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Apply to Borrow £1000 to £25,000*

How Much Cash Do You Want?


Why Short Term Loans?

If you need a quick cash that doesn't require complicated documents, the best option would be to apply for a short-term loan. Short-term loans are foreseeable. It means you can weigh and review your finances more accurately rather than a long-term loan. Additionally, it can also help you boost your credit score fast. Since it would only take less time to pay it back, you can gradually improve your score faster.


Borrow funds from £1000 to £25,000

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Loans with the lowest interest rates.


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Need Cash Assistance?

Going through traditional practices of borrowing funds can be a real hassle. Not only that you have to drive all the way to the bank, but you also have to beat the traffic and wait long hours just to get an approval. Well, those days are over. We have a better way to get cash assistance that is simple, fast, and convenient. Get the funds you need fast without going through these hassles. Apply online and borrow cash in just minutes.

How It Works?

Simplicity At Its Finest

You don’t have to be a rocket scientist to get started. Simply complete a form online. In just minutes, you will get the results of your application. The application process goes online. You can do it anywhere, anytime, no boundaries.

Quick Payment Process

Need the funds soon? No worries. Once you’re approved, the funds are automatically deposited to your checking account on the same day. No need to wait for days. The entire process can be completed within minutes to an hour.

No Credit Check

Afraid to apply because of your credit? Don’t be. Our lenders don’t do credit checks. Regardless of your credit standing, you are automatically eligible to take advantage of our services. As long as you can pay the loan, you’re good to go.

Getting a 20000 loan with a direct lender nowadays is easier and more convenient especially when you apply online. You can simply fill out a 5-minute loan application, wait for verification, and once approved, you can have your money delivered straight to your bank account. However, there are still necessary documents that you need to submit to increase your chance of getting approved, such as:

  • Bank Statement

  • Proof Of Income

  • Proof Of Residency And/Or Citizenship

  • Proof Of Identification

  • Proof That You’re Receiving Benefits, Pension, Etc. (For Unemployed)

These are just some of the basic prerequisites that most lenders will require you to submit. On top of this, you also need to meet their criteria, such as:

  • Age

Age is a crucial factor when applying for a loan as this determines your maturity in handling your debts and finances. Normally, they will require you to be between 21 years old up to 60 years of age.


  • Employment

Your capability to settle the loan is very important, therefore, most lenders will require to be a regular employee, working on the same company for at least 6 months. However, if you’re after a bigger amount, like 20000, you should be employed for 2 years or more.

  • Credit Remark

Having a good credit increases your chance to acquire the loan and not only that, you may be offered with a bigger loan amount, smaller interest rate, and a more flexible repayment term. Meanwhile, if you have a bad credit rating, your chance of getting a loan, especially 20000, is very slim, and in case you’re approved, the interest rate charged to your debt is more expensive.

  • Financial Status

Lenders will not only rely on your current documents; rather, they will also check your past financial statements. This will help them decide whether they should grant you a loan or not.  Like having a good credit score, if you have good financial records, your chance of getting a loan is higher.

Title Loans with Direct Lenders

If you’re a homeowner, you can borrow money using your property through a homeowner loan. Also referred to as a home equity loan, this is where the value of your property is taken into account to determine how much money a bank or a lender will allow you to borrow.

Since this is a secured loan, it is essential that you own the property to qualify for the loan.  Among the properties that can be used for this loan are houses, flats, bungalows, and cottages. The property will be used by the lender as their security if you do not end up paying off your debt. While this is usually considered a sure-fire way of getting credit, you do have to consider the risks involved. You can lose the property if you cannot pay back the loan.

Homeowner Loan Features

The loanable amount would be hinged on how much your property is valued at. Usually, you will be allowed to borrow a set percentage of how much your home is worth. The term is usually spread out between 1 and 35 years. Interest needs to be paid for the entirety of the loan. Most lenders would also need you to go through a credit check and an affordability assessment to get approved.

Loanable Amount

Most lenders these days allow borrowers to take out a loan from £1,000 to £2.5 million. However, there are factors that can affect how much your final loanable amount will be. Among these are the overall value of the property, your credit record, the loan term of your preference, and your age. Your income will also affect how much the lenders will let you borrow.

Loan Costs

How much the loan will cost is going to be heavily determined by the interest rate. It could either be variable, which means that it could change over time, or it could be fixed where it stays the same throughout the loan term. Expect lenders to offer variable rates as fixed rates tend to be less common.

Understanding Loan Rates

As we all know, loans are not free and there are associated costs that a borrower needs to settle. One fee that remains constant in an advance is the loan rate. It is an amount charged by the lender on all types of loan, regardless of its size and repayment term.

What Is A Loan Rate?

Also known as the interest rate, a loan rate is a cost for the lender’s service. It is expressed in percentage and it’s the amount you need to settle for borrowing their money. Unlike an upfront fee or other types of charges, an interest rate remains on all types of loans; meaning, you will pay for it regardless if it’s a personal loan, mortgage, or a credit card debt.

The amount of interest that you need to pay depends on the lender and the loan. Some loan providers, especially those who offer short-term loans, may charge a very expensive interest. Meanwhile, there are loans, such as secured and guarantor loans, that may apply a cheaper loan rate.

Can Your Credit Score Affect The Loan Rate?

Your credit score plays a major role when applying for a loan. Not only will it influence the decision of the lender but also, it will affect the amount you need to settle. If you have a bad credit record or you have no credit history at all, the loan provider may charge you with a very expensive interest. On the other hand, if you have a good credit history, the interest rate applied to your loan may be more appealing.

Nonetheless, you can reduce the loan rate charged to your advance by comparing a number of lenders first. Check the interest and other fees they charge as well as the repayment terms and policies they have. You can also start fixing your credit report so you can score better rates the next time you get a loan.