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Apply To Borrow from £100 to £25,000*
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  • Fast Payout
  • No Fees
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  • Bad Credit


  • N Instant Decision
  • N 60-Second Application Form
  • N From £1,000 to £25,000
  • N Rates from 5.7% APR to 278% APR*
  • N 3-36 month repayment


  • N Online decision
  • N Responsible lenders
  • N Apply to borrow up to £3000*
  • N Rates From 278% APR – 1576% APR*
  • N 3-12 month repayment

Emergency Loans When You Need It

Loans are beneficial when you need extra cash to pay for unexpected bills, car repairs, or when you just need to make ends meet. But before you acquire one, you’ll have to submit a few requirements to check your creditworthiness. In this guide, you’ll find out the basic things you need to provide the lender to get an advance.

Requirements To Get A Loan

Every lender has its own criteria but basically, these are what most lenders require:

Eligibility Criteria

  • Must be over 18 or 21 years of age

  • Must be a citizen or permanent resident of the United States

  • Must have an active bank account

  • Must have a regular source of income

Required Documents

  • Personal information such as your full name, contact details, birth date, Social Security Number, and valid IDs

  • Bank account information

  • Employment information such as your employer’s name, contact details, length of your employment

Minimum Requirements

  • Annual Income

Typically £20,000 or over

  • Credit History

Lenders will use your credit history to determine your creditworthiness; if you don’t have a credit record, you’ll need to find a loan provider who will handle your case

  • Credit Rating

Borrowers with a good credit rating have a higher chance to get their loan approved; if you have bad credit, you may still find a lender who will accept your loan application

  • Debt-To-Income Ratio

Borrowers who have a ratio of 45% or less are more likely to be accepted when getting a loan

What You Need To Do Before You Apply

Before even submitting a loan application, there are a few things that you need to do first, aside from preparing your requirements.

  • First, decide how much money you need and what you can afford.

  • Second, check your credit remark to know where you stand and what loan will suit you.

  • Third, find the right lender who will accommodate your needs and prerequisites.

Do you need money for your education, sudden expenses, car, and other purposes? Don’t worry, you’re not alone. There are over thousands of borrowers in the UK alone and the good news is, there are enough lenders to cater. So if  you’re looking for a loan, here are some of the places you can go:


  • Local Banks

Banks are the primary source of loan and they often offer the cheapest rates. However, they have strict requirements and when you have a poor credit remark, they will automatically turn your application down.

  • Credit Unions

Credit unions almost work like banks; in fact, it has become an alternative for those who have been rejected by banks. However, it has lower interest rates compared to banks plus, it offers greater flexibility when it comes to making loans.

  • Online Loan Providers

When you need fast and easy loans, an online loan provider is one of your best options. You can get the advance you need anytime, anywhere you want as long as you meet the lender’s criteria. However, the interest rate they provide is more expensive compared to traditional lenders.

  • Peer-To-Peer Loans (P2P)

Peer-to-peer loans is another kind of online loan provider but instead of getting money from banks or private lenders, you are borrowing from individuals. The loans they offer are more flexible and it can cater to almost all kinds of borrowers. In addition, the interest rates charged are very reasonable.

  • Cash Advances

In case you have an emergency and you need money asap, one of your options is your credit card. Simply take to an ATM, request for a cash advance, and you can have the cash you need in an instant. However, like other fast loans, the interest rate is too expensive.

  • Payday Lenders


Most payday lenders are found online and like other loan providers over the Internet, their service is fast and simple. Most payday loan providers can even give you the money in as fast as one hour. Just be careful though and use it only as your last resort because the interest rate is too high, it may lead you into a vicious cycle of debt.


Payment Method?

Once funds are available, we send it directly to your checking account that is registered during your application. You should be able to receive the funds in a just a few minutes to an hour. No need for complicated documents or extra requirements. We’ll send it right away.