Get the money you need; quickly, easily, safely

We can all be caught out by unplanned events and surprise bills. Instant Lolly's loan matching service could help you find the money to pay for out of the blue costs—quickly, safely and easily.

We’re here to help you find the perfect loan

Taking on a loan is a big responsibility and should always be a well considered decision. However, if you've thought it through and believe a short-term loan could be right for you, we'd love to help.

If you meet our basic criteria you can apply with us today—even if you have a less than perfect credit history. We promise to make the process as quick and simple as possible, and you'll have an answer in the time it takes to enjoy a cup of coffee.

All credit histories welcome

If you can answer Yes to these statements, you can apply:
I am a UK resident.
I am 18 or over.
I have a regular source of income (Job, Pension, Benefits).

Everyone loves a 3 step process…

Apply online

Our online application form makes it plain sailing—no paperwork, no meetings, no unbearable hold music.

To ensure things go as smoothly as possible, review our checklist and make sure you have everthing you need to hand before you start.

Get a decision right away

We'll submit the details you give us to our panel of lenders for approval and respond to you with a decision in a couple of minutes.

You decide

If your application is accepted, we'll take you to a secure page on the lenders site so you can read through your offer details.

If you're happy, sign your agreement—if you're not sure the loan is right for you, don't.

After final checks and approval, the money will be sent to your bank—deposit times vary so be sure to check the lender's website.

Get ready to apply

You'll need:
A bank account with a debit card.
A mobile number.
An active email address.
You'll also need details of:
Your employment if applicable.
Your regular income and outgoings.
Apply Now
It won't affect your credit score
Representative 669.35% APR (variable)
View example

Got questions? We’ve got answers!

Our FAQ section has answers to the most popular questions we're asked — make it your first stop if you've got questions or concerns.

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

(It won't affect your credit score)
Representative Example:
Representative 669.35% APR (variable). £250 borrowed for 30 days. Interest charged is £60.00. Total amount repayable is £310.00. Annual interest rate of 292% (fixed).
Important Information

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, 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 lender final 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.

Instant Lolly does not charge customers a fee for using its services, but it receives a small fee from lenders or other brokers following an introduction through this website.