About Us


Welcome to Personal Loans Now

Personal Loans Now is a trading brand of Western Circle Ltd, which has been operating in the loan industry since 2014. We are a fully FCA-authorised direct lender and credit broker who have already provided loans to thousands of customers. We believe in offering clients the product that is most suited to their specific needs, and giving everyone a fair chance to borrow money when they need it the most.

Loans Loans from
£2,000-£25,000
Decision Decision time
90 seconds
Preocess Application takes
3 minutes
Reputable Direct lender
FCA authorised
Bad Credit Bad credit accepted
High approval rates
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* Affordable £2,000 – £25,000 Online!
RAPR 39.7%

What makes Personal Loans Now unique?

Personal Loans Now has invented a whole new concept, Credit on Demand. This brand new feature is changing the game, giving you the highest chances of approval by offering the advantages of both a direct lender and broker. As an FCA-authorised direct lender, we will always start by trying to fund you the loan ourselves. If this isn’t possible, we will work with Monevo, the largest lending platform in the UK who have a network of over 150 premium direct lenders. Their advanced technology will do a quick search of the market to find a lender for you, significantly increasing your chances of approval.

We have chosen to work with Monevo because they have access to some of the biggest and best FCA authorised lenders in the UK market, and can offer flexible and wide-ranging loan terms to meet any cash flow requirements.

Our hassle-free application form takes away the stress of having to carry out extensive loan searches. With just one application, the whole personal loan market is at your fingertips.

Our mission

We are passionate about giving everyone a fair chance. Our aim is to make credit more accessible, more affordable and far more simple for people in the UK. We want to provide everyone with very high chances of approval, allowing them to obtain credit in their time of need from a direct lender that has borrowers’ best interests in mind.

Have a question? You can easily get in touch with us via phone or email, whatever is more convenient for you. We’re available 9:00am to 5:30pm Monday through Friday on 020 3946 6777or at hello@personalloansnow.co.uk.

Apply Now

Apply now for personal credit and get an instant decision!