If you’re looking for quick easy loans to get online, here at Personal Loans Now we can help you find them. Using our credit on demand system, you can choose from 40+ lenders who are all willing to help you apply for quick and easy loans. Click apply now and with just a few details we can show you the easy loans to apply for today.
Easy Loans in the UK
Sometimes, all you want is an easy way to find the lenders who are best placed to help you with getting the funds you need. At Personal Loans Now, we understand this and can help you find easy to get loans that work for you. Instead of having to search the entire loans market yourself, we can do this for you in a quick and convenient way, showing you easy online loans that have the best rates and terms. We can connect you with 40+ direct lenders as a broker, as well as being able to offer you the money you want ourselves as a direct lender. It takes just 3 minutes to complete an application for us to provide you with a personalised table of offers for easy loans to get today. It all starts with clicking apply now and entering how much you want to borrow and how long you want to borrow it for.
How Can I Apply for Easy Online Loans?
It doesn’t take long at all to find the easy loans to apply for when using Personal Loans Now. You will need to meet a few eligibility requirements first before you can take advantage of easy to get loans, including:
- You are 18 years of age or older
- You are a current UK resident
- You have a UK bank account
- You have a regular source of income
Meeting these eligibility criteria is just the start and doesn’t guarantee you will get approved for the loan you want. As part of your application, you will need to provide personal details, such as your date of birth and employment details, and undergo a credit check to ensure you can afford the terms you want. Easy approval loans are possible whether you have good or poor credit, but cannot be guaranteed unless all checks are passed, and your affordability is assessed.
Easy to Get Loans with Bad Credit
If you currently have bad credit, this doesn’t mean you will be definitely declined for easy loans. At Personal Loans Now, we have a high approval rate and welcome applicants that not only have a good credit score but those who have bad credit as well. By doing so, we can help many more people get quick easy loans in the UK. We understand that for some people, having a good or excellent credit score will take time to achieve. If you have affordability currently but have been affected by having bad credit in the past, your credit score will reflect this, meaning many lenders won’t be able to take the risk to lend to you. We work differently at Personal Loans Now, taking into consideration not just your credit rating but also what you can actually afford each month. Whilst we cannot guarantee you will be approved for easy loans with bad credit, we can look to find you the lenders best placed to help.
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Why Choose Personal Loans Now for Easy Online Loans?
We can offer many benefits to choosing us to find quick and easy loans, with many people already gaining approval for a loan that works for them even with bad credit. Some of the many reasons include:
- Complete Online Application – we can provide you with easy loans completely online with no paperwork needed.
- Low APR Rates – we search the market to find you the lowest available APR rates on easy loans.
- High Acceptance Rates – we have helped 50,000 people find easy to get loans, with us eager to help even more applicants just like you.
- Instant Approval – we can provide you with a decision in 90 seconds.
- Same Day Funding – once you are approved, you will be credited with the loan amount on the same day into your bank account.
- FCA Authorised Lenders – all of the lenders we can connect you with follow FCA guidelines and are responsible lenders.
You’ll find many ways we can help you apply for easy to get loans, with another great reason being our personalised table of offers; without having a credit search performed, we will show you all the available offers for you based on the details you enter. This way, you can look at an overview of the easy loans you can apply for without negatively impacting your credit score. Click apply now and see for yourself what easy loans are available for you today.
Easy Approval Loans with Low APR
Like many applicants, you’ll want a loan that has the lowest APR rates available. Fortunately, at Personal Loans Now we can search for these, so you don’t have to, finding the direct lenders that are readily able to offer you the lowest rates for your circumstances. Getting the lowest APR rates will depend on what your affordability is, what your current credit score is and the amount of borrowing you need. Generally speaking, if your credit history is good and you have the affordability to cover the repayments you want, you should be able to see the best rates available.
The lower your credit rating, the higher the interest will be, and you may have less preferable repayment terms. We will find you the lowest APR rates if you have bad credit, but these may still be higher than if you had a good credit score. You will need to carefully consider the repayment terms offered before applying with a lender to ensure you are happy with the interest charge. If you want to see what the repayments and interest charge would potentially be, use our loan calculator to get an approximate overview.
Easy Loans FAQs
How Much Can I Borrow with Easy Loans?
Depending on your situation, the amount you are able to apply for may vary. At Personal Loans Now, we can lend between £1,000 and up to £25,000 unsecured, however, if you have bad credit, you will find lenders that will only be able to lend a maximum of £7,500. The personalised loan offers we will provide you with will show you what the lenders can do against the amount you want. Some may have further conditions to provide you with the loan amount, such as needing a guarantor. If you’re looking to apply for larger amounts of money, a secured loan will give you the option to borrow up to £250,000.
Do I Need a Guarantor for Easy to Get Loans?
No, it is not a necessity to have a guarantor to apply for easy loans, however, some lenders may require you to have one. We offer guarantor loans if you are finding it difficult to get a loan by yourself, designed so that you can get a guarantor to co-sign the loan agreement to increase the chances of approval. The guarantor would need to be someone who has a good credit rating and works full-time, amongst other conditions. In general, most people should be able to apply for easy loans without needing someone to act as a guarantor.
How Can I Check My Credit Score?
If you aren’t sure what your current credit rating is, we recommend that you use a credit reference agency to find out. There are a few available, such as Experian or Equifax, who show you all the information that a lender will be able to see during your application. By knowing what your credit score currently is, you can put yourself in a better position before applying for a loan. You will be able to see the ways you can improve your credit score if it is currently poor and understand why your score is ranked as such. Having a good or excellent credit score will give you the best chance of getting a great rate loan.
Do I Need a Credit Check for Easy Online Loans?
You are required to undergo a credit check as part of the approval process with easy loans. If you find a lender who doesn’t require one, we strongly recommend you do not use them and report them to the FCA. As responsible lenders, we need to ensure that the loan you apply for is manageable and that you can make repayments without falling into financial difficulty. It also shows the lender whether there is a risk with lending to you.
What Happens if I Miss Repayments on Easy Loans?
If you do miss repayments on easy loans, you will need to contact the lender directly as soon as possible. You will be able to resolve the arrears within an agreed timeframe, with most lenders able to help you if there is a commitment to pay. If you regularly miss repayments, you run the risk of penalty charges or the lender taking legal action to recover the arrears, or in some circumstances, the whole loan amount to be repaid.