WARNING: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Please note: We are a broker, not a lender, and do not make credit decisions.

Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

Subject to application being approved by the lender. Not all lenders are able to provide up to £5000

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Easy Loans UK

Every now and then, people run into problems that require money to solve. Often, these problems rear their ugly heads when you’re low on cash and waiting for the next payday. It hits urgently, requiring you to seek an immediate fallback.

Easy loans UK come with varying names and packages. They’re often short term loans online and quick cash loans that you can access within a few hours and repay within 3 months and 3 years. They also include payday loans that you repay on the next payday or across a couple of paydays.

The method of applying for these loans is completely online allowing lenders to process your application within a few minutes to hours and either or reject it. This means that you will get an instant response in a few minutes to hours. And if you get approved, the funds can be with you within 10 minutes, depending on a few variables. To get started and apply for a very bad credit loan without guarantor follow the link.

Getting approval for the traditional secured or unsecured personal loans will demand that you have a good credit rating. Even though some lenders consider bad credit, you’ll often hit brick walls or very high APR. Plus, you may not want to borrow for such long terms just to fix a broken pipe or change a tire.

Top Easy Loans UK Lenders

Easy quick loans make it possible for you to take a little amount in order to fix a real time emergency. You don’t have to put up with single repayment payday loans, which can be quite expensive anyway.

You can get easy loans online even with bad credit. Most lenders today understand that bad credit doesn’t always mean you are not capable of repaying a small loan. What you need is to demonstrate that you can pay the required installments and that you have a steady source of income.

It’s important for you to know that there are a lot of unapproved easy loan UK lenders. Taking a loan from an unapproved lender poses a lot of danger for you. You may be overcharged for the loan or receive threats if you default in repayment. Look out for signs that show a lender to be approved. You can check the FCA register to verify their authenticity. You can get £100, £200 & £500 Pound PayDay Loans right here today.

Instant Approval Easy Loans UK Lenders

Cashfloat Payday Loans

Cashfloat offers easy-to-manage payday loans through an online platform that processes your application within 90 minutes. You can get a loan, with bad credit, if you can demonstrate that you have the ability to pay back within the installment period.

With Cashfloat, borrowers can take between £400 and £1,500 with a repayment period of 3 months to 6 months. Their Easy Start feature gives you a chance to repay gradually; pay less on the first month and get an extra repayment month without any charges.

This direct lender is approved by FCA and operates by the financial regulation of the UK. You must be 18 and above, with a proven work and income history. They accept bad credit and you don’t even need a guarantor to apply here.

Swift Money Short Term Loans

Swift Money offers instant loans up to £3,500 to credible persons without charging fees for their services. Even if you have bad credit, you can access short term loans online, like payday loans, and repay within 6 weeks and 12 weeks.

Your application will be processed within minutes and you will receive mostly an instant response. If your application is approved, you can get your funds within 10 minutes. Every aspect of the process is online, giving you the flexibility of accessing funds from your home.

Swift Money is a broker registered and regulated by FCA. They partner with a number of lenders to provide you with credit. When you apply on their platform, the system runs through your application to match you up with a lender. In most cases, your application will be approved.

Quick Loans

Get quick unsecured loans and bad credit loans online with Quick Loans. The process on their platform will take about 2 minutes for your application to be approved or declined. You won’t be charged any fees and your funds will be in your account within 15 minutes of loan approval.

Quick Loans offer up to £10,000 unsecured loan which can be repaid within 3 years in convenient installments. The process is conducted completely online, so you don’t have to bother about all the paper. Fill the form on the platform and wait for the response.

This is a broker; they are no longer a direct lender. Their activities are regulated by the FCA which makes it safe for borrowers to deal with them.

New Horizons Instant Loans

If you’re looking to get approved for a loan as small as £50 instantly, New Horizons is the place to go. You can apply for a loan between £50 and £5,000 which you then repay in 3 months and up to 3 years. The process is entirely online and response is within minutes.

Upon application, the system searches and matches you up to the lender with the best rate for you. Bad credit does not mean you won’t be considered. Most of the lenders on the platform consider persons with bad credit and the decision is instant. If you get approved, you’ll have the funds in 15 minutes.

New Horizons is a broker whose activities are regulated by the FCA. They offer loans like payday loans, easy loans, small loans, etc.

CashLady Quick Loans

Cashlady offers instant loans to borrowers in the form of quick loans and payday loans. Applications submitted on CashLady are processed within minutes so that customers have a response immediately. You can apply with bad credit too; you’ll get the best rates for your circumstance after your application has been processed with over 40 lenders.

You can borrow between £100 and £5,000 through CashLady with a repayment period of 3 months and up to 36 months. There are no upfront fees and you can get funds within the hour if your application is approved.

CashLady operates within the regulations of the FCA; they are brokers, not direct lenders. While your information is safe on their platform, they’ll share it with lenders whose offers match your request for assessment.

Drafty Line of Credit

An easy loan can also come as a line of credit. Drafty Line of Credit makes it easy for you to access funds when you need it and only pay back what you use. When your application is approved by Drafty, they’ll set up an account for you and fund it. You only need to take the amount you need to use per time; that’s what they’ll charge you for.

Taking a Line of Credit can be cheaper than a payday loan. It’s also more flexible. Drafty doesn’t require a guarantor from you. Plus you’ll get a response in a few minutes, often less than 90 minutes.

Drafty is registered and regulated by the FCA. They won’t share your details with a third party and they provide the line of credit directly.

LuckyLoans Short Term Loans

Applications with LuckyLoans take a few minutes to complete. You can apply for £50 and up to £25,000 which are repayable within 36 months. You can take a short term loan, against payday loans, to give yourself ample time to repay the debt.

Decisions are instant from their panel of lenders. Approved applications will receive funding in 15 minutes. You can apply with bad credit, your request will be processed as well. LuckLoans liaises with lenders who offer bad credit loans as well.

LuckLoans is a responsible broker that is regulated by the FCA. This means that they’ll match your application to lenders with suitable offers.

Buffa Easy Loans

Buffa Easy Loans offers customers £100 to £1,000 to be repaid within 6 months of installments. The system is fast, giving you a response within a few minutes so that you know if your application is accepted, rejected, or going through further scrutiny. Funds will be with you in less than 10 minutes, once the process is complete.

Buffa thrives on keeping an open transaction. This means that you won’t have to deal with hidden charges including loan arrangement fees and late repayment fees. You can also choose the repayment plan that suits you most. You’ll get a consideration with bad credit as well.

Buffa is a direct lender so there’s no need to deal with third parties. They are also a responsible lender registered with the FCA.

MoneyLine Loans

Begin your online loans application to MoneyLine and receive a call to complete the process. The process is easy and approval is not based on your credit score. They offer you flexible options for repayment, plus you don’t have to pay any extra fees.

MoneyLine allows you to borrow between £100 and £500, which you repay within 32 weeks of monthly or weekly installments. Their rates are relatively low and there are no hidden charges.

MoneyLine is registered and regulated by the FCA. They also offer other services in financial management services to their old and new members.

Satsuma Loans

Satsuma offers a range of easy loan services including quick loans, short term loans, same day loans, bad credit loans, and payday loans. Their interest is relatively high but they offer other forms of flexibility. For example, you won’t be charged any fees for late repayment and you can extend your repayment term without penalties. However, you have to speak with the lender if you have issues with repayment.

You’ll get a quick decision on loans that are between £100 and £1,000. You can choose to repay monthly or weekly as well. Loans are arranged to suit your needs and what you can afford.

Satsuma is a registered direct lender and regulated by the FCA. They are also a team of responsible lenders.

Frequently Asked Questions

What is the eligibility criteria for easy loans?

The general eligibility criteria for easy loans include being a working, UK-resident citizen that is 18 years or more. You will also need an active bank account where you can receive direct debits. Other criteria will depend on the lender. For example, some lenders will require that you have not been declared bankrupt recently or have a Debt Relief Order.

Can I get an easy loan without a credit check?

Loans without credit checks are tempting offers. But only irresponsible lenders offer loans without checks, and that is risky. Registered lenders will run a credit check on your information to be sure that you can afford the loan you want to take.

What happens when I can’t repay my loan?

The first thing you should when you can’t repay your loan is to reach out to your lender. If you applied through a broker, reach out to them. You can always work together with your lender to replan your repayment scheme to suit your situation. You can also avoid paying any penalty fees when you carry them along.

Why is my interest rate high?

Interest rates for most easy loans are high because the loan amount is low and the repayment term is usually short. It’s often easier to focus on the amount you have to repay rather than the interest your lender is quoting.

Why are lenders declining my application?

The reasons lenders are declining your application may be that there are errors on your application forms or something is wrong on your credit file. You can verify the information you’re sending out to lenders or check your credit report to fix any underlying issues.

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