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Borrow from £50 to £25,000*

Complete our simple 60 second application form to get the loan you want today.



N Online Decision
Borrow Up To £995
N All Reputable Lenders
N 3-36 Month Repayment
Rates from 278% to 1576%



N Instant Decision
N Borrow Up To £25K
60 Second Application
N 3-36 Monthly Repayments
Rates from just 4.7% to 278%


Rates from 4.5% APRC to 65.2% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years
TYPICAL 10.9% APRC variable
Calls may be recorded for training purposes. The third party lender or broker may charge a fee of 0% up to 15% on your loan.

How Will My Application Work?

Secure Payout

Our secure technology platform will present your application to a panel of lenders, to help find the best loan, for your personal situation.

Paid Into Your Account

Once your application has been accepted by one of our lenders, you could receive payment within 24 hours.

Credit Problems*

Whether you have a bad credit history or simply no credit at all we are able to help. Apply today and let us help.

How Do I Apply?

Bank Loans in the UK: Finding the Best Loan Solutions

Although bank loans are not the oldest types of loans, these kinds of loan services have long been considered the standard and often the most coveted. But because of the incontrollable and consistent increase and the demands for loans and other loan services throughout the years, the consequent proliferation of borrowers with unpaid debts has prompted traditional lending firms and institutions to come up with a credit scoring system specifically designed to address such problems. Under this credit scoring system, lending institutions and firms have the power to easily classify borrowers according to their finances. Those whom they believed were unlikely to be financially capable of paying off their loans in the future were automatically segregated from those whom they deemed likely capable of paying off their debts with little to no problem at all. With this credit scoring system in place, individuals who earn less than what the lending institutions have prescribed as the acceptable minimum were given poor credit scores, while the borrowers who either repeatedly or frequently missed out on their payments — regardless of their reason — found their financial records indicate their bad payment histories. As a consequence, borrowers with poor credit scores and bad payment histories found themselves automatically precluded from acquiring any more loans from any of the standard lending firms. But though this credit scoring system proved to be of great help to the lending firms, it has been proven to have long-term, harmful effects to the borrowers’ finances.

Because borrowers with bad credit were no longer allowed to take any more loans from any of the legitimate lending institutions, they were often left with very few, uncomfortable, impractical, and sometimes downright unacceptable financial alternatives. Since borrowing from friends and family as well as selling off properties to raise money may not always be plausible nor are they always easy, borrowers with poor credit often find themselves settling with underground loan services from illegally operating lenders. And while this option does provide them the much needed short-term financial relief that they seek, the long-term repercussions associated with these loan services leave borrowers in even worse financial situations. Because that underground loans come in exceedingly high interest rates, borrowers often find themselves in a never-ending cycle of difficult financial challenges — where paying off loans and keeping up with living expenses become the greatest struggles.

why choose bank loans

Getting Bank Loans for Bad Credit

As more and more borrowers with poor credit found themselves in similar cycles of never-ending financial predicaments, it was only a matter of time until an entire new market comprised entirely of borrowers with bad credit scores and poor payment history was created. And as demands for better, more flexible, more affordable, and safer loan services continued to surge in this newly created market, lending institutions and firms later on came up with innovative new financial solutions. With innovative loan services for bad credit, unlike bank loans, borrowers have easy access to better, more flexible and affordable, and so much safer loan alternatives especially when faced with imminent and urgent financial circumstances. And unlike most applications for many of the conventional loans such as bank loans that are generally being offered by a majority of the traditional lending firms and institutions, application procedures for innovative new loan services for bad credit no longer involve waiting for long hours in long lines just to submit applications, nor do they entail even longer waiting when it comes to the approvals as well as the subsequent release of approved loans’ funds. With innovative loan solutions, unlike bank loans, borrowers need not have to submit impossibly hard to procure requirements.

How to Get Bank Loans and Instant Loans for Bad Credit

With the latest advancements in both technology as well as security, and the ongoing evolution of the lending industry, borrowers now have much faster and more convenient loan options to rely on especially in urgent situations. Through innovative loan services like instant loans for bad credit, unlike bank loans, borrowers may now easily submit their loan applications — even right straight out of the comfort of their own homes. Because loan applications can now be accomplished entirely online, borrowers now enjoy the convenience of being able to submit their loan applications from anywhere, and at any given time. And since everything can now be completed over the internet, loan applications are now processed as soon as they are submitted. Their approvals, meanwhile, can now be as early as just mere minutes after their processing is completed. Unlike bank loans, the release of approved instant loans” can now be completed in as early as the same day that the loan application was submitted. These convenient features of innovative loan services, which set them apart from bank loans, actually make them great resolutions to urgent financial situations. But since instant loans are typically small loans that borrowers can pay over in short payment terms, these loan services do not make good options in addressing more complicated financial conditions, unlike bank loans. In situations that require loans in much bigger amounts and longer payment terms, borrowers will always be better off with secured loan options, which, like bank loans, borrowers can repay over in a lot longer payment terms.

Getting Bank Loans and Loans from Direct Lenders

For many borrowers, the most common misbelief is that since getting loans from the lenders directly do not involve payment of loan brokers’ fees, this loan option allows borrowers to reap more benefits in the long term. Many borrowers fail to see, however, that since loan brokers bank on their network of connections to lenders across different areas to maintain their business, it also follows that they have comprehensive access to all these lenders’ discounted services. Because of this, borrowers who opt to secure loan services through loan brokers’ assistance actually enjoy a lot more savings and much more benefits. And since loan brokers provide them with expert financial assistance, borrowers are ensured the best loan solutions according to their unique financial situations.

why choose bank loans


*Subject to lender approval and requirements.

Complaint Procedure 

What Happens If I lie On My Application?

This has happened before and for obvious reasons this isn’t good practise and will never end up in you getting the loan you want. Please be aware by lying you will only be wasting your time and that of the lenders as they have control measures in place to stop such a thing and will always check your application to the best of their ability.

Lying on your declaration and receiving money from the lender, can be and will be, classed as fraud. The relevant legal proceedings will then be taken to recoup the funds.

5 most recent personal loan reviews

Review of Payday Express

Was asked to be a guarantor, filled in application online - was very quick and easy. I had phone call to confirm job done loan transferred immediately into bank and customer service was excellent, would use again if needed.

Review posted by Susan Wilson, Banbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of 1st Stop Loans

I still cannot believe how quick the process was & how fast the pay out was! The customer service I received was second to none & couldn't have been treated any better or honestly than I indeed was!

Review posted by Mattew Hayre, Stock-on-Trent

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Progressive Money

I would recommend this company if your struggling to get a loan, definitely if your unemployed, really pleasant and helpful. Will apply here in the future if I ever need another loan.

Review posted by Angela Jones, Chatteris

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

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