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

Instant 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 Instant Loans

What are instant loans?

Instant loans in the UK are easy to come by, but which options are the best? When sifting through what seems like a plethora of quick and easy loan application options to choose from, make sure that you choose one that’s fair to you and your financial future.

Unfortunately, unexpected emergencies and expenses have a sneaky way of taking us by surprise. If you need a bit of bridging cash to help you get by or just to your next payday, you need to avoid choosing a lender that ties you into a long-term, financially exhausting contract.

Choose the Right Quick Loans Online

Want the best instant short term loans online from direct lenders? Here’s what to look for:

  • 15-minute or less online application and approval waiting period
  • Same day cash loan pay-out
  • 100% digital, environmentally responsible application process (no paperwork involved)
  • Loan amounts from £100 to £5,000
  • Monthly repayment periods from 1 to 60 months

Instant loans for bad credit

If you are in dire straits and looking for quick instant loans, you are probably worried about your poor credit history. Many people live in fear of their credit score, but what if we told you that you don’t have to?

Instant Loans with No Credit Check?

You have probably heard of instant loans no credit check deals, but are they real? The truth is that they aren’t.

No credit check loans’ don’t exist – but you can still get a loan with a low credit score, even if you’ve had money problems in the past.

Your credit record will be referenced for each and every loan, credit card, or account that you apply for. The good news is that while your credit score will be looked at, it’s not the sole deciding factor. You can still get an instant loan online, even if you have a less than perfect credit score.

What about credit checks? Hard or soft?

You might be wondering what we are talking about when we say “hard” or “soft” credit check. Now is when you have to pay attention! While your credit score isn’t the most crucial factor in your credit application, how the checks are carried out can have a negative impact on your financial situation and credit record in the future.

If you apply personally for instant loans online, direct lenders that you apply with will carry out individual hard credit checks against your name. These checks are referenced on your credit report and can reduce your credit score in the end.

At Flexy Finance, we only carry out a soft credit check; this means that there will be no record of the assessment until such time as your loan is approved. Then a hard credit check can be carried out. Avoid applying for individual loans and negatively impacting on your credit record as a result.

Who Can Get Quick Instant Loans Online?

Can anyone just get quick instant loans online, or are the requirements fairly strict? What makes quick loans online preferable to applying for traditional loans at high street banks? The fact of the matter is that quick instant loans can have you paid the cash you need into your bank account on the very same day that you apply! Applications and approvals take just 15 minutes

Are you eligible for an instant loan?

You can apply for instant cash loans and expect approval if you meet the following requirements:

  • You are 18 years of age or older
  • You are a citizen of the UK
  • You have an active UK bank account
  • You earn a regular income of at least £700
  • You can afford the monthly instalments

Small Payday loan application options for Unexpected Expenses

The beauty of instant payday loans is that you can loan a relatively small amount with an affordable interest rate and can pay it back over a short period of time. This means that you aren’t tied into a lengthy loan contract. Most payday loans are paid back over three months, or the total repayment is due on your next payday.

However, loan applicants can choose the loan period that best suits their financial situation and needs. Typically, the choice is to repay the loan over 1 to 60 months.

What most people use instant online cash loans on –

  • Car repairs and maintenance
  • Unexpected medical care
  • House repairs
  • Accidental damage to property or valuables

How to Find Instant 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 Instant 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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