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We search the whole loan market so you don't have to, without affecting your credit score!

You can easily compare and choose the best loans from £1,000 to £20,000
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If you want to get a quick loan online, we can help you find lenders who provide instant approval and same day funding. Utilising our credit on demand system, you’ll find 40+ direct lenders and banks willing to offer between £1,000 up to £20,000. An application takes just 3 minutes to complete so you’ll get an instant decision. We provide the best place to get a loan anywhere. Click apply now, and we’ll find you the right lender to match your needs.

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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. However, not all have your best interests in mind and can charge high amounts of interest. If you need to get a loan in an emergency and want an easy way to see the best offers, we can provide it. We’ll show you a list of loan offers personalised to you so that you can have a full view of the market. This means you can do less searching and quickly apply for the best offers available. It can be a long process searching online through the hundreds of lenders out there, finding one that offers terms you want. At Personal Loans Now, we do the searching, so you don’t have to. We only need a few details to be able to do so as well.

A quick 3-minute application is all it takes. Provide us with a few personal details, such as employment details and your date of birth, plus the loan terms you want. We can then search through our large database of lenders to provide a personalised table of offers. All the lenders shown will be 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’ll 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. A decision will be given to you in just 90 seconds. If approved, you will be credited the loan amount on the same day, if this is during working hours (9-5 pm). Click apply now, and we’ll look to get a loan for you from the best lenders available.

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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 work differently to help you get a loan with bad credit. We take into consideration not just your credit score but also your affordability. If you can afford to make repayments each month, even with bad credit, we’ll connect you to lenders who can help.

A credit search will still provide a very important part of your loan application. You will need to consider your financial position before applying for a loan. If you’re in financial difficulty with a poor credit rating but you can afford the loan, we can help find lenders 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’ll need to meet the following eligibility:

  • 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. It 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. This is to ensure, that our responsible lenders are lending correctly to you. If you have any queries, please contact us to speak to one of our customer service team.

 

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 get a loan online that meets their requirements. 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 – our panel of direct lenders 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.
  • Safe Lenders – our panel of direct lenders are fully authorised and regulated.

Apply for Personal Loan Now

If you want the best place to get a loan, 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.

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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 £20,000 unsecured. If you want even higher amounts than this, 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. You need to ensure you can afford 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’ll 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 time frame to pay arrears. Missing repayments does run the risk of negatively impacting your credit score. The lender will also be able to take legal action if necessary. We highly recommend you work out your income and expenditure so you can see your disposable income. This way you will know exactly what you can afford after your main bills.

How Can I Check My Credit Score?

You can check your credit score before applying to get a loan by contacting a credit reference agency. Experian or Equifax can show you your credit report so you can see what your current credit score is. You’ll also be able to see what a lender can 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 or fair 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 a loan if you do have one. Our guarantor loans enable you to apply for a loan and have someone co-sign the agreement. This will help to strengthen your application. Whilst an application cannot be guaranteed for approval, with poor credit it’s a great way to improve your chances. The guarantor you choose will need to meet certain conditions determined by the lender. At a minimum they 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. Since all our lenders are fully authorised, they take responsible lending very seriously. This is to ensure your personal data is only seen by lenders you want to deal with. If you find a lender online who isn’t FCA authorised, we strongly recommend you do not use them. You should stick to a verified lender, such as the ones we can show you when applying.

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