Quick Loans

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When you need credit in a hurry, at Personal Loans Now we can provide you with quick loans in the UK. We can give you a decision within just 3 minutes. Whether you need quick cash loans with no guarantor, or you have bad credit, we have the quick short term loans you need. All you have to do is decide on the loan term you want, and the repayments required. Then in an instant, we’ll show you all the best offers available to you. If it’s quick decision loans you want, click apply now!

What Are Secured Loans?

What are the Eligibility Requirements for Quick Cash Loans?

If you want to apply for quick pay out loans, you’ll need to meet the below minimum requirements:

  • Aged 18 years and over
  • Are a UK resident
  • Have a UK bank Account
  • Have a regular source of income


If you can say yes to the above, then we can work quickly to find you lenders who are able to offer you quick personal loans. We are a direct lender of quick loans in the UK. If we can approve your credit application, then we will deposit the funds ourselves to your bank account. But don’t worry if we can’t lend you the money ourselves. We can show you the most suitable lenders from our database of our 40+ lenders who can.

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Why Choose Personal Loans Now for Quick Short Term Loans?

At Personal Loans Now, we have the means to be able to offer quick decision unsecured loans for you. We’re confident you’ll find the quick loans you want online by using our service. No matter your current circumstances, we use the information you provide to find suitable quick pay out loans. We have approved over 50,000 loan applications already. There are many reasons why we are a smart choice for quick cash loans:

  • Speedy Application – Less than 3 minutes to complete online
  • Fast Decision – In just 90 seconds, you’ll know whether you have been approved
  • We Are a Direct Lender – If we can approve your application, we will provide you with the funds ourselves. If for some reason we cannot, we’ll find a lender who can.
  • Range of Loan Amounts – you can apply online for quick loans between £1,000 and £20,000
  • Fully Online Service – No having to wait for paperwork to be sent
  • High Approval Rates – even if you have bad credit
  • Approved Lenders – you can trust an application through us will be as responsible lenders

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Quick Short Term Loans for Bad Credit

We can help you even if you have a bad credit rating. It doesn’t necessarily mean you can’t receive the money you want. As responsible lenders, we need to ensure you can afford repayments without a negative impact. If we can see you have affordability for repayments and the disposable income, you could be approved.

However, if you do have a poor credit rating, you may find that the rates of interest can be much higher. This is due to a lender seeing you as much higher risk to lend to. We are committed to FCA regulations, and want to ensure you can afford the loan you want. We highly recommend that you check your affordability thoroughly before applying for small quick loans in the UK. The best way to do this is by working out your income and outgoings in full. You can easily see your disposable income after all necessary monthly bills by doing this.

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How Do Quick Payout Loans Work?

The process with quick loans is simple once you have clicked the apply now button. After determining the loan amount and number of repayments, we’ll quickly process your application online. All you need to do is fill in the required information with your personal details. In just 90 seconds, we’ll be able to give you a quick decision. This means you’ll be one step closer to receiving the funds into your account today. Once we have approved your application, we’ll send the funds to your bank account within the hour. Funds will credit the next working day if it’s after regular working hours (9-5 PM). Whether you’ve been approved for a £1,000 or a £20,000 loan, we can deposit funds quickly.

We work quickly to provide a convenient service for you. The time between clicking apply now and receiving a decision takes just a few minutes. If you meet eligibility requirements and have affordability, you’ll benefit from the quick process. Spend less time searching for the loan you want and more time using the funds you’ve received. Having bad credit isn’t an obstacle for getting quick cash loans. There are many lenders available who could help you.

Quick Loans FAQs

If I’m in Financial Difficulty, Can I Still Get Quick Loans?

As a responsible lender, if you’re in financial difficulties, you may not be approved for quick short term loans. You’ll need to fully consider your position before processing an application for credit with us. Otherwise, you may do more harm than good to your credit score. If you have existing long term debt, taking out further loans may not help you. We recommend that you seek impartial advice from one of the many non-for-profit services available. These include the Money Advice Service, who will be able to help you. Short term borrowing shouldn’t be used to cover long term debt. This will impact your credit score in the long term, making it harder for you to receive borrowing in the future. Whilst we can process your application, the chances of being approved will be lower. If you are already aware of having a poor credit score, you may want to look at other options first.

What is the Interest Rate with Quick Loans?

We use a fixed rate of interest when calculating the interest charges on your quick loans. This means the amount of interest is fixed throughout the term of your loan. This is at 39.7% APR representative, but be aware that if we cannot approve your loan, interest charges may vary with other lenders. The direct lenders that can look to approve your application can offer fixed-rate and variable rate loans. With a variable rate, the interest may increase and decrease during the loan term. We recommend you check the credit agreement before proceeding.

Are Personal Loans Now a Direct Lender or Broker of Quick Loans in the UK?

We are a direct lender, but we can also connect you with other lenders. Whether you’re looking for quick loans for a new car or holiday, we can find lenders who can help. Using our credit on demand facility, if we can’t approve your loan, we can show you other direct lenders. If another direct lender can provide you with a loan, then we’re happy for you to proceed with them instead. Even if that means losing you as a customer! We want to see you get the best loan agreement possible and will help you get it.

What’s the Maximum I Can Borrow With Quick Short Term Loans?

We may be able to provide you with quick short term loans up to £20,000, offering various different repayment terms. Giving you extra flexibility and ease with which you can pay. Quick cash loans can be the perfect answer to a short term financial issue you may have. Whether you want to make a large purchase or pay for home improvements, a quick loan of up to £20,000 can go a long way to help. If you’re looking to borrow a higher amount than £20,000, then a secured loan may be the best option for you. Able to go up to a maximum of £250,000, a secured loan offers even more options for you. Because it is secure, you’ll need to offer something as collateral, such as a property or vehicle.

What Happens if I Miss Any Repayments With My Quick Loan?

If you know you are going to miss a repayment, you’ll need to contact the lender as soon as possible. This way, arrangements for repayment can be made, rather than be missed and your situation potentially getting worse. If you fall into financial difficulties during your loan agreement, for example for vehicle finance, the lender can request full repayment. To avoid this, always speak to the lender at the earliest opportunity possible. If your finances are in good order before you apply for credit, you should avoid falling into arrears. but we understand the unexpected can happen.

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