker as they may be able to help out. There are no guarantees that they will be able to, however, so it's important to ensure you can pay the loan back.

Looking for an instant loan?

We can connect you to a lender in minutes, even if you have bad credit.

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What Does an Application for an Instant Loans Include?

When you apply for an instant loan, lenders will want to look at your personal information as well as financial history. This helps them consider your application. Even if you have bad credit, you can still apply.

Lenders must do a credit check for all applications. Some will perform a soft credit check. This doesn't negatively impact your credit score.

When applying for a loan you'll have to provide some information. This could be your banking and financial history. Also, any outstanding debts such as a mortgage. As well as your current employment situation and monthly salary. All of this helps lenders assess your application quickly. With fast loans, you could be approved and have the money within a few hours.

Final Thoughts...

Instant loans are a great option if you find yourself with some last-minute emergency expenses. You can submit the application online on your mobile phone even and have the cash quickly. Just make sure you can repay the loan before making an application. Defaulting on a loan can negatively impact your credit score.


Looking for an instant loan?

We can connect you to a lender in minutes, even if you have bad credit.

Apply Now