Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk



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*Borrow up to £995

*Rates from 278% to 1576%

*3-12 month repayment



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*From £1,000 to £25,000

*Rates from 4.7% to 278%

*3-36 month repayment

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Why You Should Compare 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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Desperate Payday Loans in the UK: Finding the Best Loan Options for Borrowers with Bad Credit

Because of the incessantly increasing demands for loans and other loan services, as well as the succeeding increase in the number of borrowers in the lending market, the number of unpaid debts has also steadily increased. In an attempt to contain what seemed to be a then-steadily escalating situation, traditional lending institutions such as banks and other lending firms have decided to take measures that were aimed not only at significantly decreasing the number of unpaid debts, but also to easily segregate borrowers according to their respective financial capabilities. Through a credit scoring system that they had in place, borrowers whom the lending firms believed to be likely capable of paying off their debts without any problems were easily segregated from the borrowers whom the lending firms believe were likely incapable of paying of their loans. With this credit scoring system, individuals with income levels that fall below what the lending firms have decided as the minimum were consequently given poor credit scores, while borrowers who either frequently or repeatedly missed out on their payments had their records automatically indicate their bad payment histories. Under this credit scoring system, borrowers with poor credit scores and bad payment histories were automatically disqualified from securing any more loans from any of the legitimate lending firms. And although this system proved to be completely helpful to the lending firms, its effects were extremely detrimental and disadvantageous to the borrowers. Since borrowers with poor credit scores and bad payment histories were no longer allowed to procure loans from any of the standard lending firms, many of them were often left to choose with very few, equally unpleasant and impractical alternatives. Among these options were borrowing money from members of their families or some of their friends, or taking underground loans from lenders operating illegally. Because borrowing or asking for money from friends and family isn’t always easy, borrowers mostly left to resort to securing underground loans from illegally operating lenders. Through this latter option, borrowers do receive the temporary financial relief that they desperately need, but the long-term effects of these loan options often leave borrowers in even worse financial situations. Because of the excessively high interest rates that are inherent to underground loan services, many borrowers with bad credit often find themselves in perpetuated financial crises.

why get desperate loans

Getting Desperate Loans for Bad Credit

Due to the fact that many borrowers with bad credit often resorted to taking loans from illegally lending firms, more and more borrowers with poor credit scores and bad payment histories later on fell into the same perpetuated financial crises. But as more and more borrowers with bad credit found themselves in the same perpetuated financial predicaments, an entire new market comprised of the same borrowers was eventually created. And with the incessantly increasing demands for better, much more secure, and more affordable loan services for borrowers with poor credit scores, lending firms later on introduced innovative new loan services in the market especially designed for borrowers with bad credit. Through innovative new loan solutions such as desperate loans for bad credit, borrowers finally have access to more flexible, and much safer financial solutions. With desperate loans for bad credit, borrowers can now enjoy much faster transactions and convenience — where waiting in long lines for long hours just  to submit loan applications is not at all necessitated. In getting desperate loans for bad credit, borrowers are ensured more affordable, much more flexible, and far more secure loan solutions, which they can rely on during desperate financial situations.

How to Get Desperate Loans and Instant Loans for Bad Credit

With desperate loans and instant loans for bad credit, applications are made much more simpler and so much faster. Unlike the application procedures commonly involved in many of the conventional loans from traditional lending institutions, applications for desperate loans and instant loans do not necessitate impossibly hard to obtain requirements. Through applications for desperate loans and instant loans, borrowers now have the convenience of being able to submit their applications right straight from the comfort of their very own homes. And because applications for desperate loans can be completed entirely online, borrowers can simply submit their application forms and requirements from anywhere, at anytime. Through desperate loans and instant loans for bad credit borrowers can now expect for their loan applications to be processed as soon as they are submitted. Approvals for these applications, meanwhile, can now be expected in as little as minutes after the applications have been submitted. Consequently, borrowers may now expect for the release of their approved loans’ funds even within the same day that their applications were submitted.

Because of these useful features of desperate loans and instant loans for bad credit, they make great resolutions in times of urgent financial situations that call for immediate action. But since desperate loans and small loans are mainly small loans that borrowers can pay over in short term payment conditions, these loan options do not make great choices in financial situation that are far more complicated. In such situations, borrowers are always better off procuring secured loans, which they can easily pay over in much longer payment terms.

Getting Desperate Loans from Direct Lenders

For many borrowers, the common misbelief is that securing loans from the lenders directly saves them more money because it doesn’t necessitate having to pay for loan brokers’ fees. But while it’s true that borrowers do get to save a small amount of money by not having to pay these fees, there are far more benefits that borrowers can only get from loan brokers’ services. Because loan brokers have extensive connections to lenders in different areas, they consequently have comprehensive access to all the many different discounts and deals that are being offered by these lenders across their services. Due to this, borrowers procuring loans with the assistance of loan brokers actually enjoy much mores savings and far more privileges in the long term.

why choose desperate loans






  • 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.