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

Quick 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 Quick Loans

Need a Loan Quickly in an Emergency?

Many of us will face some kind of financial problems in our lifetimes. However, when unexpected expenses appear, many traditional lenders can leave borrowers waiting for long periods of time to receive a decision on their loan application. In this case, quick loans can provide borrowers with the funds they need as soon as they need them.

What is a Quick Loan?

Quick loans, also known as ‘fast loans’, are short term loans that are to be used in financial emergencies. Lenders approve and deposit the money quickly so that you can solve your money problems as soon as possible. They are typically used to cover the cost of things such as one-off bills and unexpected repairs. At Flexy Finance, we provide quick loans of up to £5,000.

How much can I borrow?

If you need a loan you can apply to borrow anything from £100 to £5,000, which will be enough to cover the costs of any short-term emergencies which you may be having such as car repairs, unexpected bills and boiler or home repairs.

What Can I Use a Quick Loan For?

Ultimately, it’s up to you what you want to spend your fast loan on because there are no restrictions. But the relatively small loan amount you’re able to get means that they are best used on essential things that need to be paid for urgently. Here are some of the most common reasons why you may need to take out a quick payday loan:

  • Vehicle repairs or breakdown cover
  • Home repairs and maintenance
  • Covering the cost of household bills
  • Covering the cost of unexpected bills
  • Putting down a deposit on an essential purchase
  • Family and medical emergencies
  • Cost of necessary food and travel

What Shouldn’t I Use Quick Loans For?

While there aren’t any restrictions on what you can spend your quick loan on, there are some things that you should avoid using them for. If you’re struggling to pay off existing debt, for example, then we don’t recommend you take out a loan. Visit the Money Advice Service to get help for dealing with debt problems. Some other things we recommend you don’t use quick loans for include:

  • Unnecessary purchases
  • Large purchases
  • To help pay your bills each month
  • Paying off debt collectors

I’m struggling with debt – what should I do?

If you’re struggling with debt, then you should not take a loan out to cover any long-standing debt. This can cause further financial problems and it is always advised to never borrow more than you can actually afford.

If you are struggling from debt there are organisations that can provide advice to you for free. These websites include:

What Are 15 Minute Loans From Direct Lenders?

15-minute loans from direct lenders are deposited into your bank account by payday lenders within 15 minutes of you applying. They are an attractive funding option for people with a financial emergency that needs resolving straight away. Brokers of payday loans, like Flexy Finance, act as middlemen between direct lenders and applicants to get you the quickest loan possible. We do this by:

  • Providing a quick and easy online application process with no paperwork or complicated questions
  • Connecting your application with multiple high acceptance payday loans direct lenders (UK) all at once
  • Giving an instant loan decision

How much is the interest rate on quick loans?

The current representative APR on the loans that we broker is 46.19%.

How does represenative APR work?

APR stands for ‘annual percentage rate’. It refers to the total cost of borrowing money over a year, including the interest and standard fees you have to pay. ‘Representative’ means that 51% of applicants will receive the same interest rate advertised or a lower amount.

For example, the representative rate Flexy Finance offers is 46.19%. Therefore 51% of customers will receive that rate of interest or lower. It is not a guarantee that customers will receive the same representative APR in their loan agreement.

Not everyone within the 51% will receive the same rate as the APR that is advertised. You will likely receive a personal rate which may be different from other applicants.

A personal rate may be higher, lower, or the same as the representative APR. It is usually determined by your credit score, how much you want to borrow, and your finances. APR is often used as a comparison tool to help people compare different loan providers.

The Application Process

The application process for quick online loans is specifically designed to ensure that your needs are taken into consideration. That’s why you’ll find that the whole application process is fast and straightforward ensuring that you get your money within just 15 minutes* of your application being approved by our direct, UK quick loans lenders. Read on for more information on how our application process works.

Where Can I Apply for a 15 Minute Cash Loan?

You can apply for a 15-minute cash loan online easily on any device. Direct payday loans lenders and credit brokers both provide 15-minute cash loans. Applying through a broker like Flexy Finance can help you to compare your options. Applying with us takes the hassle out of applying for short term loans as we ensure:

  • We send your application to multiple payday direct lenders to compare deals for you
  • We’ll only ever carry out a ‘soft credit check’ which doesn’t affect your credit score
how long will it take to apply

How long will it take to apply?

Our application process is designed specifically with the needs of our borrowers in mind, that’s why we’ve made applying for a cash loan with us a prompt and straightforward procedure. Our application form doesn’t require you to provide any paperwork or answer any long-winded questions so it will take you less than 5 minutes for you to complete.

Once you’ve submitted your application, although the time frame for fast approval may vary, in most cases you should be able to receive an instant loan decision, on whether or not your application has been approved. This means that you won’t have to spend hours or days waiting to see whether you’ve been approved.

How long will it take for me to receive my money?

While more traditional lenders can take anywhere from a few days to a week to deliver your loan. With quick loans, once your application has been approved by the lender, and the term and conditions have been signed, you will have access to your funds within as little as 24 hours of confirmation of your approval. To enable faster payments you may need:

  • A good credit report
  • Be an existing customer
  • A bank account that supports fast payments


In an emergency, many people are deterred from using a quick loan, as they believe they may not be eligible to be accepted due to the personal circumstances they’re in. However, this type of short-term financing is available to a lot more borrowers than you may believe. Carry on reading this section to find out whether you could be eligible.

What is the Easiest 15 Minute Loan to Get Approved For?

The easiest loan to get approved for is a quick unsecured loan from a payday lender. Unlike loans from traditional high street lenders where you have to travel to your local branch and wait for hours, even days, for a decision, quick unsecured loans can be applied for online and in your bank account in minutes. You might be suitable for a fast unsecured loan if you:

  • Don’t have time to wait for a high street lender
  • Only need a small amount of money
  • Have a bad credit history

Can I Get a Quick 15 Minute Loan?

Each lender will have their own lending criteria that you’ll have to meet in order to take out a loan. Quick loans generally have higher acceptance rates than traditional bank loans. This means you could be accepted even if you have bad credit. To be accepted for our fast loans, you must:

  • Be over 18 years of age
  • Be a UK resident bad credit
  • Have an active UK bank account
  • Have a regular income of at least £700 a month
can I get a quick loan with bad credit

Can I Get a Quick Loan With Bad Credit?

You can get a quick loan even if you have a bad credit rating, but interest rates may be higher. While we don’t offer bad credit loans exactly, all of the lenders we work with at Flexy Finance will consider your application, regardless of your credit history. Because our loans are for relatively small amounts, your application will be accepted if you:

  • Have a regular income of £700 a month
  • Have an active UK bank account
  • Are a UK resident
  • Are over the age of 18

Can I get a loan if I’m unemployed?

While it may be more difficult for you to take out a loan if you are unemployed, it is possible. However, applicants who apply for quick loans for unemployed borrowers will be subject to a few requirements. You should be able to demonstrate the following:

  • That you have a steady, regular income
  • That you can manage credit responsibly and have done so in the past
  • That you can afford to pay the total amount payable including APR (pa fixed*) and interest

Can I get a short term loan if I’m a student?

As a student, to be approved for a loan you will need to provide proof of a steady income, such as student loan payments or a steady part-time job. In addition to showing that you can and have managed credit responsibly in the past. While students may struggle to be approved for a bank loan, some payday lenders are more likely to approve student applicants.

Will you perfom a credit check?

Credit checks are essential for confirming your identity, as well as assessing your creditworthiness and affordability. At Flexy Finance we will perform a soft credit check to confirm your details, which won’t negatively affect your credit report. Once you have been matched with a lender, they will then perform a hard credit check to complete their assessment checks before your application is approved.

Will I require collateral?

As the nature of quick cash loans is for short-term use only, alike to most short-term financing options, they are unsecured loans, meaning that they do not require you to provide any collateral to secure the loan against. Unsecured loans can be a great option for applicants who need a loan fast but do not own assets such as a vehicle or property to secure their loan against.

Will I need a Guarantor?

While you are not required to provide a guarantor with your application in order to be approved, some lenders may request that you provide a guarantor if you have had problems managing credit in the past. At Flexy Finance, we offer quick loans with no guarantor required. Although, if you want to provide a guarantor and feel it is necessary, then you may do so.

The Benefits

Asides from the accessibility and their speed, you may be wondering if there are any other benefits to be had from borrowing a quick emergency loan, and you’d be right. This type of loan has its many advantages and here are just a few of them, read on to see whether the following advantages of quick loans would benefit your current financial situation.

What Are the Benefits of Borrowing a Quick Loan?

Quick loans are popular because they are suitable for a variety of situations. You can apply online at any time without filling out paperwork or answering lengthy questions. And they are perfect for emergencies because you’re given a loan decision as soon as you apply and your money can be in your bank account just 15 minutes later. Some other benefits include:

  • Monthly repayment periods
  • A quick and easy application process
  • The potential to improve your credit, when used responsibly and repaid in full and on time

However, while these loans can be a great solution for those who are looking to borrow money quickly, they are unsuitable for borrowing for long term periods as interest rates may be high.

Quick Loans with Flexy Finance

If you believe that a loan is the right credit option for you, then you may be interested in applying for finance with us here at Flexy Finance. If you are interested in applying for a loan with us, then why not read the following section about how you could borrow money via Flexy Finance and receive your free no obligation quote today!

what loans are available?

I need a loan ASAP – what loans are available?

If you need a loan ASAP then you may want to consider applying for a quick loan in order to get money into your account as fast as possible. Below we have listed all some fast loans available for people who are looking to open a line of credit fast.

Emergency Loans

An emergency loan is essentially a short term loan that can be used when you’re suddenly struck with an unexpected bill. For example, if your car breaks down a week before payday, you may apply for an emergency loan to help cover the costs.

If you’ve been hit by an unexpected expense, then an emergency loan may be an option for you.

No Guarantor

A no guarantor loan is a loan which does not require a guarantor to co-sign your loan. A no guarantor loan means that you are fully responsible for repaying the loan you take out as well as any interest accrued. Applying for a loan with no guarantor will mean that lenders will see you as more of a risk, which could lead to higher APR.

Instant Loans

Instant loans are designed to be transferred into your bank account as fast as possible. These loans are designed to be instant and may be paid into your bank account on the same day. The application for these loans are designed to be straightforward and can be completed very quickly, providing you are eligible for an instant loan.

Why Choose Flexy Finance for a Fast Loan?

We work with multiple lenders to find you the best rates in the quickest time. Our range of short term personal loans that we have available mean that you’ll find the funding option that’s perfect for your situation. Apply for a quick loan via Flexy Finance for:

  • A quick and easy five minute application process
  • An instant loan decision
  • Money in your bank account within 15 minutes
  • No hidden charges or broker fees
  • Fast loans even if you have bad credit
  • Receive your loan same day*


What is a Quick Loan?

Quick loans are a form of short term finance that provides applicants with fast approval and funds within a short time of applying. In some cases, a loan may be approved and issued on the same day of application, allowing it to be utilised in situations of financial emergency.

How can I get a loan quickly?

In the case of an emergency, some quick loans applicants can have their application approved for a loan in as little at 15 minutes† and have their loan amount debited into their bank account within 24 hours†. With brokers such as Flexy Finance, you can fill out an online application form and be approved by one of our panel of UK lenders the exact same day.

Will I need a guarantor?

Most quick loans are available to applicants without any need to provide a guarantor with your application. However, in some circumstances, applicants with poor credit or a thin credit file may be asked to provide a guarantor. A guarantor will ensure that your loan is repaid if the borrower is unable to pay the loan repayments. At Flexy Finance we do not require our applicants to provide guarantors.

Why choose Flexy Finance?

At Flexy Finance, we strive to provide applicants with finance options that are designed to make your life easier. So whether you’re faced with a financial emergency or need help stretching your budget until payday, we’re here to help. We offer flexible short term loans from £100 to £5,000 for a duration of between 1 to 60 months.

How to Find Quick 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 Quick 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.

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