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Affordable Loans

No Fees
High Approval Rate
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Borrow a Loan From £100 – £5,000*

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Quickly Search Multiple Lenders To Find The Best Deal

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Most Loans Are Paid on the Same Day

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Apply Anytime, 24 Hours, 7 Days a Week

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Safe & Secure Online Technology

Rates from 12.9% APR to 1625.5% APR. The 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).

WARNING: Late repayment can cause serious money problems. For help, visit moneyhelper. LoanBird are a licenced credit broker, not a lender. LoanBird does not make credit decisions.

Find Affordable Loans in the UK with LoanBird Today!

Step 1
Application
Firstly, select the loan amount you want and how long you would like to borrow it for.
Step 2
Decision
Once you’ve submitted all your information, you will receive a fast decision. We'll show you your options from our panel of direct lenders – review and choose the offer that suits your needs!
Step 3
Cash
Finally, once you have accepted the loan, the lender will send the cash straight to your bank account. Most customers receive the cash on the same day, within 60 minutes.

Find Affordable Loans in the UK – Use Our FREE Search Now

The affordable loans that our panel of lenders offer are designed to meet your specific financial needs without straining your finances. These loans provide a practical approach to borrowing, ensuring that you can access the funds you require without experiencing excessive financial pressure. By applying through LoanBird, you can find competitive interest rates, flexible repayment plans, and a panel of FCA-approved lenders with your best interests in mind.

At LoanBird, we can show you lender offers that are based on your affordability from our panel of trusted direct lenders. How? It all starts by completing your application and providing a few details about you and the loan you need up to £5,000.

By connecting you with affordable loans that match your finances, you’ll easily see what you can afford to pay each month. Our 3-step process helps you do this quickly and connects you with our panel of FCA approved lenders without the need for a hard credit check. 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 budget and is sustainable for you.

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 Financial Conduct Authority (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 FREE platform, you’ll be able to see all the information you need to make an informed decision in one place, being transparent with the terms and ensuring no hidden charges are included.

We are completely FREE to use, meaning we will not charge you for using LoanBird, 24/7, and no credit check is required to review your affordable loan offers. Ready to see affordability loans that match your details? Click apply now to get started 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 LoanBird

Quick and simple online application

Find 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 from affordable cash loans, same day loans, emergency loans, and more

Find an affordable loan with no credit check needed

Over 30 FCA authorised lenders of affordable loans in the UK

Bad credit loans possible, low credit score applicants welcome

Get the cash in your account in under 60 minutes after approval

No brokerage fees – completely FREE to use!

How to Find Loans Based on Affordability, Not Credit Check 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 takes just a few minutes to complete and 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. It’s how we can help you discover suitable loans based on affordability not a credit check, helping those with a poor credit history where possible.

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. Take your time to review 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 where possible, with some customers receiving the money within 10 minutes of signing their loan agreement.

Click apply now to review your affordable loan offers and discover pre-approved options available today.

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 direct lenders can. To be able to see your eligible offers today, you will need to meet the following requirements:

At least 18 years of age

A current 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 affordability loans 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 for your application. 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 are more closely matched with what you can afford to pay. We recommend, to avoid any delay with your application, to have these documents already prepared before applying.

Please note, as a credit broker, we cannot guarantee approval, meaning guaranteed loans are not something we can help provide. We do not make lending decisions ourselves, so your application is subject to the lender performing credit and affordability checks. If you can afford the loan that you request, and the lender determines this, hopefully you’ll have the funds you need in no time.

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Apply Today for Loans Based on Affordability

Ready to see your affordable loan offers? Click apply now and very quickly you could be approved for the loan you want based exactly on what you can afford to pay. If you have any questions about loans based on affordability or need more information about our service at LoanBird, please 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.

Affordable Loan FAQs

An affordable loan not only is something you can comfortably afford to pay back each month, but also one that comes with an affordable rate of interest. As credit brokers, we connect you with the best loan offers from our panel of lenders, with APR starting from 12.9%. 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.

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. An affordable loan has to be sustainable for you for the whole term, and as we can help you find loan terms of up to 5 years, the lender you choose will want to ensure this too.

We’ve helped many applicants with a poor credit history find affordable loans when using our smart search. Each lender will be able to look at what you can afford to pay rather than just what your credit score shows, improving your chances of being approved. You may be declined for having a bad credit rating by other online lenders before they assess your finances, so finding loans based on affordability not a credit check 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.

Most lenders will perform both affordability and credit checks when assessing a loan, but they are separate parts of the approval process. Whereas a credit check will look at your credit history using a Credit Reference Agency (CRA) as well as your current credit score, an affordability check focuses on your current finances and what you can afford after an income and expenditure assessment. At LoanBird, we can help you find loans based on affordability so that if you have poor credit, you won’t be automatically declined like other lenders may do with a low credit rating, improving your chances of getting the loan you need.

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