One application gets you the whole market!

We search the entire loan market to compare loans online, so you don’t have to, without affecting your credit score! In just 3 minutes you will receive a personalised comparison table of pre-approved loan offers ready for you now! PersonalLoansNow is the meeting point of trusted personal loans direct lenders, private lender partnerships and high street banks. One application gives you access to the best online loans in the UK market, so you can choose the best credit option for you and stay in control of your data.


Fair, safe and simple.

We are also a direct lender, and we want to work with you. But if we find a better offer for your needs, we will always show it to you even if that means losing you as a customer to one of our competitors. This is what we call fair!

App Phone App Phone_Small

Credit on Demand

FCA Authorised, GDPR compliant and HIGH approval rate

We developed the Credit on Demand online loan app with one goal in mind: To get you the money you need, safe and fast. We explore all available options, so you don’t have to! It’s that simple. You can download the app now, free of charge.
Web logo

Online loans in the UK just got bigger and better!

We’re changing the rules of the game, and we’re doing it just for you! We’re making credit of £2,000 – £25,000 more accessible, more affordable and by far more reliable for people in the UK, and all it takes is a 3-minute application form. Forget payday loans, avoid expensive overdrafts and ignore pushy companies trying to sell you loans over the phone. Apply with Personal Loans Now direct lender and put your finances back in order. Enough is enough!

Apply Online
Our form takes 3 minutes to complete.
We search the whole market for you.
Compare loans online to get a personalised table of real rate loan from 40 plus trusted lenders.
You choose the best option for you.
Be in control from start to finish.

Compare Loans in the UK With Personal Loans Now

Applying for cheap loans online that you need with Personal Loans Now is easy. With just one application, you can access some of the most competitive rates regardless of the loan type you’re applying for. From easy online loans for cars, secured or unsecured loans, or even loans that require a guarantor, we have a wealth to choose from that put you and your safety, security and needs first.

Why Choose Secured Loans?

Why Choose Secured Loans?

Here at Personal Loans Now, as a direct lender, we make the application and valuation process for any secured loans simple, giving you access to plenty of alternatives to traditional secured finance. When the loan is secured against your assets, whether that’s your home, car or similar, you can borrow larger amounts, benefit from lower interest rates and you’ll even have a better chance of acceptance. You could also have a higher chance of acceptance if you have a poor credit score, as the risk to the lender is reduced when you offer an asset as collateral.

Apply Now
Why Choose Personal Loans?

Why Choose Personal Loans?

Personal loans with us give you all the features of a bank loan, with the added benefit of no needless face-to-face meetings and a higher chance of acceptance even if you have bad credit. The process is 100% online, giving you quick access to funds when you need them without any tedious paperwork and with our responsible lending practices, you can have extra peace of mind in their security. If we can’t offer you a loan ourselves, we’ll compare loans in the UK from other trusted companies and match you with a lender that can in order to provide you with the unsecured loan that you need.

Apply Now
Why Choose Guarantor Loans?

Why Choose Guarantor Loans?

Benefit from the support and security of a guarantor with online guarantor loans. If you have bad credit, you could still access the funds you need with the support of a family member or friend who is willing to act as guarantor for your application. Offering lower APR rates, a loan with a guarantor can offer you security and, provided the appropriate affordability checks are in place, you can rest assured that acceptance rates are high. Loans with Personal Loans Now are affordable, trustworthy and easy to access, taking away the stress of borrowing.

Apply Now
Bad Credit Loans

Bad Credit Loans

If you have bad credit but are in need of financial relief, we’re proud to offer our loans to borrowers with poor credit on an unsecured or guarantor basis. We act as direct lenders, offering high acceptance rates with our easy online loans, even if you have a poor credit history, giving you the peace of mind that you could still access the funds you need in an emergency. Application is easy, and we’ll give you an instant decision so you aren’t left waiting for the answer you need in a tough patch or a financial emergency.

Apply Now
Why Choose Car Loans?

Why Choose Car Loans?

Looking to buy a car but haven’t got the funds to hand? A car loan, whether that’s a logbook loan, credit or another form of car finance, can give you access to the vehicle you need without the pressure of footing the bill upfront. With no prying questions and none of the stress of waiting for approval as with standard finance from a dealership, you can get the funds you need, fast. Let us find the best rates for your vehicle loans with secured or unsecured lending depending on the type that suits you and your financial situation best.

Apply Now

Apply for Personal Loan Now


Borrow With Peace Of Mind

Safety is our top priority here at Personal Loans Now. Our mission is to open up the world of affordable lending to everyone and we take every care to ensure that the applications that we receive are only approved if we believe the online loans with monthly payments are safe for you. As an FCA approved lender, we operate within strict guidelines to ensure that our loans are affordable, feasible and most importantly, safe for every borrower we lend to.   While we can accept applications from those with a poor credit history, we do reduce the amount available to ensure optimum safety for you and your finances. As standard, we offer loans between £2,000 and £25,000, but for loans offered to those with poor credit, this is reduced to £7,500 for our unsecured loans. You can apply for higher amounts in some cases but will need to provide an asset as collateral with one of our secured loans.  

Why Choose Personal Loans Now For Online Loans?

Whether you’re looking to compare online loans with monthly payments or are just getting started in your online loans journey, Personal Loans Now are on hand to take you from application to the final payment. We are a direct lender, offering full support from the moment you enter your name through each repayment if you are accepted. We are also proud to be a premium broker, so if we can’t accept you or there are better rates available, we’ll provide you with a personalised table of pre-approved loans from over 40 trusted lenders.

Loans Loans from £2,000 – £25,000
Decision Decision time 90 seconds
Preocess Application takes 3 minutes
Reputable Direct lender Fully authorised
Bad Credit Bad credit accepted High approval rates

* Affordable £2,000 – £25,000 Online! Representative Example: Borrow £10,000 for 24 months, 24 monthly repayments of £578,37. Total repayment £13,880.88, interest rate p.a. (fixed) 39.7%. Representative APR 39.7%.
High Acceptance Rates

High Acceptance Rates

We have already accepted over 50,000 loans through Personal Loans Now and are ready and raring to accept more. We are proud of our high acceptance rates and even in cases where we can’t offer you the funds directly, we have a panel of lenders on hand who can so you can rest assured you stand the best chance.

Easy Online Application

Easy Online Loans Application

Our online application process is quick and easy, giving you access to online loans today without the need for any confusing or unnecessary paperwork along the way. You can access the cash you need with no fuss and complete ease, with minimal impact to your credit score as we will only check your report once.

40+ Additional Lenders

40+ Additional Lenders

Using our premium broker service, we can offer all of our applicants easy access to not just our own online loans, but we can also compare loans in the UK from over 40 additional lenders in order to find the most competitive rates within the market. With just one application, you can compare loans online without affecting your credit score.

Ongoing Support From Our Team

Our team are more than happy to provide you with full support from this very moment, through the application and on to the final repayment that closes the loan. No question is too big or small for us – just get in touch by phone, email or on our online chat and we’ll be more than happy to help with any query you may have.

Competitive Real-Time Rates

Whether you’re looking to borrow directly from us, or you’ve got your eye on one of the other loan offers from our panel, you can benefit from competitive, real-time rates that give you the very best deals at the time of application. Apply with peace of mind that you’ll always be getting real, accurate and personalised rates for you.

Need a Personal Loans?

Get Your Loan With Personal Loans Now



Can You Get Online Loans in the UK With Bad Credit?

At Personal Loans Now, we offer online loans with monthly payments to applicants with poor or bad credit scores, dependant on their current financial state and the results of our affordability checks. We strive to make lending accessible to the masses while keeping things safe and secure for the duration of the loan. As an FCA-approved lender, we conduct thorough checks as part of the application process to make sure that all of our applicants can afford their requested loans, to reduce the chances of falling into financial hardship as a result of the agreement. If lenders keep declining your loan application, we encourage you to read this article to understand the main reasons lenders decline loan applications and how to resolve it.

How Long Will It Take To Compare Loans Online?

When you fill in our application form, you’ll be given a decision instantly. As a direct lender, we can offer cheap loans online to you ourselves, or compare loans online from over 40 additional lenders through the premium broker service, Monevo. We want to make sure all of our applicants get the best rates, which is why we’ll show you real-time information from the lenders on our panel to you can compare and choose the online loans that suit you best.

What If I Can’t Meet Repayments On My Loan?

If you already have a loan with us and believe you could miss a repayment in the near future due to a change in financial circumstance, you should contact our team as soon as possible and let us know. We may be able to discuss solutions to prevent defaulting on the loan and help you regain control. If you’ve borrowed through any of the other lenders on our panel, you should contact them directly to discuss potential solutions if you have, or are going to miss a repayment.

Are Online Loans in the UK Safe?

We take every care to ensure that the process of applying for and managing online loans is safe, secure and trustworthy, so you can borrow money with confidence. We are FCA-approved and adhere to all legislation and guidelines to ensure the best experience not only on when applying for the loan but after you’ve been approved and have received the money. We also adhere to GDPR, so your details will remain private and will only be shared with the lenders that you give us permission to contact on your behalf.

Apply Now

Apply now for your personal credit and get an instant decision.