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Small personal loans with cash paid in 10 minutes*

Credit history, It's all in the past.

£200 to £3,500 over 3 to 36 months
Clear loan terms with no hidden fees
Get your loan offer with no obligation
Which won’t impact your credit score°

WARNING: Late repayment can cause you serious money problems. For help and advice go to

Representative Example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). Representative 49.9% APR.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances.

Representative 49.9% APR

Representative Example:
Borrow £1,200 for 18 months.
Annual interest rate of 49.9% (variable).
18 monthly instalments of £90.46.
Total amount to repay £1,628.28.
Rates from 45.3% APR to 1575% APR
Your APR will be based on your
personal circumstances.
Warning: Late repayment can cause
you serious money problems.
For help and advice go to

Instant Online Loans

An instalment loan is similar to an unsecured personal loan or a secured loan. The lender provides the applicant with an agreed amount of money, with interest added on top that the borrower repays over a set amount of time. Any loan repaid over time with a set number of scheduled payments – typically at least two - is an instalment loan. Repayment terms can be as little as a few months, or for mortgages, up to 35 years. Instalment loans may be secured (against property or a vehicle for example) or unsecured (just like a personal loan from your bank, building society or credit union).

In the UK, instalment loans are strongly associated with traditional consumer loans that offer customers access to instant cash, online or on the High Street. These loans provide a safe, secure and reliable source of credit, and are often more accessible to people with a poor or no credit history, than bank loans and other traditional forms of borrowing like credit cards or catalogues. Instalment loans are also considered to be a better choice of other shorter-term and logbook loans and can help people to manage their money more effectively.

Instalment loans are different from short term loans and flexible credit facilities, as they are typically repaid over longer periods, meaning lenders have the ability to borrow larger sums. These loans also come with lower interest rates than short term loans, making them more appealing to people looking to get a good deal on their loan.

However, as instalment loans are designed to help people who need access to instant cash or people with bad credit, they may come with higher than average interest rates compared to mainstream lenders like banks. Repayment terms, loan amount granted and interest charged is also impacted by a number of things; such as the lender’s own criteria, the loan amount, and the borrower’s current circumstances. You should always make sure you read any loan agreement carefully before you agree to it to ensure the loan is affordable and that the repayments are manageable for your monthly budget.

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It is our commitment to you that we will help you secure loan funds when you need them. Unlike other companies, we understand that your privacy is important. We don’t ask you for your entire life story when applying for a loan. Our trusted lender network welcomes over 18 years of age, with a permanent address and regular income from employment, to apply.

To determine your eligibility for a loan, we only ask for a few details via our online rate check form. We don’t need to speak on the phone, have a face-to-face meeting, or have you submit any other paperwork – your time is valuable, and we appreciate your trust. To assess suitability, all we need is:

  • Basic Contact Information: Your name, address, age, and contact information
  • Basic Employment Information: Length of time employed and monthly income
  • Basic Banking Details: Ensuring that you can receive funds through a valid account

It only takes a few minutes to complete our process, and processing takes less than a minute on average before you get a lending decision, and your rate subject to acceptance.


Important Disclosures does not make lending or credit decisions. We are not a lender but a licensed credit broker and use a panel of lenders. Our free quoting service compares the UK main instalment loan lenders we have carefully selected, to quickly find you the closest match to the loan required, by a reputable lender who will accept your loan application. The loan amount you are offered may vary depending on the lender who accepts the application. Any information on this website should be taken as an opinion only. offer online instalment loans from £100 to £3,500 with repayment periods from 2 to 36 months. Money can be in your account in as little as ten minutes* and there are no long forms to fill in. Get your loan offer under no obligation and get your loan, your way, today. Introduces customers to Nouveau Finance Limited to obtain approval for a loan. does not provide any loans or consumer credit products directly. is a registered trading name of Usergain International Limited which is an Introducer Appointed Representative of Nouveau Finance Limited, who are a credit broker, not a lender. We are entered on the Financial Services Register under reference number 789268. Nouveau Finance Limited is authorized and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 727348. Financial Services Register

Collection Practices

Once you have received your instalment loan amount, if for any reason you think you will be unable to meet any arranged repayments, or if you think there will be any difficulty repaying any part of your loan, then you must contact the provider of your loan directly as soon as you become aware.

Contacting your lender who will provide you with the best opportunity to reschedule your loan repayments perhaps or discuss further options in more detail to avoid adverse action. Changing the repayment amount of your loan amount could incur additional charges or interest, the details of which can only be discussed directly with the lender of your payday loan. If no attempt is made to contact your lender and update them on any circumstantial changes or make the lender aware of any difficulty in paying back what you owe; they reserve the right to pass on your details to third party debt collections agencies or organizations that will attempt to recover the debt.

Lenders usually reserve the right to utilize the Continuous Payment Authority to continue to attempt to take payment from your card up to 90 days past your due date. This is only done if it is in line with the terms of your agreement. Please check your Terms and Conditions on your signed loan agreement for details.

Credit Score Impact

Don’t borrow money if you know you will struggle to pay it back and don’t ignore the situation, contact your lender as your first port of call.

Please be aware that if you do not repay your loan at the agreed date between yourself and your lender, this will result in your lender reporting your case to the Credit Reference Agencies; which may have an adverse effect on your credit score. This may negatively impact your ability to obtain credit in the future for services such as car finance, mobile phone contracts or satellite TV subscriptions. If you default, you may be charged a collection fee (which varies from one lender to another), plus interest on the balance outstanding at the interest rate payable under the agreement. You must pay your lender any reasonable expenses and costs that may be incurred in taking steps to enforce (for example, via County Court Judgements), or attempt to enforce, the lender’s rights against you under your agreement.

Renewing Your Loan

When you choose you access a fresher, more flexible way of borrowing. We work with the best and most trusted lenders in the UK, who understand that sometimes, financial circumstances change. If you have additional expenses you need extra help with or are thinking about renewing your loan, the sooner you can get in touch with your lender, the better.

Our carefully selected lenders typically charge the same or better rates to customers who have successfully repaid loans to them in the past, as long as you still meet their lending criteria and affordability checks. Your decision to renew your loan should consider any additional costs, your current financial situation, and your ability to repay the renewed loan. Late or non-payment could lead to further interest and charges being added to your account.

Non Payment Implications

If you are experiencing financial difficulty, it’s important to talk to your lender so that they can help you. Never borrow money that you do not believe you will be able to repay. Lenders are required to report all non-payments to Credit Reference Agencies. Late and missed payments have a negative impact on your credit rating, and may impact your ability to obtain credit in the future. If you are struggling to meet repayments, please contact your lender directly to make alternative arrangements. Or, get in touch with, and we will forward the details to you. Some lenders may charge a missed payment / late fee of up to £15. Every lender has their policy regarding non-payment or late payments.

Short-term loans are not suitable for longer-term borrowing needs. Loans are subject to status and adequate affordability checks. Over 18s only.