Borrow money online

At Instant Lolly, we are proud of our quick and easy to use loan service that enables you to apply for a range of personal loans (including payday loans and short-term loans) and borrow money online.

We work with around 50 direct lenders in the UK to find you the most suitable loan, saving you time, legwork and money – and we don’t even charge you a fee for our service! So, if you are looking to borrow money, read on!

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Representative 669.35% APR (variable)
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Borrow money online. An online loan is a fast and easy way to borrow money. Smaller loans, such as those provided by short-term and payday lenders, can usually be approved instantly without the need for additional paperwork or phone calls — making them the perfect choice for anyone looking to borrow money quickly.

How much can I borrow from Instant Lolly?

We offer a range of loan options, ranging from small loans of £100 right up to £3000, in bite-size increments. This flexibility means you only borrow what you need.

Can I borrow money online fast?

That is our aim! In many cases, you get cash within an hour of the lender’s approval! Of course, this may vary depending on the lender and your bank. Our quick online loans service provides what we consider is a fast and easy way for you to borrow money online.

Can I borrow money with bad credit?

Even if you have a less than perfect credit history, we may be able to offer bad credit loans. As long as you meet the eligibility criteria and can prove that you will be able to afford the loan repayments comfortably, then we will be delighted to consider your online loan application.

What borrowing options do Instant Lolly offer?

At Instant Lolly, we offer a secure, easy to use online loan application system to provide payday loans, short-term loans and longer-term personal loans.

Can I get a short loan?

Certainly! We understand that sometimes you only need access to cash for a short time and don't want to be tied down repaying it over long periods. At Instant Lolly, our monthly payday loans start from just one month – so you can choose the repayment period that is most suitable for you.

I want a small loan — can you help?

Yes, we can! We offer a range of small loans, starting from £100 right up to £500 loans. So, if you want to borrow a small amount of cash, then we would love to help! And with repayment terms ranging from one month to 12 months, you don't have the worry of having to repay the money in a single lump sum if you don’t want to.

Where can I find more information and costs?

To find out more information about out most popular loans and the costs, please visit the relevant pages below:

Is it safe to borrow money online?

Not every website is always what it seems, but you have come to the right place. Since 2013, Instant Lolly has been trusted to help thousands of people borrow money online – quickly, easily and in complete safety.

We are regulated and overseen by the FCA, the UK governing body for consumer credit, which means we adhere to strict lending practices and processes that protect you.

Our website is hosted within a secure ISO27001-accredited environment in the UK, and we employ best-of-breed SSL security measures to keep your information safe as it is transmitted between us.

Need to borrow money now?

Simply check that you are eligible to apply for a loan, then complete our short online application process. We will give you an almost immediate decision and, if you are approved and depending on the lender, the money could be in your bank account within an hour.

Borrow money from Instant Lolly

Flexible borrowing — choose from a large range of short-term and payday loans.

Flexible borrowing

Choose an amount and repayment term that's right for you. We offer loans from £100 to £3000 over 1 to 24 months.

Help to get accepted for a loan — for people with good and bad credit.

Help to get accepted

Fill out our short form and we'll ensure your application reaches all the right lenders for the best chance of approval.

Fast funding — quick online loans, transferred in under an hour.

Fast funding

You'll get a decision in seconds and money transferred to your bank as quick as 15 minutes once you're approved.

Convenient online loans — access the best UK direct lenders in one place.

Online convenience

Apply securely online: 24 hours a day, seven days a week — via mobile, desktop or tablet. Oh, and it's totally FREE too!

Get up to £3,000 within 15 minutes of approval


If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, visit; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit; or visit your local Citizens Advice Bureau.

Loan approval: All loan offers are subject to lenders approval. Approval/transfer times vary by lender. Not all lenders may be able to transfer funds in 15 minutes. Approvals/transfers may take longer for applications processed outside normal working hours. If your bank does not support faster payments, it may take longer for funds to reach your account.

Credit checks: When assessing your eligibility for a loan, lenders will carry out a soft search; only you can see them on your credit report and they have no impact on your credit rating. If you accept a lender's loan offer, they will perform a hard credit search, which will be visible to any company searching your credit report for 12 months.