Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

£1,000 Loans

Apply for up to £5,000 over a period of 1 to 60 months.

Representative Example: If you borrow £500 over 6 months at a rate of 25.5% per annum (variable) with a representative 46.19% APR you will make 6 monthly payments of £92.96, repaying £557.76 in total.

Warning: Late repayment can cause you serious money problems. For help, go to www.moneyhelper.org.uk/en.

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Understanding £1,000 Loans

Are you looking to borrow a £1000 loan?

If you require an injection of cash in an emergency, then you may be able to borrow anything up to £5,000 with Flexy Finance. We offer short term personal loans from as little as £100, for periods of 1 to 60 months to help you to cover the costs of things such as bills and personal expenses

How can I get a £1000 loan?

To apply for a loan, you will be required to fill out an application form with your personal details and financial information. A soft search credit check will then be performed to confirm both your details and affordability to match you with a lender who can provide a short term loan of your requirements.

You’ll then agree your monthly repayments to clear your total amount repayable in addition to any interest or fees stated in your loan term. Once this is approved by the lender, you can receive your loan in as little as 24 hours*.

Can I borrow other amounts?

We are able to offer cash loan amounts up to as much as £5,000 for periods of 1 to 60 months (2 years). While applicants are not limited to borrowing certain amounts, some of the most sort after loans from applicants include amounts of £100, £200 and £500.

Can I get a £1,000 loan with poor credit?

Many people worry about their bad credit history affecting their ability to take out credit. Poor credit does not necessarily mean that you are unable to borrow money. However, bad credit loans will usually have higher interest rates and may, in some cases, require you to provide a guarantor on your application.

At Flexy Finance, it is not a requirement to provide a guarantor or to have perfect credit. Instead, we can help find bad credit loans with no guarantor.

You can check the cost of your repayments by using a loan calculator such as the one provided by the Money Advice Service.

What should I do if I’m struggling with debt?

If you are struggling with debt, contact the Money Advice Service or StepChange for more information on how to manage your debts.

What does representative APR mean?

APR stands for ‘annual percentage rate’. Representative APR is the total cost of borrowing money over a year, which includes the interest and standard fees you will have to pay.

It is ‘representative’ as 51% of applicants will receive the same rate of interest, or lower, that is advertised by the lender. Therefore, it is not guaranteed that customers will receive the same APR that is advertised.

Instead, a customer will likely be offered a personal rate on a loan, which can be lower, higher, or the same as the advertised APR. Personal rates are generally influenced by factors such as credit score, personal finances and how much you want to borrow.

With the lenders we work with at Flexy Finance, the representative APR that we advertise is 46.19% APR.

Is it hard to get a loan with Flexy Finance?

To be eligible to borrow money, all short-term lenders will require applicants to meet a specific set of criteria, as set out by the FCA. Lenders will then use this information to determine whether or not you are suitable for credit by taking into account both your affordability and creditworthiness.

Therefore, in order to be considered for an unsecured, small loan with us, you should ensure that you meet the following requirements;

  • You are over 18 years of age.
  • You are a resident of the UK.
  • You have a valid UK bank account.
  • You have a monthly income of at least £750.

Can I receive my loan today?

Our application process is designed for swiftness and efficiency when you’ve got no time to spare in an emergency, meaning you can be approved in just 15 minutes! Once your application has been approved, you could receive your money the exact same day in as little as 24 hours*.

What can I use a £1000 loan for?

There are no set of restrictions on what you can spend your loan on. However, many expenses can be covered with a personal loan of £1000, such as:

  • Vehicle and car repairs
  • Home and utility bills
  • Rent and mortgage payments
  • Emergency bills
  • Personal expenses and living costs

How much will a £1000 loan cost?

Short term loans can be costly; therefore, it can be a good idea to compare rates before you go ahead and apply. This will ensure that you are not paying higher rates than you should be, you can check comparison sites or choose to use a credit broker if you wish to compare your options.

The loans we help to source at Flexy Finance have a Representative APR of 46.19%.

Will a loan affect my credit score?

Ensuring you keep up with monthly payments on your loan, borrowing credit will not affect your credit score. However, if you fail to keep up with your repayments terms, a negative entry may be put on your credit record, negatively impacting your report and potentially hindering your chances of borrowing in the future.

Why Choose Flexy Finance?

Why choose us? Flexy Finance
How do I apply? Via our online application form
How much can I borrow? We offer loans of £100 – £5,000
For how long? For periods of 1 to 60 months
How long will it take to receive my money? From 24 hours*
Are there any hidden fees? No, we charge no fees for the service we provide
What’s the Representative APR? 46.19%


What is a £1,000 loan?

A £1000 loan is a loan that can be borrowed to cover the costs of things such as repairs and utility bills in an emergency.

How can I get a £1,000 loan?

You can get a £1000 loan by applying online with a direct lender or credit broker such as Flexy Finance.

Why should I choose Flexy Finance?

We specialise in finding personal loans that meet the needs of our customers. If you want to borrow with help from a specialised broker who will help you to find the best deal on short term finance, then we can help you to do just that.

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How to Find £1,000 Loans in Three Steps

Time Needed : 5 minutes
Check these steps to find out how easy it is to apply for a loan at Flexy Finance!
  • 1. Submit An Online Application Form​ for £1,000 Loans

    Applying through Flexy Finance is always quick and easy. Simply complete our 1-2 page application form. You can apply on the go, or from the comfort of your own home. Better still, there are no calls or paperwork involved!

  • 2. We search a large panel of UK lenders

    We search a large panel of UK lenders in real time, so that we can deliver you an instant decision. Within seconds of applying you'll know if a lender has accepted you or not. Unlike banks, our lenders are able to issue loans to people from all different walks of life and accomodate a range of different credit scores. There's an option for everyone!

  • 3. Access The Cash

    The majority of lenders are able to deposit the cash direct to your account, within just 24 hours! We'll never charge you any fees and there is no paperwork to complete. There you have it, apply for up to £5,000 in the quickest and simplest way possible today

  • 1. Mobile, Laptop or Tablet.

Our Loan Options:

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