Apply for Online Loans

Looking for online loans to cover an emergency expense? Applying for an instant loan online in the UK is simple, as the entire process is online. With Personal Loans Now, you just need to fill out our online application form, and you’ll get an online decision within 90 seconds. If approved, the money will be sent to your bank account with same day funding, at no extra cost.

Looking for an online loan. Get one with Personal Loans Now.

Do you Qualify for a Loan from Personal Loans Now?

  • You must be a UK citizen and have a UK bank account.
  • You must be at least 18 years of age.
  • Whether you’re employed with a regular paycheque, self-employed or unemployed, you can still apply.


What Are the Benefits of Online Loans?

There are many advantages to using online loans, including:

  • Quick and easy online application.
  • Apply from wherever you are, whenever you want.
  • Flexibility to borrow what you need – no more, no less.
  • Helpful for emergency expenses due to their speed.

What Are the Different Types of Online Loans?

  • Payday loans – They are designed for emergencies and are usually offered up to £500 to be repaid within a month. Customers generally use them for paying bills before payday; essential appliance repairs and to avoid overdraft expenses.
  • Instalment loans – They are over a longer repayment framework and are usually under £1,000. These loans are repaid in a few monthly instalments. They are sometimes taken to pay for emergency medical bills, and car repairs.
  • Personal loans UK– These loans are traditionally offered by banks and building societies. They are usually offered over £1,000 and can be repaid over a longer period, usually more than one year. You can use these loans for home improvements, buying a car and going on holiday.

Debt consolidation loans - Personal Loans Now

Why Should I Choose Personal Loans Now for Online Loans?

We are a responsible and trustworthy firm who offer access to a huge range of online credit check loans. We offer a credit on demand service which means higher acceptance rate. As an authorised direct lender, we have you covered while still committed to responsible lending, and acting in the customer’s best interests. Therefore, they will only agree to lend to people they think will be able to afford the repayments.

To achieve this, we will always carry out several checks including a credit check. In case we can not offer you a personal loan, we work with Monevo, a credit broker, that will find you the next best option – they still abide by the same level of responsible lending as we do.

Apply now for an online loan - Personal Loans Now

As we offer a ‘Credit on Demand’ service, we do not conform to the regular rules of a direct lender. With most direct lenders, you have to fit their specific requirements to qualify for a loan. For example, most lenders will only lend to someone in full time employment, or only if they have a good credit score.

At Personal Loans Now, we have a higher acceptance rate. You can apply whether you have a good, fair or very bad credit history, whether you are employed, self-employed, or not employed at all, and whether you have a guarantor or not. In the unlikely case, where we can not offer you a personal loan, we work closely to Monevo to find you a fair and responsible loan to fit your specific requirements.

How Much Money Can I Borrow from an Online Loans Lender?

You can apply with Personal Loans Now for small amounts, starting at £1,000, or for large loan amounts up to £25,000. We do all we can to provide you with the ultimate flexibility, so you can choose the online loan that works best for you.


What are the Fees, Charges, and Interest Rates of Online Loans?

All the lenders on panel are transparent about their lending, and will ensure that you are told up front exactly how much the long term loan for bad credit will cost you, before you sign on the loan. When comparing online loans, it is a good idea to use the APR as this is a standardised figure. The definition of APR is the loan itself plus any interest, fees and charges, over a 12 month period.

Interest is slightly different. This is usually a fixed number and is added onto the loan per day. All these different numbers can be confusing, so make sure you use a loan calculator to understand the real cost of your loan. Exactly how much will you be paying back each month and in total?

Debt consolidation loans - Personal Loans Now

Here is a representative example of the way that loans obtained through Personal Loans Now are priced:

Representative Example:

  • Amount of credit: £10,000 for 24 months at £578.37 per month.
  • Total repayment amount: £13,880.44.
  • P.A: 39.7% (fixed)
  • Total Interest: £3880.88
  • Total Interest (%): 38.8%
  • Representative 39.7% APR. Rates can vary from 35.9% APR – 99.9% APR.

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Can I Apply if I Have a Bad Credit Score?

As per the FCA’s regulations, all lenders have to run a credit check before they can approve a loan (no credit check loans are illegal in the UK). However, most lenders also perform affordability checks, and often rely on these far more than credit scores. Lenders offering no credit check payday loans are probably illegal and not authorised. We will always do our best to fund you a loan even with a poor credit history.

What are the Alternatives to Applying for Online Loans?

The golden rule of borrowing is to only borrow when there is no way you can avoid it. You should always consider loan alternatives such as the following:

Online Loans from Personal Loans Now

Apply now with a direct lender who is fully authorised and regulated by the financial conduct authority. Click on the apply button below to get started with your online loan application. It’s a good idea to have your bank account and employment details to hand to make the process as smooth as possible. The entire application process should only take a couple of minutes, and you will then receive an online loan decision within 90 seconds. If approved, the money will be sent to your bank account on the same day.

Apply now for a loan online from a responsible lender - Personal Loans Now
Apply now for a loan online from a responsible lender - Personal Loans Now