Affordable Loans

Search for affordable loans quickly and conveniently using LoanBird today. Here’s how to follow our 3-step process:

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)

Find Affordable Loans With LoanBird, Now!

  • Step 1 - Application

    Fill in an application form with a few details about you and the affordable loan you want to apply for. This only takes a few minutes, then we’ll show you the available offers.

  • Step Two - Decision

    Within a few seconds, you can browse and decide on the loan you like the look of and continue your application with the lender. You’ll see a list of the affordable loan offers all in one place for convenience.

  • Step Three - Cash

    Once you’ve submitted your application, you’ll get a quick decision and if approved, sign your digital loan agreement. You’ll get same day funding, sometimes as quick as in 10 minutes!

Find Affordable Loans & Quickly Apply Through LoanBird

It’s important to be able to afford the loan you want to borrow, so here at LoanBird, we can show you lender offers that are based on this. By connecting you with affordable loans that match your finances, you’ll easily see what you can afford to pay each month in an instant. Our 3-step process helps you do this quickly and connect you with our panel of FCA approved lenders. No responsible lender wants to approve a loan you cannot afford to pay back, so by offering loans based on affordability, this will ensure the loan matches your circumstances.

As FCA authorised brokers, we will only ever put you in contact with affordable loan lenders that follow responsible lending guidelines set out by the FCA. We know it can be difficult to spot the best lenders when searching online as some may charge hidden fees despite looking like an affordable option. By using our platform, you’ll be able to see all the information you need to make an informed decision, being transparent with the terms and ensuring no hidden charges are included. We are completely FREE to use also, so we will not charge you for using LoanBird, and no credit check is required to review your affordable loan offers. Click apply now and see which of our lenders can help you today.

a woman applying for affordable loans on her laptop with loanbird

The Benefits of Finding Affordable Loans with Us

Quick and simple online application

Find affordable loans based on affordability up to £15,000

Apply for affordable loans online from any device, anywhere

Get an instant decision when you find an affordable loan

Choose an affordable loan, such as personal loans and more

Find an affordable loan with no credit check needed

Over 30 FCA authorised lenders of instant affordable loans in the UK

Bad credit applicants welcome

Get the cash in your account as soon as 10 minutes after approval

No brokerage fees – completely FREE to use!

How to Find Loans Based on Affordability with LoanBird

Our service is quick and convenient to use, only requiring one application form to be completed to see all your offers in one place. The application will only take a few minutes to complete and just requires a few details about the loan you’re looking for and your current finances. Our intelligent search will then immediately show you your affordable loan offers, all matching the terms you have requested. At this stage, only a ‘soft check’ of your credit history will be made which doesn’t show on your credit file. It also won’t impact your credit score, so you can freely check your loan offers and if you decide to change your mind, this won’t negatively affect your credit rating.

We want to help customers make financially savvy decisions that benefit them, that’s why our platform is designed to present all the information you could need. You can take your time reviewing the affordable loans available and once you have found an offer you like the look of, continue your application. You can get same day funding if fully approved by the lender, with some customers receiving the money within 10 minutes of signing their loan agreement. Click apply now to review your affordable loan offers.

Are You Eligible for an Affordable Loan?

The criteria to apply for affordable loans is simple and allows us to help many more people than other lenders can. To be able to see your eligible offers, you will need to meet the following:

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 meet the minimum requirements, you’ll be able to see your lender offers in minutes. As well as a full credit check needed once you have found a lender you want to apply through, you will be required to provide supporting documents also. This is usually proof of identity, such as your driving licence, as well as proof of address from a utility bill. Many lenders may also require your most recent bank statements to be able to assess your affordability. This way they can match loan offers that more closely match what you can afford to pay. We recommend to avoid any delay with your application, to have these document already prepared before applying.

a man and woman in their work place

Apply Today for Loans Based on Affordability

Ready to see your affordable loan offers? Click apply now and in no time you could be approved for the loan you want. If you have any questions about loans based on affordability or need more information about our service, please do get in touch today and speak to our team. We’re on hand whenever you need us to help you get the most out of using LoanBird.

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Affordable Loans FAQs

What Interest Rates Should I Expect with an Affordable Loan?

An affordable loan not only is something you can comfortably afford to pay back each month, but also one that comes with a great rate of interest. As credit brokers, we connect you with the best loan offers from our panel of lenders, with APR starting from 49.9%. The exact interest rate will vary between lenders, but you will be able to review all of this information before deciding on a lender to apply for. Many factors can impact how much interest you pay on an affordable loan, including your credit rating, how much you can afford to pay and how long you want to take the loan out for. We recommend reviewing your options thoroughly so that you can make the best choice for you.

What’s the Maximum I Can Borrow with an Affordable Loan?

The maximum amount you can borrow will vary between lenders, but we can help you find affordable loans up to £15,000. Not all loan types will be able to offer the maximum amount, with some limiting this to a maximum of £5,000. When you fill out our application form, you can advise us of the amount you want to borrow and then we’ll match you with the lenders that are able to offer this. We do not encourage customers to apply for the maximum amount available, so you should only apply for the amount you need to cover the expense you want to make.

Are Loans Based on Affordability ideal for Bad Credit Applicants?

We’ve helped many bad credit applicants find affordable loans when using our smart search. As the lenders will be able to look at what you can afford to pay rather than just what your credit score shows, this can improve your chances of being approved if you can show your affordability. Other lenders online may decline you for having a bad credit rating before assessing your finances, so finding loans based on affordability is ideal if your credit history is poor. We always recommend checking your own income and outgoings to determine your disposable income so you know what you can comfortably afford to pay.

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Related Info to Affordable Loans:

£300 Loan

Short Term Loans

Payday Loans

Benefit Loans

Low APR Loans

 

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).

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