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N Whole of Market panel
N Trusted panel of lenders
N From £1,000 to £25,000
N Rates from 5.7% to 278%
N 3-36 month repayment




N Online decision
N Responsible lenders
N Borrow up to £3,000
N Rates from 278% to 1576%
N 3-12 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 236.1% pa (variable). Representative 481.6% APR.

Unsecured Installment Loans

Lots of people come to me and ask what is an Unsecured Loans? Well, the answer is pretty simple it doesn’t really differ from normal unsecured or secured loan in the sense that it requires monthly installments to clear the balance. This basically means that you will agree how much you can afford with your lender at the start of the agreement before you start making any payments.The lender has an obligation to make sure that you can comfortably afford the monthly instalments without putting yourself under any stress or hard times.

How Do I Apply For An Unsecured Installment Loans?

Applying for a loan is a very simple and fast process from application to payout normally takes a few days even for bad credit, the simplest way to make an application is either call up and fill out your requirements or go to the online form above and simply fill in your details we require the normal details that most lenders require these are your name, address, telephone number, amount you want to borrow, purpose of the loan and finally your monthly earnings. Once you’ve given us the details they will be looked at on our system by one of our qualified agents to establish which lender suits your needs the best once that is clarified your data will be sent to the relevant lender, they will then do their required checks, this normally involves a credit check and income and expenditure this is so they can be assured that you can afford the monthly payments without causing yourself any stress.

Who can apply for a loan?


There isn’t any restrictions on who can actually apply for a loan as long as you as you are over the age of 18 are earning a monthly income whether that is from benefits or a monthly wage there are lenders out there that will be happy to lend to you this is the same for payday loans.


One of the most popular questions that I hear on a daily basis is I have poor credit or been bankrupt, will this stop me getting a loan? the answer to this is very simple is a no you will still be eligible for a loan with some lenders but they will reflect your credit status within the APR that they are willing to offer you i.e. in short you end up paying this bit more for your monthly instalments, but this is a good way of getting your credit back up to a high score which will then in turn allow you to get a better rate as time goes on.

What can I borrow the money for?


Most lenders will not give you any guidelines on what you must spend the money on the only exception to this is should your income expenditure display that you will struggle to afford the monthly payments because of your other outstanding credit, should this be the case your lender will ask that you use a percentage of the money to pay off your outstanding credit to make sure that you can afford the monthly payments for the current loan.


More often than not the lender themselves will actually pay the company that you owe the balance to they will ask you provided them with settlement figure and a date of expiry, if that is the case there will only be an acceptance of your loan if they can settle your outstanding credit in full. Obviously because of this the balance that you will receive for your loan will be lower as proportion has already used to pay off previous debt.

How long will it take to process the loan?

Another common question but one that is very difficult to give a direct answer to the main reason for this is it will vary between lender to lender and the circumstances of your application. Should your application be sent to be reviewed further as they are unsure your income expenditure i.e. can you afford to make the monthly payments this sometimes can but still a on the overall payout time of the application as a general rule I tend to give the guidelines of 3 to 5 working days for a full payout, but should your lender also required to contact additional creditors to make sure that they are paid off in full this will definitely slow down the process. One suggestion I do have is make sure that you have all your creditors details including settlement figures and dates of expiry to hand when you’re contacted by the lender themselves this way you’ll be to make sure the processes seamless.

Do lenders lend on buy to let properties?

Yes we will lend to people that are currently living in buy to let properties this is quite a high proportion of the UK we will have to oversee take into account the amount your rent costs you on a monthly basis to make sure that you can afford to eat close and have a roof over your head. What I would also suggest is to have a copy of your tenancy agreement to hand for your loan application is most lenders will ask to see that to confirm your rent amount and your monthly payment date this way they will make sure that everything runs in line with the daily you receive your wages this making it the smoothest process possible.