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Help Centre
UKLoanCity.co.uk makes getting a loan convenient through its online loan application. We’ve designed an easy three step process that saves our consumers time and makes getting the cash they need as straightforward as possible.
How does ukloancity.co.uk work?
ukloancity.co.uk is a broker, not a lender, and works with an exclusive range of lenders in return for a commission fee. We don’t directly offer loans. We allow customers to access our network of UK short term and installment lenders through our online form. We match customers with lenders in our network.
How much can I borrow?
Our panel of lenders can offer you between £100 - £5000.
How long does it take to apply for a loan and receive funds?
The online application takes a few minutes to complete. ukloancity.co.uk will then run your application through our network of lenders in an attempt to match you with a qualified lender. This process takes minutes. If your application is accepted, you will be forwarded to the lender’s completion page so that you can sign for your loan electronically.
How will I receive my funds?
Your funds will be transferred electronically into the bank account you have provided in your application.
If approved for a loan by an independent third party lender, how quickly could I receive it?
In most cases, if you are accepted by a lender, the transfer into your bank account could happen as early as the next business day. This will vary depending upon your lender as well as your financial institution. If you have additional questions regarding the transfer time, please contact your lender.
What is the eligibility criteria?
The eligibility criteria varies by lender. There are, however, standard criteria requirements that you will be expected to meet in order to apply. This includes the fact that you must be aged 18 years or older, live in the UK, have an active bank account into which you can receive direct debits and have a regular source of income.
Why do you require my personal information?
We require your personal information in order to present your application to our lenders so they can assist you by providing you a loan. Please refer to our Privacy Policy for more details about how we use your personal information.
Will you check my credit score?
ukloancity.co.uk does not run any credit checks, however some lenders in our panel may do so as part of the application process, please ensure you read the terms provided by the lender before proceeding.
What is your Representative APR?
Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97% (fixed) Representative APR: 79.5% (variable)
What should I do if I have problems repaying?
If you have any issues repaying your loan, please contact your lender directly. They will be able to discuss repayment options with you. If you have more serious concerns about managing your money, you may contact Money Helper (Moneyhelper.Org.Uk). Money Helper offers free advice to those who need to manage their money more effectively.
