Instant Loans

Here at LoanBird, we make applying for instant loans as easy as 1, 2, 3! Here’s how to do it:

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*.

  • Step One - Apply

    Fill out our quick and easy application form with a few details about the loan you need and your finances. It takes just a few minutes to do online.

  • Step Two - Decision

    We’ll provide you with a decision in seconds, and show you a list of instant payday loans, personal loans and more that you’re eligible for. Simply choose the best deal!

  • Step Three - Cash

    Read and digitally sign your loan agreement. The instant cash loans could be in your bank account within 10 minutes!

Find the Best Instant Payday Loans in the UK

Instant payday loans can be a lifeline when you need to borrow money quickly to cover an emergency expense. Whether you need to pay an unexpected bill or replace a broken oven, putting it off until your next payday often isn’t an option. At LoanBird, our aim is to help you find the best deals on an instant loan online – so you can solve the issue quickly without paying over the odds.

We’re an FCA authorised broker offering instant decision payday loans. We make it easy for you to shop around for the best deals, cutting out hours of work and with absolutely no effect on your credit rating. Most importantly, our instant loans are offered without any broker fees – they’re completely FREE for you to use!

We work with a panel of over 30 of the country’s best FCA authorised lenders of instant cash loans. We’ll match you with the best deals they can offer you on instant cash loans online. All you need to do is fill out one simple application form! The entire process is quick and easy, and we provide you with pre-approval for every option we show you, so you can go ahead with the application confidently. Get started by clicking Apply Now.

a woman looking for an instant loan on her laptop

Benefits of Our Instant Cash Loans

Quick and easy online application

Find instant cash loans up to £5,000

Apply for an instant loan online, 24/7, from anywhere

Instant decision payday loan finder

Choose instant payday loans, personal loans and more

Find instant loans with no credit check

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

Instant bad credit loans available

Cash in your account 10 minutes after approval

No brokerage fees – completely FREE to use!

No Risk Instant Decision Loan Finder

Payday loans have come a long way in the past decade. These instant loans are still designed to be used for emergencies only, and are a more expensive form of borrowing than some others, such as credit cards, credit union loans and borrowing from friends and family. However, they are a much safer and more affordable option for customers now, thanks to protections and price caps put in place by the Financial Conduct Authority. Still, you should always compare instant loans online to ensure you never pay over the odds.

The issue with instant payday loans in the UK, as well as other types of short term loans, is that most direct lenders don’t offer pre-approval without affecting your credit report. FCA authorised lenders of instant payday loans online are required to carry out ‘hard search’ credit checks before they can make any decision. If the first lender of instant loans you apply with doesn’t accept you, or if their rates aren’t the best, it leaves you in a difficult position.

If you go to other direct lenders, and submit more applications for instant approval payday loans, you risk damaging your credit report. This is because with each application, a new credit check is recorded on your file. Future lenders may see this as poor financial management, rather than being savvy and looking for the best deal.

Here’s where LoanBird comes in: not only do we save you precious hours by covering off over 30 instant loan online lenders with one application, we do it all without affecting your credit score in any way. As an FCA authorised broker, we’re able to carry out ‘soft search’ credit checks to show you all of the instant cash loans you’re most likely to be approved for. And because a soft search credit check is never recorded on your credit report, you don’t have to worry about it affecting your future.

a group of people working on their computers

Are You Eligible for an Instant Loan Online?

We keep our eligibility criteria straightforward so we can offer instant loans as fairly as possible. You’re welcome to apply for instant cash loans with LoanBird if you are:

• 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

We don’t have a minimum income requirement, and we don’t expect you to have a certain credit score to apply for our instant loans. We have a wide panel of lenders who are willing to accept almost all financial circumstances, as long as you are able to sustainably afford the instant loans you are applying for. Your income can be from part or full-time employment, self-employment, benefits or a pension.

a team of staff working together

Apply for Instant Approval Payday Loans Here

Getting started with a quick loans application is easy. To apply for instant payday loans in the UK, simply fill out our application form with the amount you need to borrow, how long you’d like to repay it, and a few details about your income and expenditure.

We’ll provide you with an instant decision and show you all the instant loans that you’re eligible for. All you need to do at this stage is choose the best deal.

Once you’ve digitally signed your loan agreement, the instant loan online will be processed immediately. The processes may vary from lender to lender, but most of our partners use Faster Payments and, if your bank or building society can process these, you could have the instant cash loan in your account within 10 minutes.

It’s never been easier to compare instant approval payday loans than with LoanBird. We do all the hard work of finding the best instant payday loans online to suit your finances. Using our service has no impact on your credit score and could save you big money. Best of all, we don’t charge any fees and our instant decision payday loan finder is completely FREE to use.

You have nothing to lose, and so much to gain. Find your ideal instant loan online by clicking Apply Now.


Instant Loans FAQs

How Quick Will an Instant Loan Be Approved & Paid Out?

Once you have been approved by the lender of your choice for an instant loan, you will receive the cash amount into your bank account on the same day. If the lender and your bank support faster payments, you could receive the cash to use within just 10 minutes. This means in only a few minutes in total, you could go from completing our application form to using your new loan amount if you’ve found what you need. We recommend customers to fully review the loan offers before proceeding with an application, ensuring you are happy with the terms available. You can take as long as you need to make a decision, so if you prefer to compare lender offers, you’ll have the opportunity to do so.

Does an Instant Loan Online Have a Maximum Repayment Term?

Our panel of lenders can help with loan terms up to a maximum of 5 years. This will vary between lenders and will depend on the type of loan you choose. Some lenders may limit the maximum term available, for example, if you choose a payday loan option then you may not be able to spread over the long term. When filling in our application form, tell us how long you want to repay the loan for, and we’ll closely match the terms you are looking for. The higher amount of loan you choose, the longer the terms available will be so that you have affordable monthly payments.

Will I Need a Guarantor for Instant Cash Loans with Bad Credit?

It is not a requirement to have a guarantor as part of your loan application unless you are applying for a guarantor loan. As we work with a panel of lenders who are able to help bad credit applicants, you will not be asked to provide a guarantor to support your application. If you have a poor credit history, we can connect you with lenders who are best placed to help you. You will need to demonstrate your ability to afford repayments and sustain them, so we recommend checking your finances before continuing with an application.


More Additional Info to Instant Loans Online:

No Credit Check Loans

Small Loans

£500 Loan

15 Minute Loans

High Acceptance Loans