Quick Loans

In urgent need of funds? Discover hassle-free quick loans at LoanBird. We specialise in finding the best quick loans for bad credit in the UK, ensuring you can find the best terms when speed is of the essence. With LoanBird, you can avoid the stress of endless searching and potential credit score impacts using our free-to-use, unique online platform. We’ll connect you with our panel of over 30 FCA-approved lenders who can look to offer pre-approved, competitive options tailored to your needs. Experience the simplicity of one application for multiple offers, all without affecting your credit score. Start your search with us now – fast, efficient, and absolutely free to find a quick loan.

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

Get A Quick Loan in the UK Today!

  • Step One - Apply

    To apply for our loans online, you only need to spare a few minutes. First, choose the type of loan you require and the repayment period.

  • Step Two - Decision

    Next, provide your details and receive prompt decisions from our reliable partner lenders. Compare the offers and select the most suitable one.

  • Step Three - Cash

    After accepting the loan agreement, the funds can be transferred to your bank account within as little as 60 minutes!

Understanding A Quick Loan And How They Can Be Useful

Quick loans can come in handy during an emergency when you’re unexpectedly faced with a bill. It’s pretty easy to find quick loans for bad credit in the UK. However, when you’re in a hurry, you may not always get the best offer for bad credit. At LoanBird, we aim to ensure that you locate the best quick loans online, so you can access the funds you need quickly without having to overpay.

When in a rush to acquire the best quick loans in the UK, you may not have the privilege of browsing around for the top deals. Going from one direct lender to another is an inconvenience you don’t want to deal with, especially when you’re already in a stressful circumstance. And if you require quick loans for bad credit, the situation can become even more challenging. Filling out multiple application forms after being rejected not only consumes your time, but may also further harm your credit rating due to multiple hard search credit checks.

At LoanBird, we’ll assist you in locating the finest quick loans for bad credit in the UK. We’ll match you with the best quick cash loans from a pool of over 30 FCA-approved lenders. You’ll already have pre-approval for all the quick and easy loans we present to you, allowing you to choose from our selection with confidence. We accomplish all of this without leaving any marks on your credit report.

The procedure is straightforward: we are an FCA-approved broker with a distinction – our services are entirely FREE to use! You only need to complete one straightforward application form, which saves you hours spent visiting various lenders, preserves your credit score, and still guarantees that you receive the best deal. Ready to begin? Click Apply Now!

a girl looking at her bills considering to get a quick loan

Quick Loans for Bad Credit

Accessing a wide range of loans online is made easy and free with our comparison tool, putting the world of finance at your fingertips. Regardless of whether you require the best quick loans in the UK, guarantor loans, or personal loans, we are here to assist you.

The best part? You don’t have to spend time researching and understanding the differences between different types of quick loans for bad credit in the UK. We understand that it can be confusing, and ultimately, what matters most is your specific needs. Simply tell us how much you need to borrow and the repayment term, and we’ll handle the details and match you with the most suitable loan type.

If you are searching for a quick cash loan and have a less-than-perfect credit score, you can rest easy. We offer several quick loans for bad credit, and we’ll only display those that you are more likely to be approved for.

You will already have pre-approval for these loans, giving you the confidence to move forward and ensuring that you don’t waste your time. While we cannot guarantee that every loan application will be approved, our pre-approval process offers a much higher likelihood than applying blindly. It is critical that you provide us with accurate information to avoid slowing down or completely rejecting your application. We successfully match a high number of people with online loans and help 8 out of 10 applicants find a quick loan for bad credit.

To increase your chances of being approved for a quick loan in the UK, you can only apply for loans that you are confident you can afford. Many of our lenders evaluate affordability, which is why they can offer a quick loan for bad credit. They will examine your income and regular expenses to ensure that you can cover the payments on your quick and easy loans and have extra funds available for living expenses. This is fantastic because it reduces the number of borrowers who default on their loans, which can have serious consequences for their credit ratings.

a man checking if he can get a quick loan with bad credit

Can You Get Payday Quick Loans in the UK?

Our aim is to assist as many people as possible in obtaining loans online, including loans for bad credit. You can apply for our quick loans for bad credit if you meet our lender’s simple eligibility requirements. You must:

  • You must be at least 18 years old.
  • You must be a UK resident.
  • You must have a valid debit card linked to a UK bank account.
  • You must have a steady source of income.

Your income can come from full or part-time employment or self-employment, and some lenders may even offer a quick loan in the UK to people who only receive benefits. To evaluate your affordability, your lender may require proof of your eligibility, and it may be helpful to have your bank statements from the previous few months on hand.

If you have bad credit, you may feel that you cannot find financial assistance. It is important to distinguish bad credit from bad debt, which refers to those who have fallen into a debt repayment plan or write off. Obtaining a loan with bad debt is usually not possible, unless you consider a guarantor loan. However, with LoanBird, having bad credit does not immediately disqualify you from applying for a loan. Many of our lenders accept bad credit applications.


an infographic showing the process of a quick loan

The Process Of Applying For Loans

Quick loans can be easily applied for online, offering a fast and efficient approach compared to traditional loan options. If your application is approved, you could receive the loan within 24 hours, and sometimes as quickly as within an hour.

The process typically involves the following steps:

  • Submit your loan application, which will undergo a review process by the lender.
  • The lender will assess your situation, including the reason for your loan and your ability to repay it.
  • Your creditworthiness will also be checked by the lender.
  • If the loan is approved, you will receive a confirmation email or letter with a copy of your loan agreement to sign.
  • The lender will then transfer the funds to your bank account.

Your loan agreement will outline the terms of the loan, including the interest rate and repayment period, as well as any fees or charges for late payments.

a pretty girl holding a banner introducing quick payday loans with direct lenders

What Are Quick Payday Loans And Who Offers Them?  

Quick payday loans are a type of loan that can be obtained rapidly, and there are numerous lenders available to apply with. To understand how to apply for these loans, one must first comprehend what quick payday loans are, who provides direct lending services, and how the two are related.

Lenders are usually more interested in your current financial condition than your credit rating. The loan is meant to be repaid when you get paid by your employer (usually within a month of getting the loan).

Consider the following points when seeking a quick payday loan:

  • Payday loans generally have high-interest rates and a short repayment term.
  • They should not be used for long-term financial needs due to their high cost.
  • If you use them for a high-cost purchase, you will have to pay higher interest rates for a longer period.
  • Only consider taking out these loans for financial emergencies.
  • Work with approved credit brokers and lenders.

a young man showing how quick the loan process is with loanbird

How Fast Can You Get a Quick Loan with a Direct Lender?

Getting a quick loan with bad credit from a direct lender can take some time and effort since you have to qualify for each lender individually. It’s important to research and choose the right lender to fit your needs. If one lender denies your application, you may have to start the whole process over with another lender.

However, if you do find the right lender, the process can be quick, as some lenders offer same-day payday loans.

Direct lenders are financial institutions that assess your credit report and determine whether you qualify for a loan. If you meet their criteria, they will process the loan directly to you. Keep in mind that different lenders have different guidelines, loan amounts, and time frames.

two people being careful when applying for a loan online quickly

What Is a Quick Loan With No Guarantor?  

A quick loan without a guarantor is essentially the opposite of a guarantor loan. It’s a loan that doesn’t require a co-signer to vouch for you and repay the loan if you’re unable to. This type of loan can provide a rapid response as there’s no need for additional people to sign on your behalf, which can lead to a lot of back-and-forth. Plus, not having a guarantor means you can avoid the hassle of additional paperwork.

At LoanBird, anyone can apply for a no guarantor loan, even if they have a poor credit rating. If you know you can’t secure a loan on your own, a guarantor would typically be the next option.

a happy woman applying online for a quick loan with no guarantor

How to Apply for Quick Payday Loans and More

Our application process is designed to be both quick and easy, so you can get the money you need without any unnecessary delays. You can apply for quick loans online from your computer, tablet, or mobile phone, giving you the freedom to apply from anywhere with an internet connection.

The application form should only take a few minutes to complete, but it’s important to ensure that all the information you provide is accurate. This will help to avoid any delays or issues later on in the process.

Once you’ve submitted your application, our super-fast technology will instantly match you with the best quick cash loans for your needs. All the lenders we work with are trusted, FCA-authorised providers of quick loans in the UK, so you can be confident that you’re making the right decision.

After you’ve selected the loan that’s right for you and accepted the terms and conditions, the money from your same-day loan can be in your bank account in as little as 10 minutes. It’s important to read the terms and conditions carefully, as they contain important information about your loan and repayment obligations.

Get A Quick Cash Loan Today

Looking for quick loans online can be overwhelming, but we’re here to help. Our aim is to assist you in finding quick loans for bad credit without any stress or hassle. We have already helped many people find the right quick payday loans in the UK, and we can do the same for you. With our service, you’ll save time and avoid damaging your credit score by finding the best deal possible. Our process is quick, easy, and completely free!

If you have any questions or need more information before you submit your application, it’s quick and easy to contact LoanBird online. Once you’re confident that our fast and free services are the best way to find a quick loan in the UK, all that’s left to do is apply!

Quick Loan FAQs

Our FCA-authorised credit broker only connects you to reliable, trustworthy direct lenders of easy quick loans. We ensure that the lenders available through our FREE search are FCA approved, making it easier for you to choose a responsible lender. Regardless of your credit score, we aim to match you with loan terms that are suitable for you.

Yes, typically a credit check is part of the process when applying for a loan. This is because your credit score reflects your creditworthiness and repayment history. A lower score may result in higher interest rates or less favourable loan terms.

Yes, having a valid bank account is a requirement when applying for a quick loan with bad credit through us, even if it is for a smaller amount such as a £100 loan. This ensures that the loan amount is paid to the correct applicant in a secure manner. Any online lender offering cash loans without a bank account requirement may not be following responsible lending guidelines. Receiving the loan amount in your bank account is also a faster process, with some applicants receiving the loan within 10 minutes of approval.

Depending on the type of loan, you can apply for easy quick loans up to £15,000 through us. However, some lenders may limit the amount you can borrow, for example, up to a maximum of £3,000. When filling out our application form, simply state the amount you need and we’ll match you with lenders who can offer that amount.

When applying for a quick loan online, be cautious of brokers who charge you for loan searches. We offer a FREE search to connect you with lenders, ensuring you don’t incur additional costs. It’s important to thoroughly read and understand the loan terms and clauses before agreeing to them. Once you receive your loan, use it responsibly, such as paying off debts or urgent expenses. Be sure to make timely repayments to build a good reputation with your lender, which can benefit you in future dealings.

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