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Warning: Late repayment can cause you serious money problems. For help and advice go to - 1269.7.0% APR Representative

1269.7% APR Representative: Borrow £200 for 30 days you would repay a single payment of £248.00. Interest is 292% per annum (fixed).


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Instalment Loans offer online instalment loans from £100 to £1,000, with repayment periods from 3 to 18 months. Money can be in your account in as little as ten minutes from the lender's final approval. Get your loan offer under no obligation and get your loan, your way, today.

What is an instalment loan?
An instalment loan is similar to an unsecured personal loan or a secured mortgage. The lender provides the applicant with an agreed amount of money, with interest added on top that the borrower repays over a set amount of time. Any loan repaid over time with a set number of scheduled payments – typically at least two - is an instalment loan. Repayment terms can be as little as a few months, or for mortgages, up to 35 years. Instalment loans may be secured (against property or a vehicle for example) or unsecured (just like a personal loan from your bank, building society or credit union).

In the UK, instalment loans are strongly associated with traditional consumer loans that offer customers access to instant cash, online or on the High Street. These loans provide a safe, secure and reliable source of credit, and are often more accessible to people with a poor or no credit history, than bank loans and other traditional forms of borrowing like credit cards or catalogues. Instalment loans are also considered to be a better choice of other shorter term and logbook loans, and can help people to manage their money more effectively.

Instalment loans are different from single payment loans and flexible credit facilities, as they are typically repaid over longer periods, meaning lenders have the ability to borrow larger sums. These loans come with lower interest rates than short term loans, making them more appealing to people looking to get a good deal on their loan.

However, as instalment loans are designed to help people who need access to instant cash, or people with bad credit, they may come with higher than average interest rates compared to mainstream lenders like banks. Repayment terms, loan amount granted and interest charged is also impacted by a number of things; such as the lender’s own criteria, the loan amount, and the borrower’s current circumstances. You should always make sure you read any loan agreement carefully before you agree to it to ensure the loan is affordable and that the repayments are manageable for your monthly budget.

As a safeguard with, by completing our loan offer form, you get to see all the details of any loan offered to you, without being under any obligation to proceed. This way, you stay in control and what's more, it gives you peace of mind.

How do I apply?

We have made the whole process of applying for a loan very easy - and with no paperwork to fill out. Just click the ‘Start Here’ button and then fill out our simple online application form, it only take a couple of minutes and you will get an instant decision.

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Frequently Asked Questions

  • Am I eligible to get a loan?
    Loans will be available if you: Are at least 18 years old, live in the UK, are employed and receive a regular salary, have a valid bank account that accepts direct deposits.
  • Do I need a bank account?
    Yes you do. Using our online application process you can apply for a loan any time of day, seven days a week. Many lenders we work with are open outside bank hours and will often provide your approval and funds over the weekend.
  • Do I need to be a homeowner?
    No, your residential status does not prevent you from applying for a short term loan.
  • How long can I borrow for?
    Short term loans are typically for one month. Instalment loans are available for longer periods, up to one year.
  • How much can I borrow?
    Using this site you can borrow up to £1000
  • How soon could my loan be paid?
    Usually loans are paid same day and often within the same hour as the lender approves it. Some loans can be paid over the weekend also, but not in every case.
  • Is FCA Authorised?
    Yes, we are fully authorised and regulated by the Financial Conduct Authority. Information about this can be found at the bottom of this page.
  • Is my personal data secure?
    Yes, our applications forms use secure certificates ensuring that all data is transmitted with encryption.
  • What if I have past credit problems?

    It depends on what these are and when they were. Each lender operates varying accepting criteria. Our extended panel of lenders gives you the best chance of finding a lender who will accept your circumstances. In all cases if you are having difficulties at the time of application you should seek advice before requesting further credit.

    Representative 1270.0% APR.

  • Are there any hidden fees?
    Our service is free to use service, giving you access to a wide range of lenders. We do not charge any fee to you, the consumer.