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Once we’ve found you a loan, then you can apply with the lender directly. They may require some additional information and documentation.

This two-step process is the quickest way to find out if you are eligible and it ensures that you get the loan you want. When you first fill out that application form on our page, we ask you what kind of loan you are hoping to get.

We want to know a few specifics about the loan so that we can connect you to the best lenders for your situation. Not all of our lenders offer the same loans, so it’s important to filter through them to find the most appropriate choice.
Now, let’s answer a few quick questions you may have about the lending process and how it works here.

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Will I Need to Put Anything Down as Collateral?
These are all unsecured loans, which means that you never have to commit any property or belongings of your own to the loans. There is no collateral involved to protect the lenders from risk. Instead, they assess your finances and determine how much or how little of a risk you are based on that.
If you are considered too risky for any of these loans, due to tight finances or bad credit, then you may be able to get a guarantor loan. With this kind of loan, you would have someone else in a better financial situation than you sign for the loan. Then you consign with them, but they shoulder the responsibility for it.

How Soon Will I Get My Money?
We know that you are eager to receive your funds, and after you are approved for the loan of your choice, it won’t take long to get them to you. Some lenders can have your funds to you in as little as 24 hours, but depending on the type of loan it is, it can take up to three days. The larger the loan, the longer it usually takes. You can always check on the status of the loan with your lender.

What Will My Costs Be?
We will never charge you a penny, our service is completely free and we seek our payment through the lenders so you will get your loan at a fee free cost.
You will obviously have to pay the base loan amount. That’s the exact same amount as you borrowed, and it is called the principal. On top of that, each loan comes with interest, which is compounded regularly. There may also be some fees related to the loan, such as a processing fee, early repayment fee and late fee.
If you do pay late, you can expect to pay more, as fees and interest may be added to you.
We are your best choice for finding the right loan no matter what your financial situation is. We work with many lenders who have a lot of options for you, so you can rest easy knowing that you are getting the most applicable loan for your circumstances.

5 most recent personal loan reviews

Review of Oakam

There are no other companies who can finance you as easy as Oakam loans, fast, courteous, reliable, no penalties and no hidden fees - real people for working class. Be honest find a friend to back you and you're done. Over 3 months I got £10,000, thank you Oakam you were there for me when all banks said NO.

Review posted by Daniel Fisher, Grantham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Cashflex

Cashflex was very considerate and understanding in giving a loan to a person with a limited credit history in the UK. Although I am in a well paying job, the fact that I moved recently to the UK makes people like me with a limited credit history look totally untouchable for high street banks. Cashflex opened a door and some breathing space for me, whose only other option would be payday loans. Thank you very much Cashflex!

Review posted by Manu Balewa, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Flexy Finance

After almost giving up on all my wedding plans due to the fact my grandfather had recently been diagnosed with lung cancer, taking months off work to look after him and attend his treatments, this took a massive impact and couldn't afford to pay our venue. Our wedding is in June and the pressure was getting to much! Not to mention the worry and feeling anxious that my grandad won't be here to give me away, it's basically now or never. So knowing my credit isn't the best I just hit a wall and thought this was the end! Until I came across Flexy Finance loans! After having a chat with my sister who wanted the wedding to go ahead as much as me she very kindly agreed to stand my guarantor! I only applied Saturday evening Tuesday £4000 cleared into my account! So a massive massive thank you! You've not only helped my dreams come true but given my family hope and something very good to look forward to! Would recommend to anyone.

Review posted by Anita Moir, Downham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

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Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable)