LOANS UP TO Â£50001
Â All credit ratings can apply
Â Quick Decision
Â Single page application
Representative APR 49.9%
Representative Example: Borrow Â£2000 over 12 months, repaying Â£206.12 per month, total repayable Â£2,473.44. Interest rate: 49.9% APR (variable)
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
We’re a licensed credit broker not a lender.
1. Subject to application being approved by the lender. Not all lenders are able to provide up to Â£5000.
Mini loans made easy
We’re a broker not a lender. Once you fill out our application form we will search our panel to try and find you a loan, this normally takes about 2 minutes. If we find you a loan, we will redirect you to the lender for you to get your cash. We do not work with every lender in the UK so it is possible that you could find a better loan yourself. If we are not able to find you a loan we may refer you to a different solution like debt help or credit score companies which could help improve your financial position.
How it works
Apply using our secure online form
We will process your application within a couple of minutes
If approved you get your loan
Donât borrow money if you canât pay it back
You should only borrow money if you are certain you can pay it back in full and on time. If you are struggling with your money commitments, then please DONâT borrow more. If you have existing loans that you cannot afford to repay, get in contact with your lender and discuss the situation immediately. You can also seek help fromÂ moneyadviceservice.org.uk
A short-term option
If you are unable to pay on time, each lender has their own policies with regards to fees and interest, and how they collect outstanding debts. Some lenders may pursue you by legal means in the event of repeated non-payment. Most will contact you by phone or letter in order to rearrange payment. Non-payment may result in charges and/or raised interest and may affect your credit score. Please read the charges section of the lenders website before finalising your loan.
Paying back your loan
Most Lenders will use the card details you provide to collect your repayments. You may be asked to set up a direct debit to make your repayments. If they have been unable to collect your repayment on the date its due then most lenders will contact you by phone, letter and/or email in order to rearrange payment. Non-payment may result in charges and/or raised interest and may affect your credit score. Continued non-payment may result in your debt being passed to a collection agency, which would add further charges.
Rolling over your loan
If you take out a loan and canât afford the repayment, you may wish to rollover your loan. Doing this will incur you further charges including additional interest and possibly a fixed charge for missing the original repayment date. Due to these additional charges, the total amount owed can inflate to an unmanageable amount with you quickly losing control of how much you owe. Short-term loans should be used as a short term option only.
As part of the new FCA regulations, you can only roll your loan over twice, so it is important that should you find yourself struggling to pay back your loan on the pre-arranged date that you speak to the lender and explain your circumstances.
What happens if you are struggling with your payments?
If youâre struggling to pay back your loan, the worst thing you can do is ignore the problem. Get in contact with your lender as soon as possible to arrange a solution that works for both you and them. Itâs worth remembering that you shouldnât apply for a loan if you think you may not be able to repay it in full and on time.