Quick loans

Need to get money paid into your bank account today?

If you're looking to borrow money quickly, then Instant Lolly could be the perfect solution for you. With a quick loan from Instant Lolly, you'll get a fast online decision and cash sent within 15 minutes of approval.

Get £100 to £3,000 paid out by 11:56 pm

Apply Now
Representative 669.35% APR (variable)
View example

What are quick loans?

No matter how well you manage your budget, there may be times when you need to borrow money through no fault of your own. Maybe your car needs emergency repairs or your boiler has broken down or some other financial emergency has hit you.

In these and other situations, quick loans can be a way for you to access emergency cash fast.

These loans are similar to payday loans in that they are flexible in terms of how much you want to borrow (you can typically borrow from £100 right up to £3000) and over what period of time (from one to 24 months).

Unlike some other types of loans, quick loans in the UK are designed to be approved and paid out fast – hence the name! That is why they are also known as same day loans.

Do you need a quick online loan?

Then find out more about how Instant Lolly can help you right here.

Types of quick loan

Same day loans

Same day loans are a type of payday loan where you can apply for and (if approved) get a quick loan on the same day. This may be ideal if you need cash today, perhaps for an emergency, such as new tyres for your car or a new washing machine. They are a form of quick loans that can be tailored to suit your needs.

Instant loans

Instant loans do what they say on the tin — these are quick loans where you can get an almost instant decision and, if your application is approved, the funds are typically transferred speedily to your bank account the very same day.

Also known as cash or payday loans, in many cases you can apply for these even if you need a bad credit loan.

Cash loans

Cash loans provide you with a way of borrowing money, fast. They are similar to payday loans and same day loans in that you borrow money and pay it back on your next payday or several months later. Cash loans can be short-term (so one month loans) or, if you borrow a larger amount, they may be repaid over a maximum of 24 months.

Emergency loans

There may be times when a financial emergency strikes and payday is still several days or weeks away. Perhaps your car has broken down and you need it to get to work? Or, you have a vets’ bill that needs paying while you wait for your pet insurance to pay out? Or, perhaps you need a same day loan for another reason? Whatever the reason, an emergency loan may be a solution.

Text loans

Text loans used to be a way of applying for a payday loan from a lender you already had an existing relationship with. The idea was that when you needed an instant loan, you simply texted the amount you required to the lender and they would do a few quick checks before typically approving the loan.

However, affordability checks are now much more rigorous — as a minimum, you will need to provide a fresh breakdown of your income and expenses with each new application. As such, text loans don't really work any more and are no longer available.

Quick loans online

At Instant Lolly, we understand that sometimes you may need quick access to cash when payday is still a way off. This could be a short-term loan to plug the gap in your finances until you next get paid, or could be over a longer period of time. And with our quick loans online, we offer both small and larger personal loans, from £100 to £3000.

It's easy to apply

Our same day loan service is easy to apply for. Simply complete one short form and provide the information required, including how much you want to borrow and over what length of time, and we’ll do a quick check to see if we can help.

We will give you an almost instant loan decision and if your loan is approved, the money could be in your bank account within 15 minutes!

Apply Now
Representative 669.35% APR (variable)
View example
verified_user FCA: 742221
visibility ICO: Z3495700
lock 256-bit SSL

Quick loan FAQs

Can I get a quick loan with bad credit?

At Instant Lolly, we work with lenders who understand that sometimes you may experience financial difficulties that cause a black mark on your credit file. Providing you meet the eligibility criteria and can prove that you will be able to comfortably afford to repay the cash, then quick loans for bad credit are available.

Will applying for a quick loan affect my credit rating?

When you apply for an instant loan, we carry out a “soft” search to check your eligibility — this is not visible on your credit file to any other financial institutions.

If you are approved for a personal loan, the lender will do a “hard” search. This will show up on your credit file and means that other financial institutions can see it.

This can be a good thing if your loan repayments are up to date, as it shows you are meeting your monthly repayments.

Can I get a quick loan through Instant Lolly today?

Yes, you can! As long as you eligible to apply, and you can show that you will be able to pay the loan back on time, then you can apply for quick loans today! If your payday loan is approved, the money could be with you within the next 15 minutes!

Won't it be quicker to apply with a direct lender?

Not necessarily. There are a huge amount of quick loan UK lenders to choose from, but knowing which payday lender to apply to and whether you meet their eligibility criteria may be difficult and time-consuming. At Instant Lolly we do all the legwork for you by matching your own unique set of requirements and financial circumstances to the most suitable short-term loan lender.

Quick loans 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 — loans 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 — loans with quick decisions and speedy money transfers.

Fast funding

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

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!

Ready for a quick loan?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 www.mymoneysteps.org; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit moneyadviceservice.co.uk; 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.