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Personal Loans Online

Lending amounts of:  up to £25,000

Borrowing periods:  up to 5 years 

APR From 3.1%

 

See all our topics below on personal 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)

Instant personal loans for the UK

It’s as easy as 1 – 2 – 3

  • Step One - Apply

    Select the amount you want to borrow followed by the time period you need for our personal loans.

  • Step Two - Decision

    Once you’ve filled in our online application form, submit your information and receive an Instant decision for one of our personal loans online.

  • Step Three - Cash

    Once you have accepted the loan agreement, the money will be sent straight over to your bank account

Welcome to a more in-depth section about our personal loans. Please feel free to browse through all our information, we hope it helps. If you have any questions you contact our team directly.

Reasons for personal loans

  • General bills
  • New Car
  • Veterinary Costs
  • Consolidating debt
  • Medical expenses
  • Starting a business
  • Weddings
  • Boiler repairs
  • New motorbike
  • Holiday
  • New motorhome
  • Household appliences 
  • Dental costs

Personal loans online instant approval

One of the main questions we’re asked about this loan type is: Do you offer personal loans online with an instant approval? As we advise below, we always aim to cater for a quick approval. However, it’s difficult for any broker or lender to tell you they can guarantee you an approval. That’s why we need to ask certain questions in our application form to help the lenders decision.

At least you will know where you will stand with us as our swift software advises whether you’re successful or not.

Sometimes looking for personal loans on the high street can be difficult. High street loans can be time-consuming and expensive, our loan service has been formed to offer a time effective search tool with the best possible rates.

Our personal loans are unsecured so there is no need for you to use a car or house to qualify for a larger loan. When a large bill hits you on the nose your bank account is going to feel it. There are some really cheap rates available with our lenders, and since the legislation change on interest rates (lenders cannot charge more than 0.8% per day of the amount borrowed) most loan lenders have to be competitive.

Most of our lenders will consider all credit types, and when it comes to depositing the money for you our service speed is second to none.

Quick and easy personal loans

Flexible Terms     

Sometimes bills can be a lot larger than what we expected, most of us cannot afford to pay it off in one go. Our quick and easy personal loans offer flexible borrowing terms that can suit anyone in need of a larger sum of money. With this loan type lending periods are longer, this gives all customers the option to spread their repayment costs if need be.

Whatever amount you decide to choose your repayments will be set at a fixed monthly rate.

  • Lending terms of 1 – 5 years
  • £3000 – £25,000 available

Low APR Personal loans

When applying for our low APR personal loans we will always aim to present the best possible rates for your circumstances. Our rates are between: 3.1% APR and 71.3% APR.

We want to provide as much choice as possible, this is why we offer many different options and loan types. You have the choice of borrowing over a 5 year period, meaning more options to suit your circumstances. A lot of customers tend to prefer a longer term as it reduces the overall amount they pay back per month.

How Quick are Personal Loan Applications? 

Larger personal loans can sometimes take a while to complete with other companies. That’s why we have adopted a speedy, simple online platform for you to access a quick personal loan with fast approvals. If you are looking for an immediate decision you are visiting the right website. You can fill in our short application form at your own leisure any time of the day, on any device.

Once you have been through our application form and accepted the loan for you, our lenders will be in touch. Most lenders aim to send the money over immediately. Your repayments will be set up on a direct debit, and flexible repayment dates will be discussed to suit circumstances.

After Care

Once you’ve got the loan for you, it is important to keep on top of all repayments so your credit score stays nice and healthy.  Usually, lenders send out reminders for you before each repayment day.

Please be aware of all the terms set out by your lender, if you miss any payments you may be charged further fees. Charges will depend on your personal loan agreement, please see your terms and conditions for any failed repayment fees. Fees should not exceed £15.00.

If you find yourself having payment problems we strongly advise that you contact your lender immediately.

Please note: Any continuous arrears or unpaid repayments could lead to a negative note on your credit score. This information might be passed on to a credit reference agency.

Can I Get an Instant Personal Loan Online Today? 

Our instant personal loans online are proving successful results, the average response time from most lenders is under a minute. Loanbird won’t leave you tapping your fingers. If you are approved for a personal loan we could even get the money to you on the same day.

We hold strong ethics in efficiency when it comes to providing a service. Most competitors make the application process more difficult than it needs to be. Our dedicated team employs the understanding that decision delivery time is key.

Be mindful that the deposit can sometimes take a little longer than expected, this is usually due to your bank’s transaction process. If our lender has sent the cash and it has not entered your account yet, it may be best to contact your bank to accept the funds if you need it urgently.

Average Amounts Borrowed

  • 4 out of 5 people borrowing through Loan Bird have used between 5k and 10k for a personal loan.
  • 3 out of 5 people borrowing through Loan Bird have used between 10k and 20k for a personal loan.
  • 2 out of 5 people borrowing through Loan Bird used 15k or more for a personal loan.

 Please Note: The above is based on figures from LoanBirds stats. We looked at an average trend of personal loans borrowed. This could change year to year.

 

 

 

 

 

 

Is There Such a Thing as Quick Cheap Loans? 

You can find a quick and cheap loans service with many different websites, but are they free to use? Do some digging, make sure there’s a soft search process before you apply and always read the terms.

Personal loans are an unsecured loan facility, so they do not require an asset to justify the borrower’s eligibility. A personal loan is commonly known as a larger loan option in the UK. These loans can support higher valued purchases or bills. Here are some of the advantages of unsecured personal loans:

Unsecured Advantages

  • Longer lending terms
  • Spreads the costs
  • Flexible borrowing terms
  • Cheap market rates
  • Fixed repayments
  • Fixed terms
  • Covers higher valued items
  • Can cover larger bills
  • No assets to secure the loan
  • Some lenders consider bad credit loans

Unsecured Info

  • Over £100 billion provided in loans each year
  • Millions of people borrow weekly
  • One of the most popular loan options in the UK

When using a personal loan you should always assess your situation beforehand to make sure you can afford the loan. When applying please ensure all your details are correct and accurate. We have advanced software in place throughout the application process to highlight any incorrect or invalid information.

Note: Sometimes paying a lower loan rate over a longer time period can work out more expensive than taking out a higher rate loan over a shorter period of time.

Personal loan instant approval

Our comparison loan quoting service is free and it compares the vast majority of UK loan providers. This works with the design to supply a quick personal loan online with an instant approval.

Loan Bird is a licensed credit broker, not a lender for personal loans. We do not make decisions for lending or credit to any customer. We only use fully authorised lenders providing personal loans. They are all reputable companies that offer a UK loan service only.

Some companies will try to charge a brokering fee and contact you directly for your information. If you are unsure of where the individual is calling from, we strongly advise not to give your personal details over the phone. Our service is free and we strictly operate online only. We will never call our customers to discuss our loans or to require any personal information.

Note: Our lenders may need to contact you once you have applied for one of our personal loans.

We believe strongly in responsible lending and offer each customer access to a selection of lenders. Rather than applying directly to one lender, try our service, it could offer you further choice and better affordability options.

Note: Most of our loan lenders offer other products. If you want to look at a different loan option just pop your details into our application form to see if we can help.

Examples of other options: Bad Credit LoansGuarantor Loans

Quick personal loans for the UK:

same day deposits

Our customers know how quick our personal loans are.

Online Only

Quick service and response time.

Our service is free

No hidden charges with us.

Flexible Borrowing terms

We have many options to offer, for all types of circumstances.

No Cold calling

We work online only, so no need for us to contact you.

No credit checks from us

No notes on your credit file.

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)

 click to learn about bad credit loans

click to learn about bad credit loans

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.

Loanbird.co.uk 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. Loanbird.co.uk 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 moneyadviceservice.org.uk

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Warning: Late repayment can cause serious money problems. For help, visit moneyadviceservice.org.uk. Our site uses cookies to provide a better experience, see our cookies for more info.