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Quick Loans

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

Quick Loans

Life moves at a fast pace and no one likes to have to wait for anything. When you've made a decision about something you want to get on with it. The same can be said for your financial arrangements. No one wants the lack of cash to be a reason for not doing something. And if you can't draw on the readies from your bank account then you'll want to borrow it quickly. Quick loans are more available now than at any other time - although they are always subject to status and affordability.

Your Quick Loans Options

So, with these factors in mind there are types of quick loans that are faster than others to arrange. Below are a number of options which are obtainable at varying degrees of speed.

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 have a duty to ensure that applicants are identity checked and that they truly can afford to repay the loan. It is virtually certain that you will be credit checked by the lender, as well as conduct a full affordability assessment. You will need to provide information about your income and expenditure. These extra checks will limit how quickly a loan application can be processed.

Cleared Funds to your Bank

Once the lender has approved your loan the question you will have is "how quick can I get the cash?" The actual speed of payout depends on the banking system. The Faster Payments system (if your bank uses it) means you could 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 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 Quick Loans?

We thought we'd summarise which loans tend to be the quickest, and explain what factors 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 complexity but same day payouts are still feasible.
  • Doorstep Loans - because an agent comes to your house to complete the application it could take a few days.

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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