Need cash fast? You can apply for instant loans of £500 to £25,000* at Personal Loans Now and receive an instant decision, with same day funding if approved! We offer high approval rates, with bad credit scores accepted too. Personal Loans Now use Monevo’s advanced technology, designed to make personal loans and online credit more accessible and affordable to people in the UK. Apply now!

Personal loans now - instant loans

Meet the world of instant loans online, where you get the cash you need, fast.

Instant Decision Loans

When you need money right away, you don’t want to be kept waiting. That’s why, at Personal Loans Now, we’ll do everything in our power to help you get the money you need, today.

Can I get loans with an instant decision in the UK?

Technically, you can’t get a loan decision instantly in the UK. The FCA’s regulations mean that every lender has to perform credit and affordability checks before approving any loan, which means that the decision will take some time. However, at Personal Loans Now we’ve streamlined the process so much that the entire loan decision process will take approximately 90 seconds. If you compare that to high street lenders, who can take up to a week to give you a decision, that’s pretty instant.

Looking for instant loans? Apply with Personal Loans Now

How much can I get when applying for an instant cash loan?

You can get instant cash loans for £500 or up to £25,000* depending on what type of loan you choose.

Instant payday loans Payday loans are typically paid back over 30 days and tend to be for smaller amounts, generally up to £1,000. If you look for instant payday loans direct lenders, you’ll be getting a small, short loan where you get the cash almost instantly and repay it soon after. Instant payday loans in the UK are a great option for a temporary financial crisis.
Instant personal loans If you need more money for a longer period, you may want a personal loan with instant approval. Depending on the lender, you can borrow up to £10,000 or £20,000, and repay it over a period of 10, 20 or even 30 years. For example, a 10000 instant personal loan will deposit £10,000 into your account that day (if approved), and you will repay it in instalments over several years.
Instant loans from Personal Loans Now As an Introducer to Quint, we have access to a broad range of FCA-authorised instant loan lenders. We can therefore offer a large range of loans, from £500 to £25,000*, over a period of 1 month up to 10 years plus. We work hard to get you the best loans online with instant decision to save you the time and effort involved in shopping around for the best personal loans rates.

Reasons for taking out an instant loan

In many situations, you can and should save up as much as you can first, to avoid borrowing money. However, sometimes you just need the money fast. This video presents several example scenarios, explaining just when an instant loan may be the right choice for you.

Can I get instant loans if I have bad credit?

Yes, you can find bad credit loans with an instant decision from several direct lenders online. But first, it’s important to check your credit score. Don’t just assume you have bad credit!

Bad Credit FAQs

Can I find loans for people with bad credit with an instant decision and no fees?


Absolutely! It’s so easy to miss a bill that many people have poor or bad credit scores, and instant loans for bad credit are quite a popular product. There are several lenders who offer bad credit loans online with an instant decision, but you must check that they don’t charge any fees on top of the loan cost. At Personal Loans Now, we’ll never charge you a penny for our services, regardless of your credit score.

Should I apply for no credit check loans with an instant decision?


No, don’t! Instant loans are regulated by the Financial Conduct Authority (FCA) and one regulation is that every applicant has to undergo a credit check before being approved for a loan. Therefore, if a lender claims to be offering instant loans with no credit check, it is very suspicious. This is additionally true with instant payday loans with no credit check as this is an even more regulated market. Stay far away from instant payday loans with no credit check direct lenders!

If you do have bad credit, the main way of rebuilding it is through paying off all of your credit commitments on time. Think hard before borrowing, will you be able to repay it? Late repayment can cause you serious money problems. If you are struggling, please visit moneyadviceservice.org or another free money charity for help.

How do Personal Loans Now instant loans work?

It’s important to understand any financial product before you sign up for it, and instant personal loans are no exception. So, what happens when you apply for a loan with Personal Loans Now?

  1. Application form – filling this out should take approximately 2 minutes. You don’t have to scan or fax in any documents, or sign any paperwork – it’s completely online.
  2. Analysing your requirements – the form is processed by Monevo’s advanced system to select the lenders who are most likely to approve your loan. This is based on how much you are requesting, how long for, whether you are using a guarantor and your credit history, among other factors.
  3. Submitted to lenders – your application is submitted to the selected lenders only. They will make a loan decision and, if approved, give a loan offer
  4. Best instant loan rates selected – out of all the loan offers received, the cheapest one is selected and presented to you. It is now up to you to decide whether or not to accept it.

How long does all this take? 90 seconds! To give you an idea of what 90 seconds is, we’ve created the following infographic.

How fast are instant loans from Personal Loans Now?

Do I need a guarantor for instant loans?

At Personal Loans Now, it’s up to you. You can get instant loans with no guarantor, but you can also get instant guarantor loans. So what’s the difference?

Guarantor loans with instant payout


In general, having a guarantor co-sign your loan will make your loan cheaper, and increase your chances of approval. So, you can usually get guarantor loans with instant approval at a low APR.

However, it can take a lot of time and effort to find a guarantor. While you can get instant guarantor loans online, you can only apply for these once you have a guarantor. If you need the cash right away, this simply isn’t an option.

Instant loans no guarantor


The good news is that you can get instant loans online with no guarantor. While these may be slightly more expensive, they are there if you need them. Bad credit? No worries, you can also find instant loans with no guarantor for bad credit.

You can apply here with Personal Loans Now for bad credit loans with an instant decision and no guarantor. We don’t want to waste your time, so you’ll find out within 90 seconds of submitting your application whether you have been approved.

How can I compare instant loans online

It’s tempting to just apply with the first lender you see, but it’s far better to shop around. The first step in finding the best instant loans is to figure out exactly what you need. Are you looking for guarantor loans with instant payout? Have you got bad credit? Are you in a rush for the money, or have you got the time to wait for a decision, and for the money to come through? Once you know what you need, be very specific in your search. Here is an example of a detailed search that will help you find what you need:

Can I find loans for bad credit with no guarantor, no fees and an instant decision?

The more detailed your search, the more likely you are to find exactly what you are looking for. Personal Loans Now accept bad credit applicants, offer loans with or without a guarantor, never charge any fees and will give you an online loan decision within 90 seconds. That’s not all! We also offer same day payout, and only deal with FCA-authorised lenders.

Furthermore, when you apply with Personal Loans Now, you don’t have to compare prices. If approved, you are automatically presented with the best loan interest rates available to you, saving you time and effort. The best loans, instantly.

Don't have the time to shop around for the best loan?

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Instant Loans Online from Personal Loans Now

If you’re looking for instant loans, we’d love to help. You can apply for £500 up to £25,000* and get a loan decision on the spot, within 90 seconds. If approved, you should receive the money on that very same day. You can repay the loan in just 1 month, or spread the repayments out over 1 year, 5 years, or 10 years plus. As an Introducer to Quint, a fully FCA-authorised credit broker, we have access to a huge panel of direct lenders, allowing us to offer you the ultimate level of flexibility. Bad credit? Unemployed? Self-employed? We can help! Fill out our online application form to be matched with the perfect lender for your situation.

Apply now for the ultimate Instant Loan experience.

Instant loans - Personal Loans Now