How It Works - InstantLolly

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 everything 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.

See all questions & answers

Most popular questions.

Is Instant Lolly a direct lender?: We're not a lender but a licensed credit broker here in the UK. We pride ourselves in treating our customers well and have helped thousands of people find the money they needed since 2012.
Does Instant Lolly charge customers a fee?: No we don't — it's completely free to apply with us. However, some of the companies we work with may charge a fee — if this is the case, it should be clearly stated on the providers website and you're under no obligation to go ahead.
Will you run a credit check?: No credit check will be carried out by Instant Lolly, however, if you receive an offer the lender will do so. If a company is advertising no credit check unsecured loans, it may be a warning that the company is less than reputable.

Get the money you need; quickly, easily, safely