Small Loans

Choose your credit limit:

£ 500
  • £ 100
  • £ 200
  • £ 300
  • £ 400
  • £ 500
  • £ 600
  • £ 700
  • £ 800
  • £ 900
  • £ 1000
  • £ 1100
  • £ 1200
  • £ 1300
  • £ 1400
  • £ 1500
  • £ 1600
  • £ 1700
  • £ 1800
  • £ 1900
  • £ 2000
  • £ 2100
  • £ 2200
  • £ 2300
  • £ 2400
  • £ 2500
  • £ 3000
  • £ 3500
  • £ 4000
  • £ 4500
  • £ 5000

Representative 1192% APR (variable). Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 18 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed).

You don’t want to borrow a large sum of money when you’re only facing a temporary financial hiccup, but banks rarely issue small loans. We’ve been there and understand the frustration.

Good News: You could borrow as little as £100 over the short-term and could see the cash in your account the same day!

Let’s take a closer look at what to expect from a small loan.

An Amount and Duration that Suits You

There are many reasons why you might want to borrow a small amount – perhaps you’re facing an unexpected bill, need to make a quick upfront purchase or have gone over your monthly budget in some way.

Not matter what you’re situation, our lenders let you request the amount you wish to borrow and the duration you have to pay it back.

For example you could request £200 over the minimum one month period. These personal loans function much like payday loans, where you would need to repay the full amount within 30 days – ideal if you just need to tide yourself over until your next pay check arrives.

You might instead choose to repay in instalments over 12 months or 18 months, giving you plenty of time to manage the financial burden.

Note: Lenders will do their best to give you the terms that you want, however based on your application they may make an offer that’s more realistic – be that a smaller sum or longer/shorter term.

Small Loans Available for the Unemployed

Ideally lenders want applicants to be employed or self-employed, but if you have a verifiable source of income (benefits or otherwise) small loans may be available for the unemployed.

The only other eligibility requirements are that you’re over the age of 18, are a legal resident of the UK and can provide contact details, and have an active UK bank account where the money can be deposited and repayment(s) taken by direct debit.

Get Fairly Assessed

We ourselves do not carry out any credit checks, but the lenders in our network may do so as part of their approval process. The good news is that this is not an automatic barrier, as a range of factors such as your income level, employment status and other personal details will be assessed before a final decision is made.

It is very rare for lenders to make legitimate offers without credit checks, and any website promising this may be misleading you.

We strive to be open and honest and can assure you that borrowers with bad credit have been approved for small loans through our service, but they most likely were credit checked by the lender.

Read on to find out more about the easy application process.

Easily Apply Online to Save Time

You don’t want to borrow a large sum of money when you’re only facing a temporary financial hiccup, but banks rarely issue small loans. We’ve been there and understand the frustration.

Good News: You could borrow as little as £100 over the short-term and could see the cash in your account the same day!

Let’s take a closer look at what to expect from a small loan.

An Amount and Duration that Suits You

There are many reasons why you might want to borrow a small amount – perhaps you’re facing an unexpected bill, need to make a quick upfront purchase or have gone over your monthly budget in some way.

Not matter what you’re situation, our lenders let you request the amount you wish to borrow and the duration you have to pay it back.

For example you could request £200 over the minimum one month period. These personal loans function much like payday loans, where you would need to repay the full amount within 30 days – ideal if you just need to tide yourself over until your next pay check arrives.

You might instead choose to repay in instalments over 12 months or 18 months, giving you plenty of time to manage the financial burden.

Note: Lenders will do their best to give you the terms that you want, however based on your application they may make an offer that’s more realistic – be that a smaller sum or longer/shorter term.

Small Loans Available for the Unemployed

Ideally lenders want applicants to be employed or self-employed, but if you have a verifiable source of income (benefits or otherwise) small loans may be available for the unemployed.

The only other eligibility requirements are that you’re over the age of 18, are a legal resident of the UK and can provide contact details, and have an active UK bank account where the money can be deposited and repayment(s) taken by direct debit.

Get Fairly Assessed

We ourselves do not carry out any credit checks, but the lenders in our network may do so as part of their approval process. The good news is that this is not an automatic barrier, as a range of factors such as your income level, employment status and other personal details will be assessed before a final decision is made.

It is very rare for lenders to make legitimate offers without credit checks, and any website promising this may be misleading you.

We strive to be open and honest and can assure you that borrowers with bad credit have been approved for small loans through our service, but they most likely were credit checked by the lender.

Read on to find out more about the easy application process.

Easily Apply Online to Save Time

There’s nothing more frustrating than having to apply with lender after lender, especially if you’re in an emergency and need quick cash.

Fortunately UK Loan City works with a large network of direct lenders, so when you submit your details with us you stand a great chance of being matched with one of them.

Even better, the streamlined process is carried out entirely online. Simply fill out our loan request form, wait to see if you have been matched and you will then be directed to the lender’s page for an instant decision. You will know onscreen if you have been approved.

What’s more, once you’ve digitally signed the contract they will begin the deposit process as soon as possible and you could see the funds in your account as soon as the next business day.

Clear Terms and Interest Rates

There’s no need to worry about the burden of your personal loan as the amount you’re borrowing, its repayment schedule and interest rate will be made clear to you prior to signing the contract.

Small loans with a one month duration may only be required to be repaid in one lump sum, whereas larger loans with longer durations are commonly repaid in fixed monthly installments with interest applied to each installment.

Smaller loans over a short-term may command a higher interest rate, though you’ll be paying less overall compared with larger loans over the longer term.

Get a Small Loan Today

Think a small loan is right for you? Then submit your information now and you can tap in to our network of online direct lenders without having to visit a bank or fill out stacks of paperwork!

“>There’s nothing more frustrating than having to apply with lender after lender, especially if you’re in an emergency and need quick cash.

Fortunately UK Loan City works with a large network of direct lenders, so when you submit your details with us you stand a great chance of being matched with one of them.

Even better, the streamlined process is carried out entirely online. Simply fill out our loan request form, wait to see if you have been matched and you will then be directed to the lender’s page for an instant decision. You will know onscreen if you have been approved.

What’s more, once you’ve digitally signed the contract they will begin the deposit process as soon as possible and you could see the funds in your account as soon as the next business day.

Clear Terms and Interest Rates

There’s no need to worry about the burden of your personal loan as the amount you’re borrowing, its repayment schedule and interest rate will be made clear to you prior to signing the contract.

Small loans with a one month duration may only be required to be repaid in one lump sum, whereas larger loans with longer durations are commonly repaid in fixed monthly installments with interest applied to each installment.

Smaller loans over a short-term may command a higher interest rate, though you’ll be paying less overall compared with larger loans over the longer term.

Get a Small Loan Today

Think a small loan is right for you? Then submit your information now and you can tap in to our network of online direct lenders without having to visit a bank or fill out stacks of paperwork!

WARNING: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
UkLoanCity.co.uk is a broker, not a lender, and does not make credit decisions.