If you want to get a quick loan online, at Personal Loans Now we can help you find lenders who can provide you with instant approval and same day funding. Utilising our credit on demand system, you will find 40+ lenders who are willing to offer lending between £1,000 and up to £15,000 today. With an application that will take just 3 minutes to complete, you can get an instant decision providing the best place to get a loan anywhere. Click apply now and we’ll find you the right lender to match your needs.
Get a Loan Today
When you need to find the best place to get a loan, there are many lenders available that can help you, but not all have your best interests in mind and can charge high amounts of interest. If you need to get a loan today and want an easy way to see all the best offers available to you, at Personal Loans Now we can do exactly that. We’ll show you a list of loan offers personalised to you so that you can have a full view of the market, meaning you can do less searching and quickly apply for the best offer available. It can be a long process searching online through the hundreds of lenders out there to find one that offers the loan terms you want the most. At Personal Loans Now, we do the searching, so you don’t have to, and we only need a few details to be able to do so.
A quick 3-minute application is all it takes, providing us with a few personal details such as employment details and your date of birth, plus the loan amount and repayment terms you want. We can then search through our large database of lenders to provide you with a personalised table of offers, all willing to lend you the money you want. The best part about this is you won’t need a credit check to see this information, instead, you will be able to review the loan offers available without your credit file being impacted. Once you know what lender you want to continue with, a credit search will be performed and a decision given to you in just 90 seconds. If you are approved, then you will be credited the loan amount on the same day if you are approved during working hours (9-5 pm). Click apply now and we’ll look to get a loan for you from the best lenders available.
Get a Loan with Bad Credit
If you currently have bad credit, you may have felt that you can’t get a loan at all. Some lenders will see your poor credit and find it very difficult to approve your loan request. Here at Personal Loans Now, we can work differently and help you get a loan with bad credit, taking into consideration not just your credit score but also your affordability. If you have proven affordability to make the repayments each month that you want, even if your credit history is bad, we’ll connect you with lenders who can still help you get a loan.
A credit search will still provide a very important part of your loan application, so you will need to consider your financial position before applying for a loan. If you are in financial difficulty then we cannot lend to you, but if you have a poor credit rating and have the affordability to make repayments then we can help find the lenders who are best placed to help you.
Am I Eligible to Get a Loan Today?
To be eligible to get a loan through Personal Loans Now, you will need to meet the following eligibility requirements:
- You are 18 years or older
- You are a current UK resident
- You have a UK bank account
- You have a regular source of income
Meeting the above is a minimum requirement to get a loan today, but does not guarantee you will be approved to get a loan through us. A credit search will be performed as part of the approval process as well as affordability checks to ensure as responsible lenders that we are lending correctly to you. If you have any queries about the application process, please contact us to speak to one of our customer service team today.
Why Choose Personal Loans Now to Get a Loan Online?
With our quick and convenient online service, we can help you get a loan today that works for you. We have helped many people already get a loan online that meets their requirements and at Personal Loans Now we can offer many great benefits:
- Fully Online Application – an application is completely online with us, meaning quicker approval and payout, without having to wait for paperwork to be sent.
- Low APR Rates – we search the entire loans market to find you the lowest rate loans available for you.
- High Acceptance Rates – we are proud to offer high acceptance rates, helping 50,000 applicants already get a loan online.
- Instant Decision – we can give you a decision in just 90 seconds.
- Same Day Payout – one approved, you will receive the loan amount into your bank account on the same day.
- FCA Authorised Lenders – we are an FCA authorised responsible lender, as are all the lenders we can connect you with.
If you want the best place to get a loan, at Personal Loans Now we will help you find one at the best rates and repayment terms for you. Click apply now to see how your own personalised table of offers today.
Get a Loan FAQs
Can I Get a Loan for a Higher Amount?
How much you can borrow through us depends on your affordability and your credit rating. With bad credit, the maximum you will be able to borrow is £7,500 due to the higher risk for the lender. If you have good credit, a personal loan can be applied for up to £25,000 unsecured. If you want even higher amounts than this, at Personal Loans Now we can help you get a secured loan up to £250,000, as long as you have the personal assets to secure it. As with any lender, you will need to ensure before applying that you have the means to make repayments and that you can afford to take out further lending without putting a strain on other areas of your finances.
What Happens if I Miss Repayments?
If you miss a repayment on your loan, you will need to contact the lender directly in the first instance. By speaking to the lender, you may be able to come to an agreement on a suitable timeframe to pay the arrears. Missing repayments does run the risk of negatively impacting your credit score, with the lender also able to take legal action if necessary. We highly recommend that you work out your income and expenditure so that you can see your disposable income and know exactly what you can afford after your main bills.
How Can I Check My Credit Score?
If you want to check your credit score before an application to get a loan, you will need to contact a credit reference agency such as Experian or Equifax. Contacting them will give you access to your credit report and you will be able to see what your current credit score is as well as what a lender can see when searching your credit file. This way you will be able to see areas you need to improve and look to start putting this into action. Your score will be ranked from poor to excellent, with the higher your credit score the better. Having a good to excellent credit score will allow you access to the very best deals available.
Do I Need a Guarantor to Get a Loan with Bad Credit?
It is not a necessity to have a guarantor on your loan application, however, you may find that some lenders can only offer you a loan if you do have one. Our guarantor loans enable you to apply for a loan and have someone co-sign the agreement, helping to strengthen your application. Whilst the application cannot be guaranteed for approval, if you have poor credit it is a great way to improve your chances of being approved. The guarantor you choose will need to meet certain conditions determined by the lender, but a minimum will need to have a good credit score.
Is it Safe to Get a Loan Online?
Absolutely, we use a secure website to keep your personal details safe and private at all times. As FCA authorised lenders, we take responsible lending very seriously to ensure your personal data is only seen by lenders you want to deal with. If you find lenders online who are not FCA authorised or who do not use a secure website, indicated by the padlock icon in the search bar on your browser, we strongly recommend you do not use them and stick to a verified lender, such as the ones we can show you when applying.