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Instant Loans

  • Borrow up to £20001
  • Trusted lenders only
  • Payouts within 24 hours
  • Responsible lending policy
  • Alternatives available

Instant Loans

With developments in technology the instant loan is coming ever closer to being a reality, but with the caveat that all loans are subject to status and affordability assessments done by the lenders. And there lies the paradox. It's easier than ever before for lenders to take an enquiry, gather information about a potential borrower and make a decision, but at the same time the regulatory environment has become stricter.

Your Instant Loans Options

So, with these factors in mind there are types of instant loana that are quicker than others to arrange. No loan is truly instant, but it is possible to get a lender decision and get your loan relatively quickly if you are a low risk applicant.

So what are your options?

Payday Loans

  • Borrow up to £1000
  • Payouts within 2 hours possible ("Faster Payments")
  • Repay next pay day
  • Repay on time to avoid high rollover costs
  • Only use in a true cash emergency
  • Representative APR 1081%

Small Guarantor Loans

  • Borrow up to £750
  • Guarantor required (non-homeowners accepted)
  • Same-day cash payouts possible
  • Payouts via guarantor's bank account
  • Repay over 6 to 24 months
  • Designed for bad credit
  • Representative APR 304%

Instalment Loans

  • Borrow up to £2000
  • Payouts within 2 hours possible ("Faster Payments")
  • Repay over your chosen period (max 2 years)
  • Early repayment possible
  • No guarantor required but there are cheaper alternatives available
  • Representative APR 299%

Doorstep Loans

  • Borrow up to £2000
  • No bank account required
  • Instant online decision followed by visit from agent
  • Agent will hand over your cash loan
  • Fixed repayments over 14 to 52 weeks
  • No hidden charges
  • Representative APR 399.7%

Lender Responsibilities

Lenders are duty bound to ensure that applicants are who they say they are and that they truly can afford to repay the loan. It is highly likely that the lender will need to credit check you, and they will also need you to provide information about your income and expenditure. These extra checks tend to slow down the process.

Cleared Funds to your Bank

Once the lender has approved your loan you'll be wanting the cash quickly. But the actual speed will depend on the banking system. If your bank operates the Faster Payments system then you can receive cleared funds within 2 hours. However, if this is not available then it may take a couple of days for you to get your hands on the money.

If you don't have a bank account then your borrowing options will be fewer and the time to access funds longer.

What are the most Instant Loans?

We thought we'd summarise which loans tend to be the most instant, and explain the elements that can slow down each type of loan. So, in order of speed starting with the fastest:

  • Payday Loans - payouts within 2 hours are possible
  • Instalment Loans - money paid to account within 2 hours is achievable
  • Small Guarantor Loans - you need to provide an acceptable guarantor and this adds a bit of complexity but same day payouts are still feasible.
  • Doorstep Loans - because an agent comes to your home to complete the application it will take a few days, but they do bring the cash with them.

About Payday Loans

Representative Example

Loan Amount


Actual Interest Rate

24% (vrbl)

Loan Term

30 days

Total Repayment


Representative APR


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

1 Subject to application being approved by the lender. Not all lenders are able to provide up to £1000.

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