£400 Loan

Quickly find £400 loans here at LoanBird when you’re experiencing financial difficulty due to an unexpected bill or payment. Find FCA-approved lenders who are happy to offer you the £400 loan you need, and borrow your loan over a 1 to 36-month period. Explore our £400 loan page now to find all the information you require about finding a lender through our service.

Rates from 12.9% APR to 1625.5% APR. Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

Get A £400 Loan 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 60 minutes!

Easily Find Lenders for a £400 Loan with LoanBird

If you’re facing a short-term financial emergency and need a £400 loan quickly, LoanBird can help. With our panel of over 30 FCA-approved lenders, you can easily find the loan you need with just one application – all for free! When you’re looking for loans for a 400 credit score in the UK, we can help. Even if your credit score is lower than 400 points, we encourage you to apply!

Our platform is designed to be user-friendly, so accessing your pre-approved loan offers takes just a few minutes. Simply provide us with the loan amount, repayment term, and some information about your finances, and we’ll show you a list of lenders that can match your requirements for a £400 loan.

Once you’ve received your personalised offers, you can take your time to browse and compare them, and select the one that best suits your needs. Click Apply Now to see your options for a 400-pound loan today.

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

Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

Check My Eligibility

It won’t affect your credit score

The Advantages of Using LoanBird to Discover £400 Loans

Our online application process is quick and simple.

Loan options are available up to £15,000.

Apply for a £400 direct lender loan online from anywhere.

Get an instant decision on your loan application.

Choose from various loan types, including instant £400 loans, guarantor loans, personal loans, and more.

Find a 400-pound loan without requiring a credit check.

Access to over 30 FCA-authorised lenders in the UK that offer instant £400 loans.

Instant bad credit loans are also available.

Get cash in your account within just 60 minutes after approval.

No brokerage fees – our service is completely free to use!

Choose a Trustworthy Lender for Your £400 Loan

Finding reliable lenders for a £400 loan with bad credit can be a challenge. Many online lenders may not have your best interests at heart, with some charging hidden fees or imposing high interest rates on those with bad credit. LoanBird can help you navigate this confusing landscape by connecting you only with FCA-registered lenders who are committed to treating you fairly.

Our platform is completely free to use, and we’ll never charge you to view available £400 loans. With LoanBird, you can rest assured that you’re getting the information you need to make informed financial decisions. We know how difficult it can be when you’re looking for loans for a 400 credit score in the UK – which is why we consider applicants with credit scores that are 400 and lower!

Once you’ve reviewed your £400 direct lender loan offers, simply choose the lender that best suits your needs and complete your application with them. Thanks to faster payments, you could receive the funds in your account within just 60 minutes of signing your digital loan agreement.

At LoanBird, our goal is to empower customers of all financial backgrounds to make better decisions. Choose us to find your £400 loan, and trust that you’re in good hands.

Are You Eligible for a £400 Loan?

At LoanBird, we’ve made the eligibility criteria for £400 low credit score loans from our lenders simple and easy to meet. Our goal is to help as many people as possible make smart financial decisions by offering quick and fair access to £400 loans. You can apply for our instant £400 loans if you meet the following requirements:

You’re at least 18 years of age.

You’re a resident in the UK.

You hold a UK bank account with a valid debit card.

You receive a regular income.

If you meet the above criteria, you’re one step closer to finding a £400 loan for bad credit today. Once you’ve selected a lender from your available offers, you’ll need to provide further documents and undergo a full credit check. These documents include proof of identity, proof of address, and your most recent bank statements. To avoid any delay in the lending decision, we recommend having these documents ready before you choose a lender.

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

Ready to see your pre-approved £400 loan for bad credit offers? Simply click apply now and we’ll help you find the ideal loan option for your needs. If you have any questions about our service or need more information, please don’t hesitate to contact us if you need further information about our service. You can also view more helpful answers in our FAQs section.

Check My Eligibility

It won’t affect your credit score

£400 Loan FAQs

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

We are able to offer flexibility in the repayment options for our customers who want to take out a £400 loan. You can select the repayment period when you fill out our online application form. We offer a range of repayment terms, and you can choose the one that works best for you. Our dropdown menu provides options for repayment periods, and the maximum repayment term for any personal loan or short term loan is five years. However, we always recommend that customers choose a repayment term that suits their financial situation and allows them to repay the loan quickly to avoid unnecessary interest charges.

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

In case you miss a repayment, you must get in touch with the lender to make arrangements for payment. They can help you work out a suitable timeframe to pay back the missed payment. If you anticipate that you will miss future payments, it’s important to notify the lender as soon as possible. Late payments may result in additional charges, and repeated missed payments can lead to defaulting on the £400 loan. If you are facing financial difficulties, you should seek impartial financial advice from organisations like Citizens Advice or Money Helper, in addition to contacting your lender.

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

If our £400 low credit score loans aren’t enough for your needs, you can apply for up to £5,000 by completing an application with us. However, it’s important to keep in mind that borrowing a higher amount also means a longer repayment term and potentially higher interest rates. While a £400 payday loan can be a good short-term solution for unexpected expenses, a higher amount may require a more long-term financial plan. At LoanBird, we strive to help our customers find the right amount for their needs and budget, but we cannot guarantee approval for any loan application.