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Instant Loans[edit]

Instant loans have become increasingly popular across the UK recently, bridging the gap until payday. They're a quick source of cash for those looking to borrow small amounts, but often have a higher APR compared to more traditional loans. Instant cash loans are easy to apply for, often online, and can sometimes be approved within minutes with no credit checks - helping you out today. To get the best deal, you will need to take your credit history into account, since any instances of bad credit, County Court Judgements (CCJs) or other problems like defaults on previous loans or being unemployed can make it hard to get unsecured, instant decision loans. This table lists all the instant loans in the UK, you can browse by review or APR, or narrow your search using one of our popular league tables:
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What is an instant loan?

An instant loan is a loan that is transferred into your bank account as soon as they have received your loan agreement and accepted your loan. Instant loans usually have a rather high interest rate compared to other loans.

The only examples of instant loans that have a low interest rate are a couple of banks that require you to hold an account with them. Holding an account with them means they can transfer the money very quickly into your account.

The most common form of an instant loan is a bad credit payday loan. They are small, short term loans, usually until your next payday, with high interest rates. The high interest rate is not very representative of the cost of the loan as they only charge a certain amount per £100 borrowed.

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Types of companies that offer fast cash loans

First Direct – as you have to be a customer with First Direct to apply for a loan, they are able to transfer the loan instantly into your account.

Lloyds – you have to be an existing customer to apply for a loan with them, so again, they are able to transfer the loan instantly into your account (except for if you aren't an existing customer applying for the graduate loan).

FLM – the only guarantor lender who will transfer the money instantly into your account as soon as they receive yours and your guarantors' signed credit agreements.

Payday lenders – some payday lenders have the capability to transfer the money instantly into your account once you have signed the loan agreement.

Text loans – once you have signed up with the service and used it once, all you have to do is send a text and your instant loan will be transferred into your account.

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Which companies offer instant loans?

See all Instant Loans

Example Loans:

TxtLoan

4474%APR

First Direct

6.8%APR

FLM Quick

199%APR

Wonga

4214%APR

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Loanpages.co.uk is a free to use comparison site. It's important to remember that the rates displayed on our website are representative. The actual APR will depend on the lender, the loan amount and the borrower's credit circumstances. Whilst we work with a number of lenders, we never let any money we get paid affect the information that's on our site.

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