Secure UK website est. 2015
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. AllCreditLoans is a licensed credit broker and not a lender.
Choose your loan amount: £500
How many months?
- No Hidden Fees or Surprises
- Free No Obligation Quote Without Harming Your Credit Score
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
All Credit Loans is a licensed credit broker and not a lender.
Representative APR: 79.5% (variable)
Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97% (fixed)
*Subject to application being approved by the lender. Not all lenders are able to provide up to £5000.
• SEE LOAN DEALS •
* Subject to affordability and lenders criteria
Frequently Asked Questions
When getting quotes there is no impact on your credit file 
Lenders do a ‘soft search’ which cannot be seen by others, this does not impact your credit score, to get quotes:
- Fill out our 3-minute form
- Receive online quotes in 30-seconds
It’s possible 👍
When our lenders look at your application, they don’t just look at your credit file, they also look at your personal circumstances, such
- Income – is you have a provable steady income (benefits, self-employed, employed, pension etc.)
- Affordability – are the loan repayments affordable to you
- Bank account – most lenders now require applicants to have a UK bank account
- Guarantor – do you have a guarantor? If yes, then the typically more affordable guarantor loans are available to you.
- Other things also – this varies from lender to lender
Credit Check Fail Items 👎
Unfortunately, our lenders will not accept everyone, and areas that may cause you to fail the credit check could include
- Being insolvent – if you are currently bankrupt, in an IVA, Trust Deed (Scotland), debt management plan
- Too young or old – if you are under 18 of over 75
- No permanent address – no residence you can call a permanent home
- Non-UK resident – applicants must be permanent residents of the UK
Our lenders have loans from £100 all the way up to £5,000 👍
How much you can borrow will depend on your status and how much you can afford, for example:
- No guarantor – if you don’t have a guarantor, then you’ll be able to get up to a maximum currently of £5,000
- No bank account – currently only out doorstep loans are suitable to those with no bank account, which are from £100 to £1,000
This will depend on the type of loan you are going for:
3 – 5 days
Doorstep (£100 – £1,000)
- The online application process can be done in typically less than half an hour
- The agent’s representative needs to visit your house and complete the application in person; the time they’ve available to visit will depend on their availability, which can delay things a little.
- They will complete your application and make the loan payment in cash there and then.
Same day – 2 days
Instalment & unsecured (£100 up to £5,000)
If you have all the information required by the lender available, and supplied in good time, then some lenders can pay-out the same day.
Typically, proof of *
- ID – such as a UK driving licence or passport
- Address – such as a utility bill
- Income – payslips, benefits statement etc.
- Expenses – bank statements
* Each lender has its own list of acceptable documents that they require, and to ensure fast pay-outs, you should get all that they require quickly.
- Using allcreditloans.net is free – see how we earn revenue
- Applying to all our lenders is free – though they may have other costs as well as interest charges, which they will tell you about up front.
To get the costs, fill out this 3-minute form to get quotes, then apply to your preferred lender.
Credit File Questions
To verify who you are, where you live and that you’re not bankrupt ✍
- Identity – in today’s connected world, they need to double check who you say you are; this is also for your own security (to stop someone else taking out a loan in your name!).
- Address – as part of your ID checks, they also need to check you have a permanent address.
- Solvency – our lenders currently only accept borrowers who are solvent, in other words if you’re bankrupt, in an IVA or Trust Deed, or debt management plan, you’ll not be accepted, so they need to check this.
Lenders so soft searches only 👍
When you fill out our application form to get quotes, lenders do what’s called a ‘soft search’ on your file.
These ‘soft searches’ cannot be seen by anyone else, or any other lenders, so does not impact you credit score, or future loan applications in any way.
Possibly 🤔
Typically, if you get a loan out and then pay it back on time, and in full, this is considered good for your credit file.
Normally true for longer term loans such as 👍
- Guarantor
- Unsecured
Often not the case for short term credit such as 👎
- Payday
- Instalment
- Doorstep
Whilst this may not seem fair, but many of the ‘high street lenders’ view the use as short terms credit as a possible sign of poor money management.
There are three credit reference agencies in the UK which record details of your credit history:
- Experian
- Equifax
- Trans Union
Checkmyfile
- Not all information is included by all three agencies! So to save you some time Checkmyfile draws information from all three agencies.
- Checkmyfile is free for 30 days, then for just £14.99 a month after, which you can cancel online at any time.
Credibble
- If you’d like intelligent guidance on how to improve your credit score, see Credibble.com
- Credibble is £7.95 a month (cancel online at any time)
Featured Loans
Get a loan quote
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. AllCreditLoans is a licensed credit broker and not a lender.
Choose your loan amount: £500
How many months?
- No Hidden Fees or Surprises
- Free No Obligation Quote Without Harming Your Credit Score
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
All Credit Loans is a licensed credit broker and not a lender.
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