Instant Loans

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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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We can offer instant loan approval here at Personal Loans Now. If you want funding fast and know how much you want to borrow, click apply now. We’ll show you the best deals for instant loans in the UK. You can borrow anywhere between £1,000 up to £20,000 unsecured with instant loans so why not see what we can approve for you.

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Instant Online Loans For You

Your journey to instant loan approval starts with just one click. With just a few personal details, you can have the borrowing you want. At Personal Loans Now, we are proud to offer a quick and convenient service. We aim to present you with the best instant online loans you’ll find on the market. You’ll only need to complete one application to access to 40+ direct lenders who’ll give you a quick approval. Using our credit on demand feature, we’ll search the entire instant online loans market for your convenience. We’ll provide you with a personalised table of pre-approved instant loans in the UK. As a direct lender, we can lend you the funds ourselves, if we can approve your application. But if we can’t, we’ll show you the lenders who can, so why not click apply now today, and we can get started.

What Are Secured Loans?

How Does Instant Loan Approval Work?

Here at Personal Loans Now, we know that when you’re in need of funding, you want the process to be as quick as possible. That’s why our credit on demand system will provide you with all the information you need and with minimal effort. To be eligible to apply for instant online loans, you will need to meet the following criteria:

  • Aged 18 years or over
  • A UK resident
  • Have a UK bank account
  • Have a regular monthly income


If you can confidently say yes to the above, then you’re one-step towards instant loan approval with us. Once you’ve clicked apply now, you’ll need to enter personal details including your date of birth and employment details. In just 3 minutes, you will have a full view of the instant loans available. Your personalised table of offers will include all you need to know about the instant loans available. All you need to do is decide on which lender you want to proceed with. With a decision taking just 90 seconds, you’ll have instant loan approval in no time.


Why Should I Choose Personal Loans Now for Instant Loans?

There are many great reasons to use us when looking for instant online loans, including:

  • We’re FCA authorised – we are an authorised direct lender and credit broker.
  • Over 50,000 loans approved – we’ve helped many people like you get the instant loans they need.
  • UK Based Customer Service – our experienced team can help you every step of the way.
  • Fully Online Application – apply fully online with no need to wait for paperwork, 90 second decision time.
  • High Acceptance Rates – with over 50,000 loans agreed, we can offer help where some other lenders can’t. Even for bad credit applicants.
  • Competitive Real-Time Rates – we scan the market for the best live deals available from over 40+ lenders.
  • Same Day Funding – Once approved, we can deposit the funds into your bank account the very same day.

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Compare the Best Instant Loans in the UK

We can quickly and easily compare the instant loans market, showing you direct lenders and high street banks who can help. With one easy to use application, you can have your pick of the best rates available with instant online loans. If you need funds for a holiday, large purchase or home improvements, we can show you everything available. With you being able to apply for up to £20,000 unsecured, you can cover most purchases with an instant loan. If we can offer you the funds ourselves as a direct lender, we’re happy to help. But we will show you other lenders available so you can make an informed choice.


Is an Instant Loan Right For Me?

Depending on the type of borrowing you need, an instant loan will help you in many ways. If you’re looking for a loan above £20,000, then you’ll want to look at our secured loans. We can potentially offer up to £250,000 to you with secured borrowing. We offer many types of borrowing here at Personal Loans Now. We’re always happy to help with our high acceptance rates. Unlike traditional bank loans, interest rates can be much lower, and you won’t need to sign documents for approval. As an online direct lender, we can provide you with a decision online with funds paid the same day. This is providing you’re approved during regular working hours (9-5 PM). Try our quick online comparison today. You won’t need a credit check to get a personalised table of offers to see what’s available today.

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Can I Get Instant Loans with Bad Credit?

We are proud to help applicants even when they have a poor credit rating. We do this by taking into consideration your full financial position, not just your credit score. If you can meet our eligibility criteria, then we can look to help you find instant loans available. With our database of lenders, there is a good chance one of them will be willing to approve you if you have bad credit. Please be aware, although you don’t necessarily need a good credit rating, your credit file will be searched. As we are responsible lenders, you’re not guaranteed approval. Having bad credit can mean that the available instant online loans will be capped at a maximum of £7,500. They may have a higher rate of interest, with possibly higher monthly repayments. To be able to receive the best possible instant loan rates, your credit score will need to be as high as possible. You’ll be seen as much less of a risk to a lender with a good credit rating.

Instant Loans FAQS

How Do Repayments Work with Instant Loans?

Once you click apply now, you can choose the amount of borrowing you require and what the monthly repayments will be. You can choose to spread the loan repayments between 3 months up to 10 years. With our online personal loan calculator you can see what you can potentially borrow before applying. Once you have decided on the repayment terms you want, we can find the lenders who match your preferences. Some lenders may be able to offer the amount you want over a longer or shorter term.

The repayments will be paid monthly, direct from your bank account. You’ll need to ensure that your account has enough credit on the agreed repayment date. If you cannot make a repayment, you’ll need to contact the lender at the earliest opportunity. This way, you’ll avoid falling into arrears and can agree a suitable repayment plan. Please be aware that if you regularly miss repayments, the lender may take legal action to recover arrears. They may even request that the full amount of the loan is repaid.

What Are the Interest Charges on Instant Online Loans?

Instant loans at Personal Loans Now charge RAPR, representative annual percentage rate. If you’re approved for instant loans through us, we’ll charge a fixed 39.7% RAPR (representative annual percentage rate) over the total term of the loan. If we can’t approve your loan, then you’ll see the available terms and interest charges from other direct lenders. Please note, interest charges can vary with other lenders. Some may offer a fixed rate of interest, whilst others offer a variable one. A variable-rate means that the interest percentage can increase and decrease during the length of the loan. With a fixed rate, you’ll know upfront how much you’ll need to pay, making it easier to manage and budget for.

If I’m in Financial Difficulty, Can Personal Loans Now Help Me?

If you’re in financial difficulty, you’ll need to consider whether instant loans are best for your situation. Although you can apply for instant online loans, there is no guarantee of approval. If you have a poor credit rating, this can decrease your chances of approval. We recommend that you work out your income and outgoings monthly, so that you can see what your disposable income is. If you’re left with very little or a negative amount each month, seeking financial advice may be the best option. There are many organisations, such as the Money Advice Service, who can offer free impartial advice. Using short term borrowing to cover long term debt is not recommended. Short term loans are best for applicants who can prove affordability that doesn’t impact any essential bills.

Are Personal Loans Now A Broker or Direct Lender?

We are both! When we process an application for instant loans, we may be able to approve an application ourselves. However, if we can’t approve your application, we’ll show you the direct lenders who are best placed to help. This way you get the best of both worlds with one easy application.

Do I Need a Guarantor to Apply for Instant Loans?

You do not need to have a guarantor to apply for instant loans. But depending on your current finances, for example if you receive income support, you may find applying for a guarantor loan a more suitable option. If you have a poor credit rating, you’ll be seen as a higher risk to lend to. With a guarantor loan, your chances are improved if the guarantor you use has a good credit rating.

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