How it Works

A Quick Example of How it Works

Applying with Loan Bird is as easy as 1 – 2 – 3

1. Apply > 2. Decision > 3. Cash

Bad Credit Loans

Guarantor Loans

Short Term Loans

Personal Loans

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Step One:

Fill in one of our easy application forms.

Our lenders can provide many types of loans which can be accessed via any particular device compatible with the internet. Choose the value you want to lend plus the duration you require, then just pop your information into where it’s requested.

Various loans available with:

  • Lending amounts: between £100 – £5,000
  • Loan terms: up to 3 years
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Step Two:

Always a quick decision

When the online application form is complete you will receive a decision on your loan immediately. If you’re approved by any lenders all the terms will be clearly detailed from the offset for you. Meaning, you’re in control and you’ll be able to check everything before you decide to go ahead.

  • Application form: 3 – 4 minutes on average
  • Decision in seconds: We search multiple lenders
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Step Three:

Receive your cash in the most
convenient way.

When you have accepted the loan agreement, the money will be sent straight over to your bank account. Most customers receive the cash on the same day, within 10 minutes.

  • Online transfer: Sent to the account of your choice
  • Quick cash: Same day approvals available

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).

Our website is completely free for you to use, but we may receive a commission or fee from some of the companies we feature or introduce you too. is a registered Trading Name of RJW Assist LTD. RJW Assist LTD is registered in England and Wales (Company number: 09470548). Registered Address: Brook House, 40 Cuthbert Road, Stockport, Manchester, SK8 2DT. Licenced by the Information Commissioners Office: registration number: ZA436430. RJW Assist LTD is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under the reference number: 788094. We are a licenced credit broker, not a lender. does not provide any loan or consumer credit products directly.

Timescales on receiving your funds may vary from lender to lender and depends if your bank accepts faster payments. The loan amount and interest rate offered is subject to the lender’s requirements and approval.

Warning: Late repayment can cause serious money problems. For help, visit