Quick Loans Instant Decision

Quotes in 2-mins from all lenders who’ve pre-approved you > most lenders payout within 1-hour 👍

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.

  • one quick form
  • over 30 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
  • fully secure


  • Most lenders payout in 1-hour to 1-day*
  • CCJ’s missed payments and defaults okay
  • No guarantor required
  • One quick 2-minute online form
  • Choose from loans you’ve been pre-approved for
  • The loan could be paid out to you within the hour

* From lender application approval, which can be minutes for the smaller loans

  • Most lenders payout same day to 2-days*
  • One fast 2-minute online form
  • No guarantor loans still available
  • A guarantor may be required for larger loans
  • Poor credit rating (CCJ’s & defaults okay)
  • Choose the lenders who’ve pre-approved you
  • The loan could be with you today

* From the time the lender’s approved your application

Representative Example

Loans under £1,000: 99.8% Rep APR

  • If you borrow £500 over 52 months
  • At a Representative rate of 99.8% APR and an annual interest rate of 99.8% (fixed)
  • You would pay 52 monthly instalments of £13.41
  • The total charge for credit will be £197.32
  • The total amount payable will be £679.32

Loans over £1,000: 49.9% Rep APR

  • If you borrow £3,250 over 36 months
  • At a Representative rate of 49.9% APR
  • An annual interest rate of 41.16% (fixed)
  • You would pay 52 monthly instalments of £158.57
  • The total charge for credit will be £2,464.57
  • The total amount payable will be £5,714.67


Easy Online Form

Only 2-minutes to fill out form and get multiple quotes

Compare Loans

Compare the loans you've been pre-approved for

Pick Favourite

Choose your favourite loan and finish application with lender

Money Paid Out

If approved the money could be with you in an hour!

Frequently Asked Questions

Our lenders fastest loans can get paid out in less than 1-hour 👍

  • See our ‘Featured Fast Loan Deals’, where you can see that many lenders payout within an hour of approving your loan application, which can sometimes be done within minutes.

However, that the time it will take a lender to pay out loan funds will depend on:

  • You accurately filling out their application form
  • If the time of your application is within or outside their working hours (weekends and bank holidays can take longer)
  • How busy your chosen lender is at the time of your application
  • Your chosen lender (some are faster than others)
  • The amount you’re looking to borrow (larger amounts can require more checks)
  • Whether it’s a guarantor loan or not (guarantor loans typically take longer)

From £100 to £5,000 😀

  • No guarantor required – £100 up to £5,000* (99.8% Representative APR)

The amount you can borrow depends on:

  • Affordability – if you can show a regular income and you can comfortably afford the repayments

* The maximum amount our no guarantor lender offers regularly changes. Get quotes to find your loan options for the amount you’ve selected.

4 easy steps

  1. Fill out our simple online form (normally takes 2-minutes)
  2. Our cleaver automatic system sends your details to over 30 lenders and gets quotes from those who’ve pre-approved your application (takes about 20-seconds)
  3. Compare all quotes on our easy to read compare table
  4. Apply with your preferred lender (this will typically take another 2-3 minutes)

No 👍

  • Allcreditloans.net– we will never ask you for an upfront fee, and this website is completely free for you to use, see How We Earn Revenue.
  • Our Lenders – we do not work with lenders who charge upfront fees.
  • Using this website – NO

When you get quotes via this website you will not be credit checked, so there is zero impact on your credit file 👍

  • Completing your application with a lender – YES

Our lenders specialise in helping people with a poor credit rating, so do not worry if you have a few missed payments or CCJ’s 😀

When you submit your application with your chosen lender, they will perform a full credit check to protect you, ensuring your application is not fraudulent, with ID verification checks, and others.

Very safe 👍

We are fully regulated in the UK by the Financial Conduct Authority (FCA), see:

  • Authorised and regulated by the FCA. Permission Reference Number – 715726
  • Registered with the Information Commissioner’s Office – ZA535774
  • allcreditloans.net is a trading style of Max Your Finance Limited
  • Registered Office: Airport House, Suite 43-45, Purley Way, Croydon, Surrey, United Kingdom, CR2 0XZ. Registered in England & Wales, Company Number – 09737098

More Questions

Worry not, we only work with the very best specialist UK lenders 👍

This is where we add value to you, finding you borrowing options that would be very difficult to do by just “searching Google”.

All our lenders are

Get quotes to find out 📰


The cost will depend on:

  • The amount you borrow (larger loans typically cost more)
  • Over what period of time
  • The fees and interest rates charged by the lender

To find the cost, select your loan amount and loan term on your loan slider and get quotes.

Anything (as long as its legal and moral) 😀

Our lenders typically do not put restrictions on how you use the loan funds so long as its both legal with the UK, and moral. Our clients typically use their loan funds for:

  • Vehicles – repairs and replacement
  • Emergencies – some cash to pay for an unexpected emergency
  • and more

Typically lenders use the Faster Payments system to ensure the immediate money transfer

  • From the lender’s bank account
  • To your bank account (except for a guarantor loan, where this will get paid to your guarantor)

So, you will need a UK bank account into which the payment can be made.

Yes, but this can be good

When getting a loan can help 👍

  • When you take out an unsecured longer-term loan (typically 6 months plus) and make all the repayments in full, on time, and repay the loan in full as your loan’s agreement. Doing this will help your credit file as it shows other lenders that you are a responsible borrower.

When getting a loan can hurt 👎

  • If you miss payments, make late or reduced payments.
  • Some lenders of larger loans (mortgage, near-prime unsecured) also are not keen on short term finance such as payday loans; in their opinion, this shows the borrower is struggling to meet their day to day commitments.

Can be paid out the same day 😀

Guarantor lenders can pay-out the same day of a fully completed application, but this required

  • You – fully and accurately completing your application, including income and expenditure details, along with supporting documents and ID.
  • Your guarantor does the same

So, if you are your guarantor are motivated to get your application submitted accurately and quickly early in the day, it is possible to get paid out the same day.

For more information on guarantor loans click here.

Featured Fast Loan Deals

* Pay-out times from loan approval

Selected fast deals from our different loan types:

Cash ASAP Logo

Cash ASAP | Paid out: 15-mins* | Type: Instalment + Payday

  • £100 - £750 Borrow
  • 1 to 3 months Term
  • 1,297% Representative APR
  • 4.4 from ‎‎1,769 reviews
Dot Dot Loans Logo

Dot Dot Loans | Paid out: 9am next day* | Type: Instalment

  • £200 - £1,000 Borrow
  • 3 to 9 months Term
  • 757.7% Representative APR
  • 4.6 from ‎‎673 reviews
Cash Float Logo

Cash Float Loans | Paid out: 1-hour* | Type: Instalment

  • £500 - £1,000 Borrow
  • 3 to 6 months Term
  • 529.09% Representative APR
  • 4.8 from ‎‎621 reviews
Mr Lender Logo

Mr Lender | Paid out: 1-hour* | Type: Instalment

  • £200 - £1,000 Borrow
  • 3 to 6 months Term
  • 1,248.3% Representative APR
  • 4.7 from ‎‎7,298 reviews
Buffa Loans Logo

Buffa Loans | Paid out: 5-mins* | Type: Instalment

  • £100 - £1,000 Borrow
  • 3 to 6 months Term
  • 1,120% Representative APR
  • 4.7 from ‎‎341 reviews
Cash4Unow Logo

CASH4UNOW Loans | Paid out: same day* | Type: Instalment

  • £150 - £1,000 Borrow
  • 4 to 6 months Term
  • 1,314% Representative APR
  • 4.2 from ‎‎811 reviews
Lending Stream Logo

Lending Stream | Paid out: 90-secs* | Type: Instalment

  • £200 - £1,500 Borrow
  • 2 to 6 months Term
  • 894.9% Representative APR
  • 4.5 from ‎‎16,227 reviews
Wizz Cash Logo

Wizz Cash Loans | Paid out: 1-hour* | Type: Instalment

  • £300 - £1,000 Borrow
  • 3 months Term
  • 1,265% Representative APR
  • 2.2 from ‎‎8 reviews

Need more than £1,000?

Our lenders do affordable bad credit loans from £100 up to £5,000

  • one simple form
  • up to 27 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
  • secure
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