CAUTION: will never ask for any up front fees for loans. Fraudsters are pretending to be us – do not send them money.

Searching for a loan… We could save you time and money*

Our Service Is FREE To Use!

(Subject to lender requirements and approval)

We Can Provide a Loan From £100 – £5,000*

We Search Multiple Lenders

No Impact on Your Credit Score

Open 24 Hours, 7 Days a Week

Safe & Secure Website

Representative APR: 279.5% | Representative Example: Loan Amount: £300 | Borrowed for 60 days | Total Repayment: £420.82 in 2 monthly installments of £210.41 | Interest Charged: £120.82, interest rate 120.8% pa (Variable)

Warning: Late repayment can cause serious money problems. For help, visit Our site uses cookies to provide a better experience, see our cookies for more info.

Bad Credit Loans

Short Term Loans

Guarantor Loans

Personal Loans

We are a licenced credit broker, not a lender. does not provide loans or consumer credit products directly.

Step 1 - Application

Select which one of our loans you want, click the ‘Apply Now’ button and proceed to fill out one of our online application forms.

Step 2 - Decision

Once you’ve submitted all your information you will receive a fast decision.
If approved the terms of your loan will be clearly outlined from the offset, so you can check everything before you accept.

Step 3 - Cash

Finally, once you have accepted the loan, we will send the money straight to your bank account. Most customers receive the cash on the same day, within 10 minutes.

LoanBird Google Customer Reviews

We offer a number of loan types:

short term loans image with a piggy bank and money

Short Term Loans

Similar to payday loans, short term loans can provide assistance to any urgent financial matters. However, they facilitate a longer borrowing period so you have more time to pay your loan back. If you are in need of some quick cash, a short-term loan could be the answer.

*A payday loan provides a short term financial solution, this should not considered as a long term fix.

Please click the tab below to learn more about our short term loans.

  • Available lending amounts of: £100 – £5,000
  • Borrowing periods of: 1 – 36 months
home in hand image for personal loans

Personal Loans

Personal loans are applied for every year by millions of customers. They can help to cover larger finances, like a new car, a family holiday or to consolidate debt into one payment.

As the value of a personal loan is normally greater than a short term loan, repayments can be stretched over a longer time period to suit your affordability. Click the tab below to learn more about this loan option.

  • Lending amounts up to £15,000.
  • Loan terms: up to 5 years.

Payday Loans

Not quite payday yet? Need some funds today? Our payday loans could tick you over until you’re paid. With a compound of payday lenders, we act on prompt payouts and a rapid decision process. Usually the lending period of this loan option is shorter than that of a short term loan.

See below for more information or to apply for a payday loan.

Amounts up to: £5,000

Lending periods of: 12 months+

Bad Credit Loans

We realise that not everyone has a perfect credit rating. A lot of people who have bad credit can afford a loan but find it difficult to get one. Some companies will only accept loan applications with the best criteria. That’s why we choose to work with lenders that look beyond your credit score.

Lenders always aim to deliver a swift turnaround, see below for further information. 

We have providers lending amounts of up to £5,000, with the choice of borrowing periods of up to 3 years.

Guarantor Loans

We also have lenders who offer guarantor loans, all with competitive rates. So, if you’re in a situation where you can’t obtain a loan directly this could be a suitable option. Firstly, find a loan guarantor, then apply online with us and we will do our best to supply some options.

If you have really bad credit a guarantor might be a better option.

Amounts of up to £15,000, with the choice to borrow up to 5 years. (Amounts can differ from one lender to the next)

solo loan bird for home page at your service!

How does your service work?

Our service represents an intelligent lending model providing various alternatives for loans in the UK. also offers a variety of lenders to provide more choice and faster results for each visitor. Our platform is used by thousands of savvy customers daily, assisting them with a fast tap and go system to provide some borrowing options.

In seconds we offer you quick access to a number of loan options no matter what your credit score is. Our application process is straightforward and the panel of lenders we use offer flexible options and payment terms. All customers have FREE access to the vast majority of UK based loan providers.

Customers are always at the core of our attention and we believe highly in treating the customer fairly at all times. Loanbird is a fully FCA regulated broker who operates with an open door policy for all customers.

Can your lenders guarantee me a loan online?

It’s very difficult for lenders to guarantee a loan approval before certain checks have been done. For example, you can get an instant proposal but further information may be required. With that being said, we aim to do our best!

Our application form is accessible to anyone over eighteen and is pretty time effective. It’s linked to all the lenders on our panel so everything is done in real time.

Be aware that some competitors may charge fees, we don’t charge any fees for our service and we strictly operate online only. LoanBird never calls customers to discuss their application or to require any personal information.

Can I still get a loan with really bad credit?

At the moment there are a good number of lenders supplying different loan options, many that are relating to bad credit. As we advised above it boils down to your personal situation, and most importantly affordability. At the end of the day these companies are in the business of lending. So, if they can deliver a loan to you sooner rather than later, it’s the best outcome for both parties.

Rule of thumb – when you are searching through our heavily populated market of loans don’t jump towards the first company you see. Ask yourself questions.

For example, can this direct lender offer bad credit loans with no guarantor and no credit check? Typically, any lender you decide to give your custom to will check your credit status. However, most brokers won’t need to check your credit health, which is a good way of you understanding your options before you agree to any contract.

In short try not to settle for the easy options, it pays to do your homework.

Customer Information

Implications of Non-Payment

We always recommend that you repay your loan on time. If you are unable to pay on time, each lender has their own policies with regards to fees and interest. It is up to your loan provider to decide how they collect any of your outstanding debts. The majority will look to contact you by telephone or letter so they can rearrange your payment. Late or non-payment may result in a negative impact on your credit score which may affect your ability to obtain credit in the future. If you are concerned that you’ll be unable to repay what you owe then you should contact your lender immediately.

Late Payment

Please contact your lender If you’re ever in a situation where you can’t meet your repayment date. If you will be able to make the payment at a later date then you must also contact your lender to discuss this. Failure to contact them could result in a higher fee or charge which can be costly. Late payment fees will vary from lender to lender. For more information on the Late Payment policy of your lender see the terms and conditions of your loan agreement.

Collections Process

If you’re having problems making any payments please contact your lender so that they can look at your payment options. If the situation remains unresolved your lender may have the right to pass your details onto a third party collections agency. Please see your terms and conditions regarding the exact process your lender will follow in the event of any unpaid loans.

Renewal Policy

If you wish to renew your loan you should discuss this with your lender. does not promote the renewal of any loan policies. If you feel that you can’t afford to repay a loan, we would suggest that you do not take one out. For more information about your lender’s processes and policies regarding non-payment, please refer to the terms and conditions of your loan agreement.

Note: Are you considering the route of consolidation on any existing borrowing? Please be aware that this could result in repaying a higher rate of interest. Also, it can extend your terms of debt therefore increasing the total amount you pay. 

You can access one of our loans today if you:

are 18 or older

The minimun age to use our service is 18.

live in the UK

Must be a current resident of the United Kingdom.

have a Bank Account

You need an active UK bank account to allow the money to be transferred to you.

can afford to meet the monthly payments

Only take out a loan if you can afford to meet the monthly payments.

have a regular income

You must have a monthly income to show you can afford repayments.

Need Urgent Cash

Online loans are one of the most efficient ways of borrowing.

Always an Immediate Decision with Loan Bird

We search. You save time.

You’re Safe with Loan Bird

  • Fully FCA authorised credit broker
  • Reputable UK lenders
  • Service is free
  • You’re in control throughout the process
  • No pressure sales tactics
  • Your information is secure
  • Secure website
  • No cold calling
  • Best APR & Interest rates
  • No obligation offers
  • Terms are displayed before you accept

Application > Decision > Cash

Are you searching for a loan service provider that can offer you something different? If so, you are in the right place. We can search multiple lenders for you in minutes. All it takes is three easy steps and we could have some suitable options available to you.

Service satisfaction is a huge part of Loan Birds day to day work ethic. We put a daily graft in to make sure our website delivers an express service for each visiting customer. One of our main aims is to always try to provide you with an immediate decision on your loan, even if you are unsuccessful.

Our loan providers welcome all credit histories. So, apply with us today to see if we can help you find the right loan.

Our website is completely free for you to use, but we may receive a commission or fee from some of the companies we feature or introduce you too. is a registered Trading Name of RJW Assist LTD. RJW Assist LTD is registered in England and Wales (Company number: 09470548). Registered Address: Brook House, 40 Cuthbert Road, Stockport, Manchester, SK8 2DT. Licenced by the Information Commissioners Office: registration number: ZA436430. RJW Assist LTD is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under the reference number: 788094. We are a licenced credit broker, not a lender. does not provide any loan or consumer credit products directly.

Timescales on receiving your funds may vary from lender to lender and depends if your bank accepts faster payments. The loan amount and interest rate offered is subject to the lender’s requirements and approval.

Warning: Late repayment can cause serious money problems. For help, visit