Instant loans

If you need urgent access to cash with the minimum of delay and red tape, instant loans might be for you.

Life doesn’t always run to plan — instant loans may help

Most responsible adults like to think that they manage their finances. However, sometimes things change at short notice and that can leave even the best budget in tatters.

Just a few examples of the curve balls we all sometimes face:

  • the sudden, unpredictable bill — for example, a car breakdown;
  • kids outgrowing their school uniform far faster than expected;
  • that bargain where the seller has suddenly decided they can’t wait for payment and must have it now or else they’ll sell to someone else.

These things can catch anyone out and somehow, we have to cope. That is where quick loans, such as instant loans, might come to the rescue.

Get £100 to £3,000 paid out by 3:35 pm

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(It won't affect your credit score)
Representative 669.35% APR (variable)
View example
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How an instant loan could help

How do they work?

Using the latest generation of instant loans online is usually simplicity itself.

You go to the provider’s site and answer some basic questions about how much you want to borrow and over what period of time.

You will also have to give some basic information about yourself, including things such as your employment status, income and where you live.

Behind the scenes, instant loans direct lenders will be looking at the information and making a fast decision. In some cases, you may receive your instant loan approval in just a few minutes.

The money could be in your bank account within a few minutes or an hour or so after that.

You then repay the amount you have borrowed, including interest and any charges, in line with the schedule you agreed with your application.

Will I be subject to a credit history check?

Typically, yes, you will.

That’s partly because any responsible provider of instant loans will be complying with the legal requirement for them to check that their customers can realistically afford the sums they are borrowing. That is to protect your interests.

However, it may be possible to gain a decision in principle without a full credit history check, by using a no credit check instant loans service such as Instant Lolly.

That might be useful because every time a full credit history check is performed and the application subsequently refused, that fact itself is recorded on your credit history file, which could make getting credit even harder.

Will credit history problems stop me getting a loan?

No, not necessarily.

For instant loans, UK providers are required to take certain steps, but remember that very large numbers of people have credit history problems noted on their files. It is not unusual.

As a result, instant loans for bad credit may be available.

Of course, you must be realistic. Typically:

  • if your credit history is particularly bad, it may affect the maximum amount you can borrow and potentially the interest rate you will need to pay for it;
  • lenders will always reserve the right to refuse an application in cases where the credit history is interpreted to constitute an unacceptable risk for them.

How much can I borrow?

Providers will typically be as flexible as they possibly can, though they are obliged to be sensible.

Broadly speaking, they will use your request plus possibly some idea of your income and credit history, in order to decide upon a figure that is reasonable.

In most cases, that’s typically somewhere between £100–£3,000.

How long can I repay over?

Periods typically run from 1 to 24 months.

What can I spend the money on?

In most cases, anything you choose.

What is the difference between instant and payday loans?

Today, there is very little real difference.

At one time, payday loans were usually advanced on the basis that the sum was repaid, in full, on your next or perhaps next-but-one payday.

That repayment system has now become far more flexible and can be extended over up to 2 years.

Get your personalised quote

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(It won't affect your credit score)
Representative 669.35% APR (variable)
View example

Why you'll love our instant loans

Are you looking for instant loans online because you want something that is quick and easy to apply for? Then we think you’ll love Instant Lolly.

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

Flexible borrowing

Choose the ideal loan amount and repayment term for your needs. We offer loans from £100 to £3,000 over 1 to 24 months.

High acceptance — great approval rates for people with good and bad credit.

High acceptance

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

Fast funding — loans with quick decisions and speedy money transfers.

Fast funding

We'll give you a decision in seconds, and you could get money sent to your bank as soon as 15 minutes after approval.

Online convenience — 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!

How Instant Lolly can help

At Instant Lolly, we understand full well how expenses and opportunities can arrive with little or no notice. We also know that this can mean people need to move quickly in terms of gaining access to cash.

We are here to help you to think through your requirements and to find loans that are suitable for your unique set of circumstances.

If you think an instant loan might be right for you, why not try us out without further delay.

Can I apply?

To apply you must:

  • be at least 18 and a permanent UK resident;
  • receive a regular income, such as a wage, a pension or benefits.

You will also need:

  • a mobile phone and email address;
  • a UK bank account with a debit card.
We respect your privacy and will never use, sell or share your information for marketing purposes.

Ready for a quick loan? Get up to £3,000 within 15 minutes of approval

(It won't affect your credit score)
Representative 669.35% APR (variable)
Representative Example: £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, 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 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 commission from lenders or other brokers following an introduction through this website.