Get Your Personal Loan in the UK

How much do you need?
£1,000 £2,500 £3,500 £5,000 £7,500 £10,000

Affordable £1,000 to £25,000 Online!

Representative Example: Borrow £10,000 for 24 months, 24 monthly repayments of £578,37. Total repayment £13,880.88, interest rate p.a. (fixed) 39.7%. Representative APR 39.7%.

Application takes
3 minutes
UK lender
Call us: 020 3946 6777
Bad credit

Looking for a personal loan? Apply now for an instant decision, and if approved, you can get £1,000 up to £25,000* today.

PersonalLoansNow has pioneered a new lending strategy called Credit on Demand, helping thousands access credit when they need it. This service provides a much higher acceptance rate and a better borrowing experience than traditional personal loans online.

How can I get a personal loan in the UK?

Once you know how much money you need, the next step is to find a lender who will match your needs. At PLNOW, we take care of this for you. We process your application first as a direct lender, but we take it a step further.

“We take it a step further.”

If we are unable to lend to you, we won’t just decline you. Instead, we’ll do all we can to find you a loan from a different lender. We have access to Monevo’s large panel of lenders, all of whom are authorised and regulated by the Financial Conduct Authority. With Monevo’s advanced technology you will receive a loan decision in just a minute and a half.

At this point, it is crucial to review the loan terms. Ensure that you will be able to meet the repayments. This applies whether you are applying for a personal credit check loan, payday loan, or even a mortgage. Check the policies of your lender to find out what will happen if you miss a repayment, as well as whether you’ll be able to repay your loan early.

If you’re comfortable with the agreement, you will need to sign the contract online before the funds can be transferred to your account. You could receive up to £25,000* today!

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

Is the personal loan process completely online?

Yes, our application form is 100% online and there is no paperwork involved. While some ‘online lenders’ require you to scan in and send documents, or will send you the contract by post for you to sign and return, we work differently.

All you need to do is fill out our online application form and receive a decision within just 90 seconds. If approved, the money will be sent directly to your bank account that same day. No paperwork, no meetings, no hassle.

Can I get a personal loan if I have bad credit?

While you can get personal bad credit loans, they tend to have a higher APR and it may be harder to be approved. At PLNOW, our unique Credit on Demand feature helps us find the lowest rates of poor credit loans available to you, enabling us to offer a very high approval rate, despite having a poor credit rating. Our goal is to help everyone who is looking for personal credit now, no matter your credit history.

Should I get personal loans from a bank or online?

Many banks do offer personal finance. However, there are several differences between a bank loan and an online personal loan. If you need to borrow money fast, an online lender will usually be the better choice. The process of obtaining bank loans tends to drag out significantly more than applying for credit cards. You will often have to come in for a meeting, sign paperwork, submit documents, and wait up to a week for the loan decision. Even if you are approved, the money can take days to arrive.

When you apply with PLNOW, it only takes a few minutes to complete the application form. You can do it whenever and wherever you want. Your affordability and credit report will be checked at top speed, and you’ll receive a decision within 90 seconds. The money will be transferred that day if you’re approved.

Apply now for an
online personal loan

What is a personal loan calculator?

A personal loan calculator is a useful tool that tells you in real terms exactly how much your loan is going to cost. While all lenders have to tell you the representative APR of their loans, it’s not always clear what that percentage actually means for you.

A personal loan calculator will tell you

  • the amount you’ll repay at every instalment
  • how many instalments there will be
  • the total amount to repay

You can also find personal loan eligibility checkers. These tell you how likely it is that you’ll be approved for various loan amounts. Remember, cheap personal credit is usually reserved only for applicants with the best credit scores.

TOP TIP: Borrowing over a longer period of time will lower your monthly repayments. However, you will end up paying more for your loan. A personal loan calculator should make this clear, and you can use it to find the balance between affordable repayments and a cheaper personal loan.

Can I get a flexible personal loan?

At PLNOW, we pride ourselves on our flexibility. Every situation is unique, and we want to tailor your loan to your requirements. If you need flexbile credit, you can apply with us. We’ll do all we can to help you find the best flexible loans today. As both a direct lender and credit broker, we are perfectly positioned to search the market for you and help you get the flexible loan you need fast. Yes, even with a poor credit history.

How can I do a personal loan comparison?

I need a personal loan from a private lender, but I don’t know where to start!

Sounds familiar? Finding the best personal loan online can seem like a daunting task. However, searching for private loan lenders in the UK can actually be very straightforward. We’ve designed our unique Credit on Demand system to help you find the cheapest personal loan rates available to you.

When you apply with Personal Loans Now, all the comparisons are done for you. We check your eligibility for the best personal loan rates, and select the private lenders in the UK who are most likely to approve your application. Enjoy lower interest personal loans with a high acceptance rate and, if approved, same day funding†. Apply now for the new personal loan experience!

†Terms and conditions apply.

Written by: Kylie Jenson
Last modified: