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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1st Class quick loans online in the UK

If you have found yourself in need of a quick loan due to a financial emergency, then we may be able to help. Most lenders can now complete their entire loan decision process online. So, if you have access to the internet and online banking, you could have the funds that you need in 10 minutes* or less.

However, before deciding if a quick payday loan is the right product for you, we want you to be fully informed and to consider if you really do need a fast loan?

To help you make the right decision, we will cover below some of the following frequently asked questions:

  • What constitutes as a quick loan?
  • Do I really need a fast loan?
  • Can I use a quick payday loan to make money?
  • Can I get a quick loan even if I have bad credit?
  • Do you provide quick loans with no credit check?

1. What constitutes as a quick loan in the UK?

A quick loan is a type of high-cost short-term borrowing, which is usually paid out within 10 minutes of completing the online application form. Quick loans may be used to cover financial emergencies, where the need for funds to be readily available is greater. There are also different types of quick loans that you can consider.

  • Quick guarantor loans – Customers tend to search for quick loans no guarantor, but if you are struggling to be accepted for a loan, then a quick guarantor loan may be the best solution for you. Applying through 1st Class Loans guarantees that we will always provide you with the best possible outcome for your circumstances. Therefore, if this a guarantor loan – you will automatically be matched to the best offer available to you.
  • Quick Personal Loans – Personal loans are loans from the amount of £500 - £30,000 and can be paid back over a 25-year period if needed. Some lenders can still pay out personal loans in 10 minutes, however; larger loan amounts may need to go through an underwriter first which could delay the pay-out if approved.

2. Do I really need a fast loan UK?

We always ask that you highly consider this question throughout our website, because we believe it is vital that you only get a fast loan if you really do need it.

Before making the commitment to a fast loan, have you considered other solutions first that could help bridge your financial need? Such as selling unwanted items on eBay, asking your friends and family to help, or even comparing the costs of charges incurred on extending your bank overdraft, if this is an available option to you. These might be cheaper alternatives than applying for a fast payday loan.

We always advise to only ever apply for a quick loan today as a last resort.

3. Can I use a quick Payday loan to make money?

The answer is yes – Have you ever thought of starting up your own business? Setting up a business is easier than ever today. Most people believe that a business loan is required to set up a business which means writing a detailed business plan, then present it to your bank hoping they’ll approve the loan – which no longer has to be the case.

If you are looking for a large amount of money to borrow then this still would be the best approach, but with the internet being so readily accessible in today’s world, you can easily set up an online business with next to nothing.

Here are some ideas you could use to start up your own new business:
  • Affiliate marketing – This is where you set up a website and sell other peoples products for them and receive a commission from the sales. This can be achieved with a very tight budget. You would need to approach an affiliate market, which can be found by a search in google. Think about your niche, then build a website – Once your website is approved you can then start marketing either by SEO, social media or PPC. Some marketing knowledge will be required, or you can pay a business that are experts in this field to do the marketing work for you.
  • Buy and sell on eBay – Everyone knows that buying and selling on eBay or other marketplaces is a quick way to make some cash. You simply need to set up your account and start promoting what you are selling.
  • Cleaning business – Buy some cleaning products and start promoting yourself on social media, such as Facebook. This requires more manual work from you but can be a great business.

These ideas can all be started from a fast payday loan from as little as £100 to £5,000. If you would like some more business ideas, please click to read this great article to help you get started. Be sure to do a lot of research before starting up your own business, to make sure that’s it the right thing for you to do. Also, check how much you will be repaying each month to make sure you can afford the repayments.

4. Can I get a quick loan if I have bad credit?

Yes – We are plugged into a pingtree, which means we can send your applications to 50+ lenders in seconds. Sending your application to 50+ quick loan direct lenders will increase your chances of getting an instant same day loan. For more information about quick loans for bad credit please visit our page.

5. Do you offer quick loans no credit check?

No website can offer quick loans with no credit checks. The reason being for this is that the lender needs to check your credit report to ascertain if providing the loan, will worsen any financial hardship. Your credit score is also a determining factor in the amount of interest that you will repay on your loan.

Applying through 1st Class Loans can be used to your benefit though, as we are plugged into a quick loan ping tree and as part of the application process, the award-winning software we use will only carry out what is called a soft credit search on you.

This won’t affect your credit score and is a way of the lenders checking if you meet certain lending criteria, allowing them to provisionally pre-approve your application. If you are pre-approved by a lender and agree to proceed with their offer, then the direct lender will carry out a full credit search on you before making their final decision. Please see our no credit check payday loans page for more information.

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