£400 Loan

Search and find £400 loan lenders using our 3-step process here at LoanBird. Here’s how:

Representative APR: 49.9% | Representative Example: Loan Amount: £1,000 over 12 months at £107.53 per month. Total Repayment: £1,290.36 | Interest: £290.36. Interest rate: 49.9% p.a. Fixed*.

Get A £400 Loan With LoanBird Today

  • Step 1 - Application

    Simply fill out a quick application with a few details about the £400 loan you require along with your current finances; it only takes a few minutes.

  • Step Two - Decision

    We’ll give you a decision in seconds, and you’ll see a list of £400 loans in the UK, personal loans and more that you’re eligible for. All you have to do is choose the one you want!

  • Step Three - Cash

    Digitally sign your £400 pound loan agreement and receive the cash in your bank account within just 10 minutes!

Find £400 Loan Lenders Easily with LoanBird

A £400 loan can be the ideal cash injection to help you pay for a short term financial circumstance. If you’ve had a financial emergency recently and do not have the funds in savings to cover it, a quick £400 pound loan can be exactly what you need. Here at LoanBird, we have a panel of lenders ready and waiting to provide our customers with the loan they want. With just one application, you’ll have access to over 30 FCA approved lenders using our completely FREE search tool. We’ve designed our platform to be as simple as possible to use so that you can find your pre-approved lender offers in no time at all.

Accessing your pre-approved £400 loan offers takes just a few minutes, and all we need to know is the loan amount you want, the repayment term and a few details about your finances. We’ll then work fast to show you the lenders who can match your requirements for £400 loans. You can then take your time to browse and compare the lender offers and make a decision on the one you want to continue with. Sounds good? Click apply now to see your personalised £400 loan offers right away.

a man in glasses looking for £400 loans on his tablet

What are the Benefits of Using LoanBird to Find £400 Loans?

Quick and easy online application

Find loans up to £15,000

Apply for £400 loans online from anywhere

Instant decision £400 pound loan finder

Choose instant £400 loans, guarantor loans, personal loans and more

Find a £400 pound loan with no credit check required

Over 30 FCA authorised lenders of instant £400 loans in the UK

Instant bad credit loans available

Cash in your account 10 minutes after approval

No brokerage fees – completely FREE to use!

Choose a £400 Loan from Trusted, Reliable Lenders

When you’re in the market for £400 loans, finding trusted lenders isn’t as easy as it may seem. Whilst there are many lenders online who help you, not all are working in your best interests. Some lenders of £400 loans may charge hidden fees as part of your application, whilst others may charge high interest rates that take advantage of applicants with bad credit. Using a credit broker like LoanBird can take away the confusion over which lenders can be trusted. We are FCA authorised brokers meaning we only connect you with lenders who are on the FCA register. When you see your £400 pound loan offers, you can then review the terms available with the peace of mind that you’ll be treated fairly.

We’ll also never charge you to view the £400 loans available, with our platform completely FREE to use. It’s all part of our mission to help customers of all financial backgrounds access the information they need to make better financial decisions. Then, if you find an offer that works for you, complete your application with the lender of your choice. You could receive the new funds within just 10 minutes of signing your digital loan agreement thanks to faster payments.

Are You Eligible for a £400 Loan?

The eligibility criteria for £400 loans are simple to meet; we made sure it was this way so that we can help as many people as possible. We can offer £400 loans quickly and fairly for our customers to help you make savvy decisions that work for you. You can apply for our instant £400 loans if you are currently:

At least 18 years of age

A resident in the UK

Hold a UK bank account with a valid debit card

Receive a regular income

If you can meet the above criteria, you’re one step closer to finding a £400 pound loan today. Once you have chosen a lender from your available offers, you will need to provide further documents as well as undergo a full credit check. You’ll need to have proof of identity, proof of address and your most recent bank statements available as part of your application. We recommend having these ready before you choose a lender to avoid any delay in a lending decision.

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Apply Today to See Your £400 Loan Offers in an Instant

If you’re ready to view your available offers, click apply now and we can help you find the right £400 loan for you. Have any questions? Please get in touch with the LoanBird team if you need further information about our service. You can also view more helpful answers in our FAQs section.


£400 Loan FAQs

How Long Can I Choose to Payback a £400 Loan?

You have the flexibility to choose how long you wish to payback a £400 loan when you fill out our  application form. You will see a dropdown menu of repayment months you can choose from for the amount you want to borrow, with the maximum term for any form of personal loan or short term loan being 5 years. We do not encourage customers to take out a loan longer than is needed, so it is always best to review how much you can afford to pay and pay off the £400 loan you take out quicker where possible.

What Happens if I Miss a Repayment on a £400 Pound Loan?

If you do miss a repayment, you will need to contact the lender directly to arrange this to be paid. The lender will be able to come to an agreement with you on a suitable timeframe to repay the missed payment. If you feel you will continue to miss repayments, you should let the lender know as soon as possible. Missed payments can lead to late charges on your account and if continually missed, can lead to you defaulting on the £400 loan. If your financial circumstances have changed, you should seek independent financial advice, such as Citizens Advice or The Money Advice Service, as well as talk to your lender.

Can I Borrow a Higher Amount than a £400 Loan?

If a £400 loan is less than what you need to borrow, you can select a higher amount when completing an application with us. Just select the amount up to £5,000 you want to borrow and how long for. A £400 loan is a good short term option to cover an emergency expense, such as with a payday loan, but not a long term option. At LoanBird, we are happy to help customers apply for the exact amount they need depending on your affordability. We cannot guarantee you will be successful in your loan application, but we will connect you with lenders who are best placed to help and which you will be pre-approved for.


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