Smart Loans UK

You can apply for a loan 24 hours a day 7 days a week. Most of lenders work 7 days a week and can even deposit funds into your bank account on the weekend.

You can apply for a short term loan, it's quick and easy. You can use our online application form and enter in some basic details. If you are okay to apply you will then be transferred to a lender's website to complete the process. The lender may also ask some additional questions which were not asked in our application form. You can then sign your loan agreement online and receive your loan from the lender.

Yes, you can apply for a short term loan with Smart Loans UK if you have bad credit history.

No, we do not charge you a fee for using our loan matching service. However, if we are unable to find a loan for you we may be able to match you with an alternate broker who may charge you a fee for accessing their extended panel of lenders.

There will be no obligation to pay the fee, you will have the right to decline the fee and select a no fee option. We only work with brokers who offer a free trial period and full refunds when the service does not meet expectations.

If you decide to pay the fee, all our partners will take your payment details via their website using SSL-secured technologies. No one will ever contact you and ask you to purchase products in advance to prove your ability to pay.

Times will vary based on the lender you have agreed your loan with and also the type of loan you are looking for. Usually a short term loan can take as little as 30 minutes, which means funds can be sent to your account the same day as you are okay to apply. terms and conditions can change depending on your lender.

Short term loans are normally taken over a maximum term of 30 days so the APR is not the best way to see how competitive our rates are. Our lenders prefer to focus on the amount you pay back in total rather than on APR. We are confident that we offer the most competitive rates for this service.