Instant Loans

UKBadCreditLoans provide you with loans at speed. The application process is completed in five minutes, and the approval can take a maximum of 60 minutes.

Get My Quote

Are you in urgent need of money but are not sure where you can get an instant loan? An emergency can happen to anyone, and it is futile if you don’t get money instantly in that situation and it gets credited to your bank account after two weeks. We understand that such a situation can happen to anyone and have great empathy for them. As a result, our platform lets you connect with lenders who provide loans instantly.

The application process can be completed in 5 minutes, and the approval can take as little as 15 minutes. Some lenders may even transfer the amount to your bank account within the same day of applying.

What Are Instant Loans?

Instant loans are a type of short-term borrowing aimed to provide people with instant access to money when they need it, sometimes in an emergency. They can be a solution to an emergency need or a significant unexpected bill that caught you off guard financially if used appropriately. They are usually simple to apply for, have an immediate decision, and money is usually paid to your bank within 60 minutes.

Are Instant Loans Payday Loans?

No, payday loans are not the same as instant loans. Instant loans differ from payday loans in that they are often repaid over a longer period of time, whereas payday loans must be returned in full on your next payday. Instant decision loans are more flexible and can be returned over a period of months, a year, or even longer.

Can I Get Approved Instantly?

Yes, you can get an instant approval decision, but when we send your information to a lender, they must run a few checks to confirm that the information you provided is accurate and that the loan is right for you. After that, the lender will decide whether or not to approve your application.

How much can I apply for?£100 to £5,000Zero-obligation quote
Length of the repayment1-36 monthsQuick payout
Interest rates (variable)49.7%Zero paperwork
Can I apply with poor credit standing?YesBad/low credit considered
Do I have to pay a lump sum?NoFlexible repayment
When am I allowed to apply?24/72-min simple application
Get Started

What Can I Use the Money for?

Unexpected Auto Repairs

An auto vehicle or car needs maintenance costs. You may have planned for these obligations, but what if your car breaks down. To meet this unexpected cost of repairs, you can use the money from Instant Loans.

An Unforeseen Medical or Vet Bill

Healthcare has become highly costly, and you may incur large bills if you or someone in your family gets sick. You can use Instant loan funds to cover these costs. You can also pay for the vet bill from the loan fund.

Appliance repairs

If you have an appliance that has stopped working, but you don’t have any money to get it repaired, you can take out a loan to get it fixed.

Household goods purchase

Sometimes the cost of household goods can be so higher that you may have to take out a loan to cover these costs. Instant loans can help you handle such expenses.

Home repairs

Are you planning to add a porch in front of your house or want to beautify the backyard garden? With the instant loan amounts, you can also get your home repaired on renovated.

Funeral expenses

Nothing can be as sudden as someone’s passing. In that very instant, if you need money to cover the funeral costs, online instant is the go-to option.

Checklist before You Apply for an Instant Loan

To be eligible to get an instant loan, a borrower must fulfil certain requirement as given below:

Must be a UK resident

In order to get instant loan, a borrower must be a UK resident.

Must be Atleast 18 Years Old

Only adults above the age of 18 years are considered eligible for taking out an instant loan.

Regular Flow of Income Paid into Your Bank Account

Since many lenders don’t consider credit score as the sole criterion for providing loans, they also assess your repayment ability. This assessment is made based on a regular income credited to your account.

Have a bank account with a debit card

A borrower must also have a UK bank account with a debit card in order to qualify for an instant loan.

Get your quote for free!

Start Now

Benefits of an Instant Loan

Instant Completion of Online Application

The application process for an instant loan is designed as such that it can be completed in no more than 5 minutes.

Quick Approval Decisions

As soon as you are done applying, lenders are provided with your details which they start to verify. This process doesn’t take much, and your loan application can get approved in as little time as 15 minutes.

Funds Transferred The Same Day

In most cases, you will get the loan funds transferred into your bank account within 24 hours of getting the approval.

Simple Online Processing of Documents

The lenders process your documents before they finally approve your loan. As this process is also online, it entirely smooth and simple.

Looking to Borrow Money Easily?

1 month

Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

What Precautions Should I take When Taking Out An instant payday loan?

The Lender

A borrower must always borrow from a lender approved by FCA. The Financial Conduct Authority is the organization in charge of approving financial services firms in the United Kingdom, including payday loan providers.

Lending Time

Because they must do basic checks first, a credible lender can't execute and disburse a short-term loan in seconds. Because they have automated payday loan application processes, the best payday lenders can do this in minutes. It's not possible to do it in seconds! Therefore, avoid lenders who claim to be able to provide payday loans in a matter of seconds.


UKBadCreditLoans provide you with loans within minutes. The application process is completed in five minutes, and the approval can take a maximum of 15 minutes. Some lenders may even transfer the loan amount into your bank account within a few hours after approval. Moreover, the lender's legitimacy and genuineness are the borrowers' biggest concerns when applying for a loan. However, the lenders hosted on our platform are already responsible lenders.

Get An Instant Offer for Your First Instant Loans Now!

UKBadCreditLoans can help you get instant loan approval in as quick as 60 minutes. What are you waiting for? Get started now!

Get Your Quote