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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?

Low Cost Loans in the UK: Getting the Best Loan Solutions

With the ever-rising demands for loans as well as other loan services, as well as the consequent alarming surge in the number of borrowers with unpaid debts, traditional lending institutions and firms have decided to come up with a credit scoring system that was developed and designed specifically to address these problems. Under this credit scoring system, lending institutions were given the ability to easily classify borrowers according to their finances. Individuals and other borrowers who hoped to secure loans but had income levels that did not satisfy the lending institutions’ prescribed minimum were automatically given poor credit scores, while borrowers who missed their recurring payments either frequently or repeatedly were consequently given records that reflected their bad payment history. With this credit scoring system in place, borrowers whom the lending firms believed to be incapable of repaying their loans were easily segregated from the borrowers whom they think may likely be capable of paying off their loans without any problem in the future. This credit scoring system proved to be highly helpful to the lending firms, but its long term effects to the borrowers’ finances were proven to be extremely harmful, especially in the long term.

Because borrowers with bad payment histories and poor credit scores were no longer allowed to acquire any more loans from any of the legitimate lending firms, they were often left to choose from very few, undesirable, impractical, and oftentimes simply impossible alternatives when faced with urgent financial crises. Although selling off personal properties as well as borrowing from friends and family seem like the easiest ways to address pressing financial situations, they do not always make the most plausible or the easiest options. Due to this, a lot of borrowers were left to settle with having to secure underground loan services from illegally lending individuals and firms. But while these types of loan solutions do provide borrowers with instant financial alleviation, the long term repercussions associated with these loans often leave many in even worse difficult financial situations. Because underground loans charge excessively high interest rates, many borrowers often found difficulty in keeping up with their financial responsibilities. As a result, many were often left in a never-ending cycle of financial predicaments, which caused them even more problems.

why choose low cost loans

Getting Low Cost Loans for Bad Credit

With the growing number of borrowers with bad credit who found themselves in similar perpetuated difficult financial circumstances, a new market composed entirely of borrowers with bad payment histories and poor credit scores was eventually, and inevitably, created. And as demands for better, more flexible, more affordable, and safer loan services continued to increase in this newly created market, lending firms and institutions have later on came up with innovative new loan solutions in an effort to help address these loan-related problems. Through innovative new financial services such as low cost loans for bad credit, borrowers finally have better and more reliable options in addressing urgent financial situations. Unlike application procedures for many of the conventional loans that are being offered by standard lending firms, applications for innovative loan services like low cost loans for bad credit do not involve waiting in long lines for many hours just to submit applications, nor do they entail even longer waiting when it comes to the loans’ approvals and subsequent release of funds. With low cost loans for bad credit as well as other innovative new financial services, borrowers need not have to submit impossibly difficult to secure requirements, which means applications are a lot more convenient.

How to Get Low Cost Loans and Instant Loans for Bad Credit

With the latest developments in technology and security, as well as the unceasing evolution of the lending industry, borrowers are finally given quick access to more convenient and faster loan services which they can rely on in times of urgent financial crises. Through low cost loans as well as other similar innovative new loan solutions, borrowers now have the option to submit their loan applications from the convenience of their very own homes. And since everything can now be done entirely online, borrowers can now submit their loan applications from anywhere, anytime. Because applications for low cost loans and instant loans for bad credit can now be accomplished entirely over the internet, borrowers can now expect for their loan applications to be processed as soon as they have been submitted. As a consequence, approvals for loan services like low cost loans and instant loans for bad credit can now be accomplished in as little as mere minutes after their applications were processed. The release of funds for approved low cost loans, on the other hand, may now be completed in as little as just hours after the applications have been submitted.

Because of these highly useful features of low cost loans and instant loans, as well as other similar innovative new loan solutions, these financial services make great alternatives in addressing urgent financial crises. But since low cost loans and instant loans are normally small loans that are generally to be repaid over short payment terms, these loan services actually do not make good resolutions in addressing complex financial conditions. To effectively address more complicated financial situations that require loans in higher amounts and longer payment terms, borrowers are better off procuring secured loan options, which they can easily repay over much longer payment terms.

Getting Low Cost Loans from Direct Lenders

A common misbelief among many borrowers is that because borrowing from the lenders directly means not having to pay for loan brokers’ fees, it also follows that through this, they enjoy more savings and benefits in the long term. What a lot of borrowers fail to see, however, is the fact that because loan brokers have connections to many lenders in different areas, they consequently have unrestricted access to all their discounted loan services. Because of this, borrowers who choose to secure loan services with the help of loan brokers actually reap more benefits and enjoy far more savings in the long term.

why choose low cost 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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