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*Online decision

*Responsible lenders

*Borrow up to £995

*Rates from 278% to 1576%

*3-12 month repayment



*Instant Decision

*60-Second Application Form

*From £1,000 to £25,000

*Rates from 4.7% to 278%

*3-36 month repayment

How We Can Help

Credit Card Debt

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Why Compare Loans With Us?

You Have Complete Control

A Massive Variety of Loan Types

Safe and Secure Online Process

The Most Reputable UK Lenders

By allowing you to take control of the plan it means that we will be able to find a plan to suit any individuals needs. It doesn’t matter what your circumstances are, we will be able to help you get the finance that you need without the usual hassle involved.

It is easy for you to find the loan that suits your needs best. By filling out one simple online form we will be able to determine exactly which kind of loan will suit your needs the most be it a payday loan, debt consolidation, emergency cash loan or a logbook loan.

In the modern age, our accounts and information are being collected every time we turn our heads. It is our company policy that we will not share any of your personal information with any third party company. We will never sell your data to anyone.

We only work with the most reputable lenders from across the UK. This means that you will never be taken advantage of with hidden fees or false promises. Only the very best and most suitable UK lenders will be put forward when you make your application.

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)

Please note:
LoanLingo is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances

Representative Examples from Competitive Companies

Loan amount
Loan term
3 months
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Loan amount
Loan term
2 Months
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15 Minute Loans UK: Finding the Best Loan Options

Key points

  • It’s true… many smaller loan amounts can be paid out in as little as 15 minutes online.
  • These are particularly useful loans for those looking for fast cash in an emergency.
  • As they tend to be smaller loan amounts, bad credit is considered and no guarantor is needed during application.

Although loans have been around since time immemorial, the demands for loans and other loan services only continued to increase throughout the years. But as the number of borrowers who avail of loan services continued to rise, so did the number of borrowers with unpaid debts. In an effort to address what was then a rising problem, traditional lending institutions such as banks and other lending firms have decided to come up with a solution by devising a credit scoring system. Under this credit scoring system, lending firms were easily able to classify borrowers according to their financial adequacy. Borrowers whom the lending firms believed were well capable of paying off their loans were easily segregated from the borrowers whom the lending firms believed were unlikely to be capable of paying off their loans at all. Through this credit scoring system, individuals with income levels that do not meet what the lending firms required as the minimum were given poor credit scores, while borrowers who repeatedly or frequently missed out on their recurring payments consequently had their records reflect bad payment histories. As a result, borrowers with poor credit scores and bad payment histories were automatically disqualified from availing any loans from any of the legitimate lending institutions. And while this credit scoring system was extremely helpful to the lending firms, its effects to the borrowers with bad credit were of grave financial consequences.

Because individuals with poor credit scores and bad payment histories were no longer allowed to take loans from any of the standard lending firms, borrowers were often left with very few, often impractical and uncomfortable alternatives. During urgent financial situations, borrowers were only left to choose between securing loans from lenders operating illegally, selling their properties, or asking for money from their friends and family. And since the latter option is not always plausible, many borrowers with bad credit were often driven to borrowing from lenders operating illegally.

why choose 15-minute loans

Although taking underground loans from illegal lenders often provided borrowers the short-term financial relief that they badly need, their long-term effects on the borrowers’ finances often left many in perpetuated financial crises. Because underground loans have extremely high interest rates, many borrowers struggled to keep up with their loan payments.

Getting 15-Minute Loans for Bad Credit

But with the continuously increasing number of borrowers with bad credit who fell into similar perpetuated financial crises, an entire new market made up of individuals with bad credit scores and poor payment histories was inevitably created. And as demands for better, more secure, and more affordable loan services have continued to surge in the then-newly created market, lending firms and institutions have decided to come up with innovative new loan solutions. Through innovative loan services such as 15-minute loans for bad credit, borrowers finally have easy access to more secure, much more flexible, and far more affordable financial services even despite their history of bad credit. With 15-minute loans for bad credit, borrowers now have far more convenient alternatives especially in ties of urgent financial crises.

Unlike application procedures for many of the loan services that are typically being offered by traditional lending institutions, applications for innovative loan solutions such as 15-minute loans are far less complicated and much more convenient. By availing of 15-minute loans for bad credit, borrowers need not have to wait in long lines for long hours just to submit their applications, nor do they have to wait any longer for their loan applications’ approval as well as release of approved loans’ funds.

How to Get 15-Minute Loans and Instant Loans for Bad Credit

Through innovative new loan services such as 15-minute loans and instant loans for bad credit, not only do borrowers have far better and more affordable loan alternatives, they finally also have access to much faster and more convenient loan solutions. And since applications for 15-minute loans and instant loans for bad credit may now be accomplished completely online, borrowers now have the convenience of being able to submit their applications straight out of the comfort of their own homes. With 15-minute loans and instant loans for bad credit, borrowers may now submit their applications from anywhere, and at anytime.

Because applications for 15-minute loans and instant loans for bad credit can be accomplished entirely over the internet, borrowers may now expect for their applications to be processed as soon as they are submitted — while approvals for these loans may now be expected in even as little as just mere minutes after the borrowers’ loan applications have been submitted. The release of funds for approved 15 minutes loans and instant loans, on the other hand, may now be completed even on the same day that the applications were submitted.

Due to these convenient features of 15-minute loans and instant loans for bad credit, these loan solutions make the best financial alternatives in times of urgent financial crises. But because of the fact that 15-minute loans and instant loans are actually only small loans that are to be paid over shorter payment terms, they do not make good financial solutions in more complicated financial situations. In situations such as these, borrowers are better off procuring secured loans, which are loans that can be paid over much longer payment terms.

Getting 15-Minute Loans from Direct Lenders

Due to a common misbelief among many borrowers, many miss out on the benefits brought about by loan brokers’ services. Because of the fact that in securing loans from the lenders directly, borrowers need not have to pay for loan brokers’ fees, many borrowers are led to believe that they actually save more money by not having to pay for loan brokers’ services. What they often seem to overlook, however, is that because loan brokers have extensive connections to numerous different lenders, it only follows that they also have extensive access to all the different promotions being offered by these lenders. Because of this, borrowers who opt to procure loans through loan brokers’ services actually have much more savings and enjoy far more benefits in the long term.

why choose 15-minute loans



15 Minute Loan FAQs

Is it really possible to get the cash I need in 15 minutes?

Yes, it is possible. In fact, most of the lenders we work with will be able to ensure that you obtain the funds you need in a few minutes at the most after approving your application.

Can I borrow a small amount of money to get me through to payday?

Absolutely! We understand that not everyone will be comfortable with borrowing a larger sum of money. As a result, many of our lenders will be willing to assist you with amounts of money that are as little as £50 to £100 at a time.

Which parties will my personal information be shared with?

When filling in the loan application form on our website, your information will only be shared with the lenders who will be able to assist you with funds. We also ensure that your personal information remains safe and is never sold, rented out or shared with any other unauthorised entities.

Will I have to fill in a lot of paperwork when applying for loans UK 15 minutes?

No. We have a simple application form on our website that will take you less than 60 seconds to complete if you have all of the required information on hand. It’s essential that you be 100% truthful when providing this information on our site, as it allows our lenders to provide you with a tailor-made loan solution that will best suit your financial situation.

Will I have to visit a physical location to finalise my loan application.

Not at all! The entire application process for loans UK 15 minutes will be managed online, which will save a lot of time and effort. It will also enable you to obtain your funds far quicker than if you had to complete physical application forms.

What will I be allowed to use my loan funds for?

After receiving your loans UK 15 minute funds, you have the freedom to choose what you would like to do with them. You can restock your pantry, purchase new school uniforms, pay for emergency car repairs or even get that dodgy heating system in your home repaired. There is no limit to what you are allowed to use your loan funds for. However, it is crucial to ensure that you make all required instalment payments on time or even early, as this will help prevent additional interest from being added to your loan.


  • We promise to do our absolute best to find you a plan that fits your particular circumstances.
  • We will do our utmost to make sure that you fully understand every step of the process and especially the payment plan.
  • We will not charge you for our service and we will never add any hidden charges to the plan.
  • We will always help you if you should need it, all you need to do is use our Contact Us Form if any issue should arise.
  • We only use reputable UK lenders that are, to the best of our knowledge, entirely trustworthy.
  • We will not accept applicants that we do not believe are entirely capable of repaying the amount borrowed.
  • We will never give out a loan to someone we feel will be unable to meet the requirements given by the lenders.
  • We are a broker, not a lender, and we will act as such in all circumstances.

Apply Today to Win!

If you apply for a loan with us between now and the end of summer then you will automatically be entered to win a brand new iPad Pro.
Multiple applications will result in multiple chances.

Competition ends 31st August, hurry and enter now.

Winner will be announced 3 working days after competition end.

3 most recent personal loan reviews

Review of HSBC

I can honestly say that my dealings with HSBC Loans has been easy, quick and efficient. The staff are always polite and courteous and if any problems arise with our account they deal with it very quickly.

Review posted by Mr Baskerville, Southport

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

Review of Payday UK

A very easy process from start to finish, nice and polite team members that talk you through in terms that you can understand and added to that a super quick payout. Will definitely recommend to everyone. Thank you

Review posted by Neil Pattrick, Dunloy

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

Review of We Find Any Loan

Honesty, realistic and genuine. I can't say anymore than that. I had problems with credit in my past that were cleared but unfortunately my credit score was very poor but thankfully wefindanyloan gave me a chance to rebuild that. Thanks again for your support.

Review posted by Peter Watson, Abriachan

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

All Reviews have been acquired from uk.trustpilot.com to guarantee authenticity.

LOANLINGO IS A CREDIT BROKER AND NOT A LENDER. We pass your information to a lender once you have been accepted for a plan. We take a fee from the lender only, once you’re approved and we do not add charges to your plan in doing so.
YOU MUST MAKE ALL AGREED PAYMENTS TO AVOID LEGAL ACTION. If for any reason you will be unable to pay the agreed instalment then contact us immediately. Do not ignore the issue as a default payment will not solve itself.
NEVER BORROW MORE THAN YOU CAN AFFORD. Defaulting on payments can lead to serious and life changing financial issues. Make sure you only accept an agreement that is within your ability to repay.
LoanLingo.co.uk is a registered trading style of Serpable Ltd, which is an Introducer Appointed Representative of Quint Group Limited and is entered on the financial services register under the reference number 780328. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Serpable Ltd is registered in England and Wales (Company number: 10699069), Registered Office, 17 Collingbourne Avenue, Bournemouth, Dorset. BH6 5QR.