Step 1

Choose a loan that suits your needs from our list below.

Step 2

Follow the link and submit your application.

Step 3

Your loan can be transferred to your account within minutes!

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Lender
APR
Term
Max Loan
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Sonic Boom Loans
527%180 days (6 months)£10,000

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5minutemoney.co.uk
1,734%90 days (3 months)£5,000

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Loans Within a Min
527%60 days (2 months)£1,500

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Loan Rabbit
527%90 days (3 months)£1,000

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Pay Me Now Loans
1,734%31 days£1,000

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Sunny Loans
1,971.00%120 days (4 months)£1,000

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HoneyBee Loans
1,734%90 days (3 months)£1,000

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5minutemoney.co.uk
1,734%5 years£25,000

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5minutemoney.co.uk
53.9%3 years£25,000

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Elephant Loans
53.9%60 days (2 months)£2,500

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Not all lenders can pay within minutes and it will also depend on whether your bank can support faster payments.

 

Important Information About Short Term Loans

 

Before applying for a loan, we would like you to fully understand the process and the potential financial implications. Fees and interest charges vary by lender. The interest charged per £100 loan is typically between £25-£30 which reflects an APR ranging between 1737% to 4,214%. Some lenders may charge a transfer fee or processing fee, typically around £5 but variable by lender.

 

Implications of non-payment

 

If you cannot pay upon the agreed date the loan often the loan will be renewed issuing additional charges associated with extending your loan. If you find yourself unable to pay, call the lender immediately and sometimes they can accommodate with flexible terms.

 

Typically you will not be called, emailed or text messaged unless you do not pay the loan back on time. In this case, your lender or a collection agency working on its behalf, may contact you via phone and in some cases physically visit you to arrange repayment. Collectors are regulated by the Office of Fair trading and are not allowed to act in a threatening or harassing manner.

 

Renewals Policy

 

Loan renewals extend the terms of your loan. Renewal policies vary from lender to lender. Study the lender’s policy before signing the loan contract.

In most cases when extending a loan, The lender’s finance charge for the original loan must be paid on the original due date. Your loan principal will then be deferred until your following pay date along with an additional finance charge. However, we suggest you pay as much of your principal as possible on your original due date to reduce further charges.

 

Potential Impact To Your Credit Score

 

Some lenders use Credit Reference Agencies (CRA’s) to verify your identity and detail your credit circumstances for the application. This leaves a similar footprint as applying for a credit card or store card. Non-replayment may result in an adverse report to the CRA’s while an on time repayment can reflect a positive report to the CRA’s.
Cash in Minutes advises to borrow only the amount needed and repay on the agreed date. Additional fees can apply, and Cash in Minutes strongly advise that you make yourself aware of each lenders fees when you are taking out a loan.

 

1734% Representative APR example: Borrow £50 for 30 days. The total charge for credit is £14.75. Interest is fixed at a rate of £14.75 per £50 loan. The Total Repayable is £64.75.

 

*Charges vary depending on lender. Deposit times vary as well, while some lenders guarantee 10 minute deposit it may take up to 48 hours if accepted, depending on your bank and lender. Faster funding may involve a fee which will be presented to you when you apply. Usually, if your loan is approved by 14:30 you can still receive funds same day. In line with responsible lending practices, short term loans should be used as a short term cash emergency solution and not a long term loan.

 

HoneyBee Loans
5minutemoney.co.uk
Sonic Boom Loans
5minutemoney.co.uk
Loan Rabbit
5minutemoney.co.uk
Pay Me Now Loans
Sunny Loans
Elephant Loans

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