Cheap Loans

Looking for a Cheap Loan? Find cheap loans in the UK the easy way using 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 cheap loan with LoanBird

  • Step 1 - Application

    Simply fill out a quick application with a few details about the cheap 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 cheap 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 cheap loan agreement and receive the cash in your bank account within just 10 minutes!

Find Cheap Loans in the UK Through LoanBird

At LoanBird, we can help you connect with UK lenders offering cheap loans that are ideal when you are on a tight budget. As an FCA authorised broker, we work alongside a panel of lenders to provide our customers with the right loans quickly, able to provide approval within minutes. With so many lenders online offering financial help, it can be difficult to work out which are the cheapest to use. The last thing you want is to be charged too much for a service or find that a lender has added hidden fees or charges you weren’t aware of. Here at LoanBird, we are able to help you see the cheapest loans available that match your current circumstances.

Whether you have a good or bad credit rating, we can connect you with an FCA approved UK lender of cheap loans. With APR rates from 49.9%, you’ll find plenty of options that are cheaper than many other payday loans online. Our simple to use 3-step platform will quickly show you the available offers and you could have the funds in your bank account within just 10 minutes. Why not find out what’s available using our FREE service today, all without the need for a credit check – Apply Now.

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What are the Benefits of Finding Cheap Loans Through LoanBird?

Quick and easy online application

Find cheap loans up to £5,000

Apply for cheap loans online from anywhere

Instant decision cheap loan finder

Choose instant cheap loans, business loans, personal loans and more

Find a cheap loan with no credit check required

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

Instant bad credit loans available

Cash in your account 10 minutes after approval

No brokerage fees – completely FREE to use!

How to Find & Choose Cheap Loans Easily

Everyone wants to find the cheapest loans online, but surprisingly many people end up choosing lenders who are the opposite of this. It can be difficult navigating the many different lender offers when searching online, sometimes taking hours of searching and comparing. That’s why here at LoanBird we developed our smart platform to take away the hassle of doing so, connecting you with cheap loan lenders who want to help you get the funds you need whether you’re looking to do home improvements, purchase a new car or anything else you need to fund.

The added benefit of using us to find a cheap loan is that we are completely FREE. No hidden fees from us and we also do not charge a brokerage fee. You can fill in an application form and see your available loan offers without spending a penny and have no credit check performed either. We’ll run a ‘soft check’ of your credit file where we will be able to see your financial history, but this will not appear on your credit report and will not affect your current credit score. This is all part of our aim to help customers make better decisions when it comes to borrowing. Our platform lets you browse at your own pace so you can review the cheap loan offers and make a savvier decision for your finances.

Try it your self today and see your own personalised cheap loans in the UK – Apply Now.

Am I Eligible for Cheap Loans in the UK?

Our eligibility criteria for cheap loans is simple; we made sure it was this way so that we can help as many people as possible. We can offer cheap loans quickly and fairly, providing satisfaction for all applicants. You can apply for our instant cheap 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

Meeting the above means you can see your eligible offers today. As part of your application, you will need to provide us with a few short details about your finances. This includes information about your income and expenditure. We recommend all customers spend time on working out their disposable income before submitting an application, as you’ll be able to see if you can afford further borrowing without impacting any essential outgoings. Once you have chosen a lender, you will need to provide documents such as proof of ID, proof of address and your last few months’ bank statements. This information will assist the lender of the cheap loan you want in providing approval. The quicker you can provide this information, the quicker the funds will be deposited to your bank account.

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Apply for Cheap Loans Today

Ready to start searching for your available offers? Just click Apply Now and you could find a lender in minutes. If you need any further information about our services here at LoanBird, please do get in touch to speak to our team. You may also want to browse our FAQs and find answers to common queries we receive.


Cheap Loans FAQs

What APR can I Expect with Cheap Loans?

We aim to connect you with the cheapest loan lenders in the UK against your individual circumstances. The APR on a cheap loan will vary from lender to lender as well as the type of loan, such as a personal loan or bad credit loan. All loan offers we can connect you with start from 49.9% APR, but we recommend reviewing the offers and the APR rates carefully to ensure you are happy to proceed with the loan. Remember, our service is FREE to use so you spend time reviewing the loan offers and making the right decision for your circumstances.

Can I Still Get a Cheap Loan with Poor Credit?

Yes, we can help you connect with lenders of cheap loans in the UK even if you have bad or poor credit. We understand that not everyone has an excellent credit score, but if you have the affordability to make repayments and can demonstrate this, lenders will be willing to help you. As an FCA authorised broker, we will only connect you with lenders who are also FCA approved. This means they will follow responsible lending guidelines to ensure they will only offer a cheap loan to customers who can afford them.

If I Can Afford to, Can I Pay off a Cheap Loan Early?

If you are in a position to clear your loan balance quicker than the repayment schedule, you should contact the lender directly to discuss. Most lenders will accept early repayment to settle a balance, but some may charge an early repayment fee to do so. This should be detailed in your credit agreement. If not, contact the lender and they will advise if any fee is due.


Related Info to Cheap Loans:

Short Term Loans

0% Interest Loans

100% Acceptance Loans

Affordable Loans

Low APR Loans