Easy Loans

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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 willing to help you with quick and easy loans. Click apply now and with just a few details we can show you the easy loans to apply for today.

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Easy Loans in the UK

Sometimes, all you want is an easy way to find 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. It’s quick and convenient, showing you easy online loans that have the best rates and terms. We connect you with 40+ direct lenders who offer high acceptance rates. It takes 3 minutes to fill an application and get a personalised table of offers of easy loans to get. It all starts with clicking apply now, and entering how much you want to borrow, for example £5,000. Also, enter how long you want to borrow for, so we can find suitable lenders for you.

How Can I Apply for Easy Online Loans?

It doesn’t take long to find the easy loans to apply for when using Personal Loans Now. You’ll need to meet a few 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 criteria is just the start and doesn’t guarantee you will get approved for the loan you want. As part of your application, you’ll need to provide personal details, such as your date of birth and employment details. You will then 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. They 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. We also help 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. You may have the income, from employment or benefits, but are affected by a bad credit history. Due to this, many lenders won’t be able to take the risk to lend to you. We work differently, considering not just your credit rating but also what you can afford each month. Whilst we cannot guarantee you’ll be approved for easy loans with bad credit, we can look to find lenders best placed to help.

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Why Choose Personal Loans Now for Easy Online Loans?

We can offer many benefits when choosing us to find quick and easy loans. Many people already have gained approval for a loan that works for them even with bad or fair credit. Some of the many reasons include:

  • Complete Online Application – our panel of lenders 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. We’re eager to help even more applicants just like you.
  • Instant Approval – our lenders 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 the lenders we connect you with are FCA authorised and are responsible lenders.

You’ll find many ways we can help you apply for easy to get loans. Our personalised table of offers can be provided without having a credit search performed. We’ll show you all the available offers for you based on the details you enter. This way, you can look at an overview of easy loans you can apply for without impacting your credit score. Click apply now and see for yourself what easy loans are available for you today.

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Easy Approval Loans with Low APR

Like many applicants, you’ll want a loan that has the lowest APR rates available. Fortunately, we can search for these, so you don’t have to. We’ll find 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 you can afford. Also, what your current credit score is and the amount of borrowing you need will be considered. If your credit history is good and you can afford to cover repayments, you should 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’ll 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’ll need to consider the repayment terms offered before applying to ensure you are happy with the interest charge. If you want to see what the repayments and interest charge would be, use our loan calculator. This will give you 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. Our panel of direct lenders can lend £1,000 up to £20,000 unsecured. However, if you have bad credit, you’ll find lenders that will only be able to lend a maximum of £7,500. The personalised loan offers we 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. This is so 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 can apply for easy loans without needing someone to act as a guarantor.

How Can I Check My Credit Score?

If you’re unsure what your credit rating is, we recommend using a credit reference agency to find out. Companies such as Experian and Equifax, will show you the information a lender can see. By knowing your credit score, you can put yourself in a better position before applying for a loan. You’ll be able to see the ways you can improve your credit score if it is currently poor. This will help you 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’re 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. Our panel of responsible lenders need to ensure you can afford the loan you apply for without issue. 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’ll need to contact the lender directly as soon as possible. You’ll be able to resolve the arrears within an agreed time frame. Most lenders are able to help 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. This is where they will look to recover the arrears, or in some circumstances, the whole loan amount to be repaid.

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