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
We are on the FCA register please see here
We never charge any fees,
our service is 100% free
Bad Credit Welcome
Guaranteed the best rates to your
circumstances from 50+ lenders
If approved, the money could be
in your account the same day
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?
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.
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.
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.
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.
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.
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.