Apply for Instant Loans
We are an online loan broker that provides a free, fast, and easy application form. You will need to complete our 5 minute application form.
Once this is completed you will be provided instant results from multiple lenders that are happy to lend you cash. Then you will sign the agreement of your choice before having cash quickly deposited in your bank account.
Quick Cash – 15 Minutes*
If you need quick cash, then our instant loans are the right choice for you. The online form takes 5 minutes to complete, the results are instant, and cash deposited every 15 minutes.
So if you’re in an emergency, or just don’t want the fuss of walking to your local branch – we can help. There’s no better way to guarantee the best interest rates instantly than our free to use application form.
Do all UK Direct Lenders provide 15 minute loans?
The majority of direct lenders provide 15 minute loans especially if you have a bank account that can accept faster payments. All direct lenders try to aim for your loan to be transferred in 15 minutes, although sometimes this is not always the case due to individuals that may need to go through further checks. If you are accepted for a loan and your bank also accepts faster payments there is no reason why your loan can not be transferred by the direct lender straight into your bank account within this time.
When you are applying for a loan online, most direct lenders will provide you with an instant decision. After you have submitted your online loan application a number a background checks will take place to assess your eligibility and affordability. These checks consist of employment and address checks as well as any potential marks against your credit file such as bankruptcy or insolvency. There are a number of instant loans direct lenders due to the incredibly quick online application form and automated checks that can give you a decision within minutes.
Although all direct lenders will provide an instant decision, not all lenders will welcome all credit histories. For example for individuals that have a bad credit history, some lenders may choose to reject your application because of the added risk that you posses. That doesn't mean to say that all lenders will reject your application based on your credit history, however some lenders may offer slightly increased interest rates and APR.
Many UK direct lenders provide loans with no guarantor needed, although this may affect the total amount that you can borrow.
How can i get my loan in 15 minutes?
In order to get your loan as quick as possible it is important that you answer all questions in our online questionnaire and provide us with an much information as possible. Our online application form only takes 5 minutes to complete. If you leave any questions unanswered, this will simply slow down the process. If you have fully completed our application form this will help to speed up the process. If your application is accepted, your direct lender will aim to have your loan transferred within 15 minutes. However this is still dependent on your bank accepting faster payments. Applying for loans without a credit check is also an extremely fast way to apply for a loan, however not many direct lenders actually offer them.
Representative Example and APR
Wondering how your loan will break down month by month? The example below is based on our standard rates, and should give you an indication of how much your intended borrowing will cost. The rates shown here are for illustrative purposes only. Loans are issued on a case by case basis, according to the applicant's own financial situation. You may find that your interest rate differs from that shown, and your monthly payments will vary according to the amount borrowed and the length of the loan's term.
Our typical interest rate on loans for people on benefits is 93.6% APR.
If you borrow £1,000 at this rate over one year, you would pay back £117.06 each month. The total cost of the loan would be £1,404.72, including interest.
Borrowing the same amount over five years would cost £58.76 per month, for a total of £3,525.60.
Remember, this is just an example. For a full breakdown of your own tailored loan agreement, use our online application form or speak to one of our friendly, helpful advisors. We are here to help you get the right personal loan for your needs, based on your own individual circumstances.
I need my loan fast, will this affect how much I can borrow?
No, the majority of online direct lenders will provide you with an instant decision regardless of the amount that you are applying for. If approved your loan will be transferred to your account within 15 minutes subject to your bank being able to process faster payments (which many of them can).
Instant Loans for Students
Whilst instant loans are great for everyone, we have a lot of students that need quick cash. If your student finance has not entered your account but you need to pay rent – we can help. Student payday loans should only be used on a short term basis and not as a method to repay your student loan or tuition fees.
Simply fill out our online application form and you will be provided with fast results from lenders. Then you can choose which agreement is best for you. Once you’ve signed the cash will be in your account in less than 15 minutes.
Please note that the maximum loan we offer is £2000 over 90 days. If you’re looking to pay tuition fees then we recommend using Student Finance.
When will i receive my loan?
We will provide you with an instant loan decision, if successful our lenders will transfer the cash to you on the very same day, sometimes within 15 minutes. However this is all dependent on your bank accepting faster payments.