Borrow £100 to £25,000*


  • Bad Credit Accepted
  • Fast Payout
  • No Fees
  • Secure Application

Short Term Loans

£100 – £1,000

N Online decision
N Responsible lenders
N Rates from 278% to 1576% APR*
N 3-12 month repayment

Personal Loans

£1,000 – £25,000

N Whole of Market panel
N Trusted panel of lenders
N Rates from 5.7% to 278% APR*
N 3-36 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 238.1% pa (variable). Representative 481.6% APR.

ccta and fca registered lender

Instant Decision Long Term Loans From UK Direct Lenders

Key Features

  • Getting a decision instantly for your long term loan is now commonplace in the UK lending market.
  • Having no guarantor, or having bad credit are not limiting factors like they were years ago.
  • Comparing longer term loans with Instant approval ensures you get the cheapest interest rates.

One of the first questions a consumer is likely to ask themselves before they apply for a loan is whether they are eligible for it or not. There can be a number of requirements for eligibility, but we’re going to narrow it down to a few key ones that usually stand between you and the cash you want.

We’re looking at long term personal loans in particular, as these can have the most stringent requirements. You meet the necessary eligibility standards for this kind of money, you should be approved for just about any other kind of cash as well.

Borrow anything from £100 to £25,000 today.
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Your credit score play an integral part in how eligible you are for certain finance. Not all lenders will ask to check your credit, as they may rely on your employment record and some financial details to determine eligibility, but you are going for a long-term agreement, then a finance check is more or less mandatory. Now, even if your history is poor, you may still be eligible for a loan; it just may not be on the terms you like.

If you’re concerned about your past and how it will affect eligibility and rates, then you do a few things to improve it. You can make payments on time, check for errors on your credit report and pay off some debt to make your score rise in time. It won’t happen overnight, so be patient with it.


This is definitely the most important factor when it comes to eligibility and a quick application. If you don’t have the income to support the payments, then no one will give you the finance you want, no matter how well you meet the other lending requirements. Every lender wants some assurance that you will be able to pay the amount back in full and be able to make payments on time. They will look at your income primarily as a way for you to do that. You can make promises about other sources of income you might be looking into, but if your paycheck doesn’t show that you bring in enough money to cover your bills and your payments, you may be out of luck getting long term personal loans.

If you want to improve your chances, then you get another source of income and show proof of it before you apply for the loan. You can also try getting someone else with more income or better past to cosign for you.


Should you have too much debt, you could be turned down for the cash you are wanting. Unsecured lenders will often ask about what other loans you have, such as student loans, car loans and mortgages before they approve you for a further finance. If they think you have too much debt to handle another loan, then they will deny your application.

You might be tempted to fudge the details of your debt and try to hide some of the bills you have to pay, but that’s not a good idea. Lending institutions are able to accurately judge how likely you will be to repay the cash on time, and if they deny you because you have too much debt, it’s a good idea to work on paying down some of that debt before you apply again. You don’t want to be overburdened with debt and not be able to get yourself out of a hole.

Your debt problem is a serious one, then you may need to seek out help from a debt counselling agency. There are several of them out there, many of them government sponsored, and they can help you get control of your finances. As for those long-term personal loans you are eyeing, just give yourself some time to work on your financial situation before you overwhelm yourself with one of them. Once you get your bad debt under control, you are far more likely to be approved for the cash you want.

How to Get Instant Approval for a Long-term Loan?

When you have urgent financial emergencies, you would want a loan approval as soon as possible. Any delay or hindrance of your loan application is the last thing you want to have. While this can be a possible scenario, it is also possible to get a long-term loan instantly. You simply need to meet the lender’s requirements and provide all the necessary details to avoid delays. As mentioned above, you need to meet the basic requirements of getting a loan such as making sure you have good credit rating, stable income, and must not have multiple debts. Aside from this, what you can do is to find a reputable and flexible lender who offers long-term loans without much stressful requirements. Many lenders can be very strict on their policies, while others are very accommodating.

We can assist you with your search, and we are very good at it. As long as you will provide the necessary details for the loan application, and you don’t have a problem with the basic eligibility criteria, then you can get a long-term loan instantly. If you have a problem with your credit rating, you can apply for a no credit check loan.

Lenders of this type of loan do not run a hard credit check on you. They do not focus on your credit score, but rather on other personal and financial aspects such as your income and employment history. If they can see that you have a regular job and your earnings are steady, then you can get an instant approval. If you don’t have a regular job, you can search for a lender who caters to those who are unemployed. But this doesn’t mean that you can get a loan without any sort of income. Even if you don’t have a job, you must have a form of earnings every month, whether it is from benefits, sales commission, and so on. Lenders want to see that you have the money to pay back the loan. Once you can provide the proof of your income, then you’ll get an instant approval.

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More Instant Decision Long Term Loan FAQs

How quickly will my application be approved?

The timeframe for receiving approval for instant decision long-term loans can vary from a few seconds to a minute or two after you’ve submitted your application form. However, the best way to help ensure that your application is approved is to provide all of the required information.

How will a decision be reached about my application?

Once you’ve provided all of the required information on the online application form and submitted it, a process referred to as auto decisioning will be used to help determine how much of a loan you will qualify for. This process works by deducting the amount of expenses you have from the income you receive.

How soon will I get my cash?

The amount of time it takes for your loan funds to be deposited into your account will depend on the lender you’re working with, the amount of money you’ve applied to borrow and whether you have provided all of the requested information on the application form or not. If you’ve provided all requested information, chances are that you will obtain the cash on the same day you sent in your application.

Why was my application turned down?

In many cases, applications are turned down because insufficient personal information was provided on the loan application form. Sometimes, an applicant simply doesn’t obtain enough income to repay a loan either. The lender will inform you why your application was declined.

Can I obtain more loans in the future?

Once you have repaid your original loan in full and have ensured that no payments were skipped, the lender you have been working with will normally be more than happy to assist you with further loans in the future.