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99.9% APR Representative
Time to apply
OK 02m 43s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £1,810 over 24 months at a Representative rate of 99.9% APR and an annual interest rate of 71.30% (fixed), you would pay 24 monthly instalments of £143.48. The total charge for credit will be £1,810.48 and the total amount payable will be £3,620.96.
We don't have any reviews for 118 118 Money.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £5,000
  • Loan term: 12 - 24 months

Top choice for

  • Quick application process and decision
  • No interest is charged on your birthday
  • Customer service team available via live chat 24/7
  • Overpayments made without charge

Watch out for

  • You must be between 18 and 70 years old to apply
  • You must apply online
  • You must be a UK resident
  • You must have a bank account with debit card facilities
  • You must receive a net monthly income of at least £700

Fees & charges

  • Maximum APR 99.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £12
18.2% APR Representative
Time to apply
OK 02m 30s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £5,000 over 60 months at a Representative rate of 18.2% APR and an annual interest rate of 18.58% (fixed), you would pay 60 monthly instalments of £125.17. The total charge for credit will be £2,135.20 and the total amount payable will be £7,135.20.
We don't have any reviews for 1st Stop Personal Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £2,000 - £15,000
  • Loan term: 24 - 72 months

Top choice for

  • Online decision in minutes
  • No upfront fees
  • Both homeowners and tenants
  • Loans available up to £15,000 available to both new and existing customers

Watch out for

  • You will need to have good credit
  • Must earn over £15,000 per year to apply
  • You will have to be over 21 and in permanent employment
  • You will need your last 5 years’ address history

Fees & charges

  • Maximum APR 18.2%
  • Arrangement fee: £375
  • Early repayment fee: £0
  • Late payment penalties: £12
49.9% APR Representative
Time to apply
Fast 01m 33s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.9% APR and an annual interest rate of 49.90% (variable), you would pay 36 monthly instalments of £195.16. The total charge for credit will be £3,025.76 and the total amount payable will be £7,025.76.
We don't have any reviews for Amigo Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £7,500
  • Loan term: 12 - 60 months

Top choice for

  • No fees of any kind
  • You don't need to have a good credit history
  • You don't need to have direct debit facilities
  • Your guarantor does not need to own their home
  • You don't have to have been a resident of the UK for a specified length of time

Watch out for

  • You will need a guarantor
  • If you have a poor credit history, it's likely your guarantor will need to be a homeowner
  • Your guarantor will need to make your repayments if you can't afford to

Fees & charges

  • Maximum APR 49.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
49.7% APR Representative
Time to apply
OK 03m 15s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,600.00 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 41.00% (fixed), you would pay 35 monthly instalments of £126.61 and a final payment of £126.54. The total charge for credit will be £1,957.89 and the total amount payable will be £4,557.89.
We don't have any reviews for Bamboo Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £8,000
  • Loan term: 12 - 60 months

Top choice for

  • You don’t need perfect credit history
  • Easy payment management with online portal
  • Your guarantor can be your partner
  • Your guarantor does not need to be a homeowner

Watch out for

  • You and your guarantor must be over 21
  • Your guarantor will also need a good credit rating
  • Your guarantor must not be a customer of Bamboo
  • Your guarantor will need a UK bank account
  • Your sole income cannot be from Job Seekers Allowance

Fees & charges

  • Maximum APR 49.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
49.7% APR Representative
Time to apply
OK 02m 10s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3,500 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 31.90% (fixed), you would pay 36 monthly instalments of £170.56. The total charge for credit will be £2,640.16 and the total amount payable will be £6,140.16.
We don't have any reviews for George Banco.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £7,500
  • Loan term: 12 - 60 months

Top choice for

  • Fast track same day payout
  • Customer and regulation focussed
  • Positive reviews online
  • Available to customers with bad credit

Watch out for

  • Your guarantor will need to be over 25 years old
  • Your guarantor must have good credit history
  • Both must not be under an IVA or bankruptcy
  • Your guarantor must have a minimum income of £1,000pm
  • Both must have a valid UK bank account and debit card

Fees & charges

  • Maximum APR 49.7%
  • Arrangement fee: £100
  • Early repayment fee: £0
  • Late payment penalties: £12
79.4% APR Representative
Time to apply
OK 01m 46s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3,000.00 over 24 months at a Representative rate of 79.4% APR and an annual interest rate of 59.9% (fixed), you would pay 24 monthly instalments of £217.24. The total charge for credit will be £2,213.68 and the total amount payable will be £5,213.68.
We don't have any reviews for Everyday Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £15,000
  • Loan term: 24 - 60 months

Top choice for

  • Aimed at those with bad credit history
  • Positive customer reviews online
  • Advice articles for improving credit on their website

Watch out for

  • You must be aged 18 years or over
  • You will need to be in full time employment

Fees & charges

  • Maximum APR 79.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
9.9% APR Representative
Time to apply
OK 02m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £7,500.00 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 7.72% (fixed) and total fees of £225, you would pay 36 monthly instalments of £240.15. The total charge for credit will be £1145.40 and the total amount payable will be £8,645.40.
We don't have any reviews for Lendable.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £15,000
  • Loan term: 12 - 60 months

Top choice for

  • Soft credit search takes only 30 seconds
  • Peer-to-peer lending
  • No upfront fees or hidden charges
  • Can be contacted by text
  • Funds can be with you within a couple of hours from approval

Watch out for

  • You must be a UK resident
  • You need to be aged at least 18
  • You must have a UK bank or building society current account

Fees & charges

  • Maximum APR 39.99%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £30
47.9% APR Representative
Time to apply
OK 03m 20s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,500 over 36 months at a Representative rate of 47.9% APR and an annual interest rate of 47.90% (fixed), you would pay 36 monthly instalments of £120.04. The total charge for credit will be £821.44 and the total amount payable will be £3,321.44.
We don't have any reviews for LendFair.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £5,000
  • Loan term: 6 - 60 months

Top choice for

  • Your guarantor does not need to be a homeowner
  • You can make overpayments with no fees or charges
  • Monthly repayments are fixed to help with budgeting

Watch out for

  • You will need to have a UK current account
  • Your guarantor will need to be a UK citizen
  • Your guarantor must be over 18 years old
  • Your guarantor needs to be a homeowner or tenant

Fees & charges

  • Maximum APR 79%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
47.9% APR Representative
Time to apply
OK 01m 45s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,000 over 24 months at a Representative rate of 47.9% APR and an annual interest rate of 47.90% (fixed), you would pay 24 monthly instalments of £122.14. The total charge for credit will be £931.36 and the total amount payable will be £2,931.36.
We don't have any reviews for Likely Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £5,000
  • Loan term: 12 - 36 months

Top choice for

  • Simple online application only takes 5 minutes
  • No hidden charges or fees
  • They accept poor credit customers without requiring a guarantor
  • Instant decision online

Watch out for

  • Must be a UK citizen
  • You must be aged 18 or over
  • You must have some credit history
  • You will need to have a bank or building society account
  • No bankruptcy in the last 12 months
  • You must have an income (salary or pension)
  • You can be a homeowner or tenant

Fees & charges

  • Maximum APR 47.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
48.9% APR Representative
Time to apply
OK 03m 00s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £4,500.00 over 48 months at a Representative rate of 48.9% APR and an annual interest rate of 25.84% (fixed), you would pay 48 monthly instalments of £190.65. The total charge for credit will be £4,651.20 and the total amount payable will be £9,151.20.
We don't have any reviews for TFS Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £15,000
  • Loan term: 24 - 60 months

Top choice for

  • Guarantor loans available up to £15,000
  • You don’t need to have perfect credit to apply
  • Funds available quickly after approval
  • No arrangement fees

Watch out for

  • You will need to be a homeowner to apply for larger loan amounts
  • You will need to have a regular monthly income
  • Your guarantor needs to be between 18 and 78 years old
  • Your guarantor needs to be a UK homeowner
  • Your guarantor must have a regular income

Fees & charges

  • Maximum APR 48.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
45.3% APR Representative
Time to apply
OK 03m 12s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,000 over 36 months at a Representative rate of 45.3% APR and an annual interest rate of 38.00% (fixed), you would pay 36 monthly instalments of £93.90. The total charge for credit will be £1,380.40 and the total amount payable will be £3,380.40.
We don't have any reviews for On Stride.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £10,000
  • Loan term: 12 - 60 months

Top choice for

  • No early repayment or late fees
  • Simple online application
  • Funds available same day as approval
  • Rates based on your credit history

Watch out for

  • You must be aged 18 or over
  • You need to have a UK bank account
  • You will need a valid debit card to repay the loan
  • You must be employed and receive a regular paycheque
  • You must be a resident of the UK

Fees & charges

  • Maximum APR 89%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0

The loans you can compare here are loans from providers who claim that they're able to pay out same day loans.

Under what kind of circumstances should you apply for a quick loan? My research has shown that the providers who pay out same day loans are at the expensive end of the spectrum, almost always catering to customers looking for bad credit loans. Wherever possible, you should look to utilise savings to cover emergency spending or a credit card or overdraft. I realise that those options aren't always realistic for everyone and we receive emails from quite a number of customers telling us that they need funds quickly. So what I would say is, if you're absolutely sure you need a loan quickly and you've explored all other possible ways of covering your emergency spending - use this table to compare personal loan products in this bracket. Please make sure you don't just look for the first lender who'll accept you. Instead, consider the price of each product and the terms on which the loan is based.

High-cost short-term loans 

High-cost short-term loans (HCST), commonly known as payday loans are, as their title suggests, loans designed to be repaid over a short term. Loans range from £100 to £1000 and are generally repaid within 6 months. 

HCST loans sit at the pricier end of the scale and should be considered for use only as a last resort. If you are thinking of a HCST loan be sure to compare your options first and be absolutely positive you can afford the repayments before you apply. HCST lenders are not featured in this table but we do have a page dedicated to comparing short term loans here

What not to do

Where's the first place you look for a loan that you need paid out asap? The trusted source of all the information you could ever need? The internet. Sadly, if you go to google, type in "Quick loans", you’ll get search results promising “same day loans instantly if need be" or "cash paid in 10 mins". STOP. These sites are lying to you. There isn't a loan provider in the UK that is going to issue you an instant loan. They are brokers, lead generators or “ping trees” (this is when your information is literally “pinged” to as many companies as possible). They cannot offer you a loan and they absolutely cannot give you a loan within 10 minutes. What they will do is take an extensive application from you, send your details to as many lenders as possible and more than likely, sell your details to multiple spammers or cold callers who'll text and phone you incessantly offering to reclaim that PPI that you've never had or to transfer compensation into your bank account for the accident you weren’t in.

Choose Wisely WILL NEVER sell your details to any spammers or cold callers, we DO NOT charge you to compare quick loans and you're under absolutely no obligation to take out a loan if you compare them using this table.

Pricing and things to watch out for

Applying for a loan with the intention of getting it paid out very quickly means high rates of interest. Look out for transfer costs or "fast track fees" too as some lenders will charge to get the loan into your account within 24 hours. When applying for a "quick loan" be sure to do your research and make sure you have all necessary information to hand. They will not process your application until they have all the required information - so save time and be prepared. 

Acceptance criteria

Criteria will vary from product to product, but as with any loan, you need to make sure that you're a UK resident, you are over 18, have a UK bank account, a valid Debit card and as with all loans, you’ll need to be able to convince the lender that you'll be able to afford repayments on a loan that you take out.

Final word

Loans should never be used to cover repayments on other debts, high-cost loans shouldn't be used as a long-term solution and should be paid off as quickly as possible. Providers who offer fast loans are lenders of last resort. Think carefully before taking a quick loan out and if you think there is even a tiny chance you’re not going to be able to repay the loan at any stage, then find another solution.

You can personalise these results with our loan search.