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Borrow money - Borrow money up to £100 to €5000

 Do you require a loan for three to sixty months for between £100 and £10,000? Borrowers searching for loans now have more options than ever, but what if your credit is less than ideal?

Let's look at the choices you have if you need to borrow money quickly:

How much credit am I eligible for?



Numerous variables, including your individual circumstances and financial status, will affect how much you are eligible to borrow. The most crucial question to ask yourself is how much money you really need. If you need a small-dollar loan for a short period of time or if you need money for a larger purchase, such as a car or a piece of property, the answer to this question may help you determine the sort of loan you need. It will take more time to borrow for the latter.

At Little Loan, we focus on providing quick loans with durations ranging from three to sixty months for amounts between one hundred and one thousand pounds.

The sums our customers apply for are listed below

 customers apply to borrow:

£100 up to £5000

What if I my credit is bad?

Bad credit lenders, for instance, may be curious about and take into account your present personal and financial conditions in addition to your credit report information, which is highly significant in general.



If you have bad credit but can show that you have the means to repay the loan, some of the lenders on our panel may be willing to give you a loan. They will look at your affordability and your income and expenses. If they believe you will have some extra money at the end of the month, they could be able to approve your application.

How can I get a loan quickly?

Visit our Quick Check feature. Simply enter your information, and we'll let you know what your odds are of receiving a loan from one of our lenders. A full application can be submitted if you get a favorable response, and if it's accepted (pending status), your money might be transferred to your bank in a matter of minutes*! 


What will the price be?

Your loan's cost fluctuates and is influenced by a variety of factors, such as:


Your present financial status and credit score

How much you want to borrow and the timeline for repayment

The amount of risk a lender considers in deciding to give you money will be reflected in the interest rate you're charged. The rate provided will be fixed and may be the same as the representative APR displayed on the lender's website; on rare occasions, the rate provided may, based on your unique offer and your circumstances, be lower or higher than the APR. You will never be charged to use our service.


What details do I require?

Most of the time, your lender won't require any paperwork or identity from you. The entire application process is done online.


You will also need to supply information about your monthly income, monthly expenses, past addresses, and source of income in addition to your bank account information. Your bank account information is used for verification purposes as well as so the lender will know where to transfer the funds if your application is approved.


Am I eligible for a loan?

Even with bad credit, you can still qualify.

We can't speak for other lenders or brokers, but in order to submit an application for a loan with Little Loans, you must:


be older than 18 years old

having a UK address

possess a debit card and a bank account in the UK

own a stable income

Pay your income into your bank account directly.

Should my credit be checked?

To put it as simply as I can, yes, a credit check is required in order to borrow money. Every lender who is licensed by the Financial Conduct Authority (FCA) and registered with them must conduct a hard credit check as part of their assessment of your capacity to repay the loan you're requesting.


Lenders or brokers that assert that you can obtain a loan from them without having your credit checked should be avoided at all costs. Most likely, they are not subject to FCA regulation, which means that if something goes wrong, you won't have much protection.

How do a lender and a broker differ from one another?

differences between direct lenders and brokers

We have stated how crucial hard searches were. Why?


When a lender does a thorough inquiry about you, they have access to the inquiries conducted by other financing companies as well. Additionally, a lender may be less inclined to lend you money if they see that you have recently had a lot of searches done on you since they may assume that you are having financial difficulties. Your credit score may be negatively impacted by conducting too many difficult searches.

How can a potential borrower determine if this is the suitable lender for them based on what they're looking for on their websites? The answer is no, and by filling out application after application in search of the ideal lending firm, they run the risk of harming their credit score.


When you work with a broker like Little Loans, we only reach out to the lenders who are most likely to grant your request, and if you complete an application on the lender's website to which we have directed you, only one hard credit inquiry will be run on your name.


Utilizing a broker can help you save time while also preventing harm to your credit score.


What will happen if I'm accepted?


If your request for a loan is granted, you'll see:

Your repayment schedule, which details when and how much money will be deducted from your account by the lender, along with the interest rate for the loan and any additional fees that may apply if you choose to pay off the loan early or miss a payment

Please take a minute to read and comprehend the terms and conditions of your credit agreement if you approve of the offer and are confident that you can repay the loan. If you don't, you will be legally obligated to abide by its terms.

How soon can I receive the money?


If you decide to move forward, accept the terms and conditions (keep a copy for your records), and the lender will transfer the funds to your bank account within minutes*.


Depending on outside variables including the pace at which your bank processes payments, how long it takes for incoming payments to be accepted, and whether it is a weekday or a weekend, the exact time it takes for the money to appear in your account may vary.


Generally speaking, a guarantor is not required to apply for a loan with Little Loans. Without the requirement for a guarantor, we have a panel of lenders who may be able to provide you a loan despite your poor credit history.


What possibilities are there for repaying borrowed funds?

The repayment period for loans made through Little Loans ranges from three to sixty months for amounts between one hundred and ten thousand pounds.


The terms of repayment for a £100 loan, for instance, would be 3, 6, and 12 months. The periods of repayment for a 1000 pound loan range from three to thirty-six months.

Should I take out more debt given how much I already owe?


You shouldn't submit an online loan application if you are concerned about your level of debt and your capacity to manage it. You could find it helpful to get in touch with one of the UK debt organizations that provides free guidance and assistance to borrowers, such as StepChange and Money Advice Service.


Please keep in mind that if you repeatedly miss due dates on any open credit accounts, you can be required to return them immediately. Please don't submit a new online loan application if you have any doubts about your ability to pay back your existing credit accounts.






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