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When you need a loan now and want to see your options online, we can search the market for instant payout loans. We can give you a personalized table of offers designed to show you the best rates available. Able to offer you between £1,000 up to £15,000 securely and quickly, click apply now to see how we can help you today.

Need a Loan Now? Personal Loans Now Can Help

Need a Loan Now? Personal Loans Now Can Help

Sometimes, when the unexpected happens and you need funding fast, it’s difficult to know where to turn. Funding that’s safe to use with an instant decision is readily available to find online. But not all lenders have your best interests in this situation. We understand the frustration of getting what you want without having to jump through hoops to get it. Using our credit on demand system, we can help you see offers from 40+ lenders. They can offer you same day funding with it taking just 3 minutes to complete an application. Just a few personal details are needed for this process.


The best part is you won’t need a credit search to receive your own personalised table of offers. We’re able to search the market and highlight the lenders you should connect with, even if you’re self-employed. Only once you have decided on the lender you want to pursue approval with, will a credit check be carried out. This gives you time to review the offers without affecting your credit score.

I Need a Loan Now, How Can I Apply?

To apply for borrowing through Personal Loans Now, you’ll need to meet the following eligibility requirements:

  • 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

If you can meet the above, you’ll be able to see the loan offers available when you need a loan ASAP. Please note, the above does not guarantee you will be approved for the loan you want. Credit checks and affordability checks are needed first before approval. Some lenders may require additional information to support an application, such as a guarantor.


Who Can Be A Guarantor when I Need a Loan Now

Depending on your circumstances, a guarantor may be needed to support your application. For example, if you’re unemployed with a low benefit income. Guarantor loans involve the loan agreement being co-signed by another person who will have a good credit rating. Guarantor loans are great for applicants who have poor credit. This is because you will be able to apply for loan amounts that would normally be out of reach. The person you choose as a guarantor will need to meet the following requirements:

  • They can be a close relative, personal friend or co-worker
  • A guarantor cannot be a spouse or someone who has a joint bank account with you
  • They must be in full-time employment
  • They need a good credit history
  • They must be 21 years of age or older, with some lenders requiring they are no older than 75 years old.
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If you can find a suitable guarantor, you may be able to get a guarantor loan when you need a loan ASAP.

Need a Loan with Bad Credit? We Can Help

If you need a loan with bad credit, then getting approved when you need it most can be difficult. Finding lenders who are willing to supply a loan to someone with poor or fair credit can be tough. But at Personal Loans Now, we can make the search much easier. We consider your full finances and not just your credit rating. We can look to help you find the lenders who have the means to supply a loan, even if you have bad credit.

What you’ll need to remember is having bad credit can mean receiving a loan you want, but with higher interest. You’ll still be able to receive the same day funding that someone with good credit can get. However, you may have to pay more back in interest. Lenders will be taking a higher risk by lending to someone with bad credit. They would need to ensure you can afford to make the repayments you want.

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Why Choose Personal Loans Now When I Need a Loan ASAP?

We have helped many applicants when they need a loan fast. Thanks to our quick and convenient online application process. Some other main benefits of using Personal Loans Now include:

  • Fully Online Application – from start to finish, you can apply for a loan completely online. All without the need for paperwork to sign.
  • Low APR Rates – we can find the lowest rates available when you need a loan fast, searching the market so you don’t have to.
  • High Approval Rates – we are proud to offer high acceptance rates. We have helped 50,000 people just like you receive the loans quickly.
  • Instant Approval – once we have your application, we can give you a decision in just 90 seconds.
  • Same Day Funding – we can credit your bank account on the same day once approved.

So, when you need a loan ASAP, we have the means to provide you with the funds quickly. Click apply now to see how we can help when you need a loan now.

Need a Loan FAQs

I Am On Benefits and Need a Loan, Can Personal Loans Now Help?

We take into account what your current affordability is. This way we can help you if you are on benefits and need a loan. As long as you can afford the repayments you have requested, we can help you find a lender willing to help you. You may find that the amount available to you won’t be the maximum of £15,000. You will still need to have a good credit score, which if you are currently out of work, can be heavily affected.

Do I Need a Guarantor When I Need a Loan ASAP?

It’s not a requirement to have a guarantor. However, depending on your situation, you may need one to get the loan you want. If you have a poor credit rating, having a guarantor on your loan will help increase the chance of being accepted. If you have a good credit rating, you should be able to apply for a loan in just your name. However, this cannot be guaranteed and will depend on how much you want to borrow and who the lender is.

What is the Interest Charge When I Need a Loan Now?

We charge a fixed rate of interest at 39.7% RAPR (representative annual percentage rate) if we can approve your loan. Some lenders that we connect you with may charge a higher rate of up to 99.9%. You will need to consider your options when we provide you with a personalised table of offers. Having a fixed-rate loan will mean your repayments and interest will be the same throughout the term of your loan. Some lenders may charge a variable rate of interest. This is where the interest amount can increase and decrease throughout the loan term. This is similar to a credit card and may be more difficult to budget for each month as repayments will change. Use our loan calculator if you want to see what the potential loan repayments and interest charge would be.

Can I Borrow More Than £15,000 when I Need a Loan ASAP?

At Personal Loans Now, we can help you apply for borrowing up to £250,000. This will depend on what type of loan you would like and your current circumstances. A personal loan will allow you to will allow you to apply for between £1,000 and up to £25,000 unsecured. Meaning no personal assets are needed for the loan. If you have bad credit or need a guarantor, the amount you can borrow is reduced to a maximum of £15,000. This is can be as low as £7,500 if you have bad credit. For larger amounts up to £250,000, you’ll need to apply for a secured loan. This is where you’ll need to attach a personal asset to the loan as security. This can be valuables such as property or a vehicle.

What Happens if I Miss Repayments?

If you miss repayments, you’ll need to contact the lender so that you can agree on a suitable time frame to repay. If you can’t agree a suitable time frame, you risk the lender taking legal action to recover the arrears. Possibly, the whole loan term can be requested to be repaid. If you’ve gotten into financial difficulty, we recommend speaking to free advice organisations. Companies like the Money Advice Service, can offer impartial financial advice to help you.

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