One soft-search application reaches up to 40 UK lenders. A decision in minutes - and never a fee to you.
✓ Soft search only — applying won't affect your credit score
✓ No upfront fees, ever — lenders pay us, you never do
✓ Quick Loans Ltd is authorised and regulated by the FCA, FRN 763132 · Credit broker, not a lender
Representative Example: Borrowing £1,500 over 11 months at £169.69 a month. Total amount repayable £1,866.59. Interest £366.59. Interest rate 46% pa (fixed). Representative 57.1% APR. Rates range from 22.3% APR to 112.5% APR depending on your circumstances. Quick Loans Ltd is a credit broker, not a lender. Warning: Late repayment can cause you serious money problems. For free, impartial help, visit MoneyHelper.
This is the only website operated by Quick Loans Ltd. Fraudsters use our name and our FRN — here's how to check you're dealing with the real Quick Loans.
Choose a repayment term that suits your budget, from three months up to three years. You can repay early at any time, which reduces the interest you pay.
You don't need a perfect credit history. Our lenders look at whether you can afford the repayments now, not just what happened in the past - so missed payments, defaults and a low score don't automatically rule you out.
You won't need a friend or family member to guarantee your loan. Every lender on our panel lends to you as an individual.
Quick Loans never charges you a penny. We're paid an introduction fee by the lender when you're offered a loan, so our service is free to you. You'll pay interest on what you borrow, and your lender sets out every cost before you sign.
Checking your options with us uses a soft search only — visible to you on your credit file, but not recorded as a credit application, so it won't affect your score. If you accept a lender's offer, that lender may then run a full credit check.
A single form puts you in front of up to 40 UK lenders, each with its own criteria — so a decline from one doesn't mean a decline from all. Acceptance is never guaranteed and always depends on affordability.
Quick Loans went live in 2009. Seventeen years and more than two million applications later, we're still here - while a great many lenders and brokers have come and gone.
Every lender sets its own criteria, but here's a realistic picture of where you stand - whatever your credit history.
If your credit history is poor, applying for a smaller amount improves your chances. We'd suggest £1,000 or less while you rebuild - borrowing what you can comfortably repay, and keeping up the repayments, is what strengthens your file over time.
A good credit history doesn't guarantee a yes from a High Street bank - independent lenders set their own criteria and often take a different view. Apply for any amount up to £3,500, compare what comes back, and walk away if it isn't competitive. You're under no obligation to accept.
Each lender assesses your application on its own merits, but everyone needs to meet these basics:
Faster than frying an egg, most of the time. The application takes about 90 seconds, the decision arrives within a minute, and if you accept an offer the money is usually in your account within 10 minutes - though we ask you to allow up to 30.
Two short pages, about 90 seconds, no paperwork. We'll ask for your bank details — lenders use them to confirm your identity and, if you accept an offer, to send the money.
Within a minute you'll have a yes or no. If it's a yes, you'll see the lender's full offer - the amount, the term, the monthly repayment, the total you'll repay and the APR - before you decide anything. Accepting is entirely up to you.
Once you accept, the lender sends the money straight to your bank account. It's automated and runs around the clock, so it usually arrives within 10 minutes - allow up to 30 to be safe.
Most online credit brands don't publish a phone number. We do — 0333 2100 193, answered by our own UK team. Typo in your account number? Money not arrived? We'll sort it. We can't take applications over the phone any more, but we'll happily walk you through the online form.
We're paid by lenders, but we work for you — our job is to find the best offer available from our panel for the amount you need. If no lender will offer the full amount, we'll show you the largest amount one will, so you leave with an option rather than a decline.
We won't use your application to sell you anything later, and we never pass your details to third parties for marketing. You hear from us about your loan, and nothing else.
Every offer is based on what you can afford to repay, not the most you could be lent. If the amount you ask for doesn't fit your budget, you'll be offered less - or nothing - rather than a loan that causes problems later.
If someone phones offering you a Quick Loans loan, it isn't us. We never make unsolicited calls and never ask for money to release a loan. Not sure who you're speaking to? Here's how to check a call really is from Quick Loans.
Quick Loans doesn't lend and isn't owned by anyone who does. Our panel competes for your application - and if none of them offers something worth having, walking away costs you nothing.