Text Loans

Easily search for and find text loans on your device using our 3-step process today. 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*.

Discover Text Loans With LoanBird

  • Step 1 - Application

    Complete our online application form in minutes, providing a few personal details and the text loans you’re looking for.

  • Step Two - Decision

    We’ll show you text loan lenders in seconds from our panel of over 30 lenders. Just browse and choose the offer you wish to proceed with.

  • Step Three - Cash

    Receive your loan agreement to review and sign, then receive the cash into your bank account within 10 minutes!

Apply from Your Device for Text Loans Through LoanBird

You may have heard about text loans which are a way to borrow money with a lender just by sending a message. Whilst these are fairly simple to apply for, they don’t offer the lowest rates available for a loan and lack the options and experience of using a full website. Since smartphones have taken off over the last decade, accessing text loan lenders is made even easier as you can visit a mobile version of a website instead. Here at LoanBird, you can visit us from any device and still receive a quick service, connecting you with alternative text loan lenders in minutes.

With just one application, you’ll have access to over 30 lenders of alternative text loans in the UK to choose from. It’s completely FREE to review your loan offers and you won’t need to undergo a credit check to do so either. A ‘soft check’ of your credit history will be performed which will enable the lenders we can connect you with to check your suitability. You’ll then be pre-approved for the alternative text loans we show you, so all you have to do is choose.

a young woman using her mobile to apply for text loans

The Benefits of Finding Text Loan Lenders Through LoanBird

Quick and easy online application

Find text loans up to £15,000

Apply for text loans in the UK online from anywhere on any device

Instant decision text loans finder

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

Find text loan lenders with no credit check required

Over 30 FCA authorised lenders of instant text 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 Alternatives to Text Loans in the UK Easily

Rather than spend hours browsing online for text loans in the UK, save time by using a credit broker service like ours at LoanBird. With just a few personal details and information about the loan you want, you can choose from the best alternative text loans in minutes. Whether you need a quick £100 loan to cover an unexpected expense, or something more long term to purchase a car or fund home improvements, you can borrow up to £15,000 in an instant. Being able to easily browse the lenders offers available by using our website is a better experience than relying on text loans or other non-user-friendly methods.

The lure of text loans is convenience and speed. At LoanBird, we can offer a fast experience that not only shows you multiple loan offers but also helps you apply online and get the funds into your bank account within 10 minutes of signing. Our focus on providing the best customer service and online user experience from any device means you won’t find a quicker FCA authorised credit broker.

Are You Eligible for Text Loans?

To start reviewing your offers, you’ll need to meet our eligibility requirements which are kept simple, allowing us to help many more people. You will need to be:

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

You’ll be one step closer to being approved by meeting the above. Once you have reviewed all our alternatives to text loans, if you find one to continue with, you’ll need to then provide the lender with additional information. Usually, this will involve providing proof of identity, proof of address and your most recent bank statements. This helps the lender identify you to run a full credit check and to assess your affordability for the loan you want. If all goes to plan, you will then receive your digital loan agreement to sign and the funds into your account.

a smartly dressed man using his iPhone

Apply Now for Text Loans in the UK & Get Quick Cash

If you’re ready to see alternative text loans in the UK, click apply now and start your application today. You could have a loan between £100 and £15,000 credited into your account in a matter of minutes. If you have any questions about text loan lenders or our service here at LoanBird, please browse our FAQs or you can get in touch with the team. We’re here whenever you need us to help provide a first-class UK broker service.


Text Loans FAQs

Are Text Loans Only Available from My Mobile Device?

Traditionally, text loans are a quick way to get a loan by messaging the amount you want to a lender, receiving a reply if you have been successful. These days, thanks to smartphones, you can access a mobile version of a lender’s website just as easily. At LoanBird you won’t need to text us to find the best loan offers around. Instead, just access our website from any device and fill out our application form.

What APR Can I Expect from Text Loan Lenders?

The lenders we can connect you with have APR rates starting from 49.9%. Every lender you can choose from will offer competitive terms on a loan, like traditional text loan lenders. Once you have submitted the amount you want to borrow and the terms of repayment, you can then review the APR offered by each lender easily. All you have to do is select the offer you like the best and you are happy with the APR terms, then you can be credited within 10 minutes of signing your loan agreement. Please note, the APR will vary between lenders and the terms offered will depend on the value of your loan and your current credit history.

What’s the Maximum Term I Can Choose for Text Loans in the UK?

We can help you find alternative text loans in the UK up to £15,000. The amount you can borrow will depend on the type of loan you choose. If it’s a personal loan product, you may be able to borrow nearer this maximum, but if it is a short term loan, you may find the maximum you can borrow is limited to £5,000. We do not encourage customers to apply for the maximum available loan amount, instead, you should only borrow what you need and can comfortably afford to repay each month.


Related Info to Text Loans:

Payday Loans

Easy Loans

Small Loans

£300 Loans

Low APR Loans