Instant Loans Online

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Representative 277.5% APR Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed). The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances.

Warning: Late repayment can cause you serious money problems. For help, go to

How can I get help from an instant loan?

If a person applies for an instant loan over the internet they are looking to have access to the money that they need. Payday loans are good if you need some quick money for an emergency. If you need to fill out a long and complicated application this can lead to additional stress levels.

People often apply for an instant loan from a direct lender. They usually need the money for an emergency home repair or a car repair. There are many situations where a person may require money and we can help you find the perfect solution.

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What us an Instant Payday Loan?

An instant payday loan is a loan taken out for the short term. The money is available right away. This loan will help you get the money you need to handle an emergency. You will not have to wait to get the funds.

Most payday loans in the UK will have the funds in your bank in as little as one business day. A payday loan can have the money in your account in minutes. They are designed to help you handle an emergency.

What can an instant loan be used for?

If you need money quickly and cannot wait for you a loan than an instant loan may be right for you. Lenders will want to know what you are going to use the money for but you will be approved for may reasons. If you want to pay off debt, make a large purchase, or go holiday shopping you may get approved if you meet the loan requirements and pass the credit checks.

If the money is going to be used for business the loan will not be approved. If you want to get a business loan you may need to go to a specialist or even a bank. You will not be approved to use this money for gambling. If the money is going to be used for this purpose the application will be declined.

Emergencies and unplanned expenses can happen at any time. You can apply for an instant loan if you are faced with the following circumstances:

  • Emergency car repairs
  • Unexpected medical bills
  • Emergency home repairs such as plumbing issues
  • Expenses or a funeral
  • Changes in income such as a delayed paycheck

An instant decision can make the difference between getting the quick funds you need today or not. By simply applying online you can find out whether you're eligible to borrow immediately.


How can I get the money into my bank today?

When you are approved for the loan you can have the money put into your bank account in as little as 15 minutes. Many people get the funds in the bank faster than this. Some banks may take a couple more minutes to process the transfer than other banks.

The entire application can be done using a computer or a smart device. There is no paperwork needed and the process is easy to complete.

Can I apply for an Instant Loan?

To be eligible for this loan you need to be employed. You can even be employed in a part-time position. Your income does need to be consistent and you need to show that you will be able to repay the loan in monthly installments. The amount of money you will need to make will vary based on the amount you are looking to borrow. You need to be a resident of the United Kingdom. You will also need to have a valid bank account and you will need a debit card.

The lenders that will review your application will do what is called a soft search. This will not affect your credit score. If you have a lower credit score you can still apply for the loan. We work with lenders that can help people with poor credit and those that have been turned down before.

No need to wait for your loan

A quick loan should be just that... quick. Getting an immediate decision regarding your application, along with possible same day cash payouts is key when you need money in a hurry.

Let MoneyFall help you with our free brokering service.

What are the fees on an Instant Loan?

Lenders may charge you a fee however MoneyFall does not charge anything for our free brokering service. If they do this will be stated in your agreement. Some lenders will not charge anything while others may charge a fixed rate.

All of the loans are reviewed and regulated by the Financial Conduct Authority. The lenders need to follow all ethical codes and regulations. They will need to be upfront about any charges.

I do not have perfect credit. Can I still get a loan?

Credit is the number one thing that traditional banks look for when loans are requested. Your credit score will be used to determine if you are a risk and if you qualify for the loan. If you do not have a good credit history you can be rejected by the bank. The bank thinks that you will not be able to pay back the money.

Instant loans will look at the finances of the applicants but they will make a decision strongly based on employment and wages. This will allow them to approve more people including a person that may not have perfect credit.

Good credit is important. The Credit reference agency will continue to monitor your credit. When you get a new credit card or loan make sure you pay them on time to keep your credit rating up. it is easier to build credit then to repair it.

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What are some ways I can improve my credit score?

If you have a low credit score there are some things you can do to improve it. You are going to want to look for errors on your credit report and correct them. You also need to make sure you pay your bills on time. Paying online will help improve your credit score.

You must be on the voter’s roll. This will help credit confirm your address. You need to close any old accounts too. Correcting errors on your credit report can help you improve your credit quickly.

Is it easy for apply for an instant loan?

Yes, the process is simple. Technology allows the entire process to be completed online. There are no appointments or paperwork to mail it. In most cases, a person will have the money in the account 15 minutes after they are approved.

What happens if I cannot repay the loan?

If you have taken out a loan and are struggling to repay it you need to contact the lender immediately. The lender may be able to help you. They may even wave the interest fees and other fees associated with the loan. This will help you make payments and will have a reduced impact on your credit score.