Warning: Late repayment can cause you serious money problems. For help, go tomoneyhelper.org.uk | Simply-loans.co.uk is a broker, not a lender, and does not make credit decisions.

We may receive a commission from the lender.

It’s Simple - Apply Now

I Want To Borrow

Rates from 12.9% APR to 1721% APR.
Minimum Loan Term is 3 months. 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% (fixed) Representative APR: 79.5% (variable).

Borrow up to £5000

Get an instant online decision

We don't charge brokerage fees

Instant decision with no paperwork

We could help you if you have bad credit

Your details are secure

Get a loan up to £5,000

We help over 1000 people a day!

We’ve all been in situations where we’ve been short on cash or need money but can’t borrow from our bank. When you need money fast it can be very time consuming applying to the 100’s of lenders out there. We search over 20 lenders in just a few minutes, saving you time. You can apply for a short term loan between £100 and £5,000, 24 hours a day, 365 days a year.

Completely Online

Simple and secure online process.

Rocket Fast*

Now offering Same Day Funding!

Instant Offers

Pre-approved offers within seconds

No Hidden Fees

We never charge fees for applications

How does it work?

Can I really borrow up to £5000 today?


Simple online application

Apply online for up to £5000 using our short online form. Simply select the amount you want to borrow, the term of the loan, and get started with the process.


Get an instant decision

We search our panel of 20+ lenders so you can focus on more important things, saving you time.


Same Day Get Paid*

Once your application has been approved, you’ll get the cash you need! It’s that easy.

Frequently Asked Questions

Simply-Loans.co.uk is a broker, not a lender, and works with an exclusive range of lenders in return for a commission fee. We don’t directly offer loans. We allow customers to access our network of UK short term and installment lenders through our online form. We match customers with lenders in our network.

Our panel of lenders can offer you between £100 - £5000.

There are a variety of loans available for consumers. It’s important to understand the differences between them to see which one best suits your individual needs. Guarantor loans include an additional person on the loan, such as a friend or family member, who agree to repay the loan should the borrower miss a payment. Short term loans are small (usually under £1,000), no-collateral cash advances that are backed by future income. Personal unsecured loans are loans that are not secured against your assets, meaning they don’t require any form of collateral. Instalment loans can range up to several months and payments are spread out over the term of the loan.

The online application takes a few minutes to complete. Simply-loans.co.uk will then run your application through our network of lenders in an attempt to match you with a qualified lender. This process takes minutes. If your application is accepted, you will be forwarded to the lender’s completion page so that you can sign for your loan electronically.

Your funds will be transferred electronically into the bank account you have provided in your application.

The eligibility criteria varies by lender. There are, however, standard criteria requirements that you will be expected to meet in order to apply. This includes the fact that you must be aged 18 years or older, live in the UK, have an active bank account into which you can receive direct debits and have a regular source of income.

We require your personal information in order to present your application to our lenders so they can assist you by providing you a loan. Please refer to our Privacy Policy for more details about how we use your personal information.

Simply-Loans.co.uk does not run any credit checks, however some lenders in our panel may do so as part of the application process, please ensure you read the terms provided by the lender before proceeding.

Our Representative APR is 79.5%% (variable). A Representative APR takes into account all charges associated with the loan, in addition to the interest rate.

If you have any issues repaying your loan, please contact your lender directly. They will be able to discuss repayment options with you. If you have more serious concerns about managing your money, you may contact Money Helper (www.moneyhelper.org.uk) . Money Helper offers free advice to those who need to manage their money more effectively.