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Everyday Loans

Little Loans is a credit broker, working with a panel of trusted lenders to match customers with a suitable loan. Once such lender that we’re delighted to work with is Everyday Loans.

Who are Everyday Loans?

Established in 2006, Everyday Loans is a UK-based personal loan provider with high street branches nationwide.

Everyday Loans’ website states that they are ‘committed to professional, responsible lending.’

Impressively, between 2020 and 2024, Everyday Loans scooped the prize for Non-Mainstream Loan Provider of the Year at the Moneyfacts Consumer Awards. They also took the top spot for Best Customer Service at the 2023 ceremony.

Are Everyday Loans regulated?

Everyday Loans are regulated and authorised by the Financial Conduct Authority (FCA). Their FCA registration number is 724445, and you can find them on the register by clicking here.

How much interest does Everyday Loans charge?

Everyday Loans advertise a Representative Annual Percentage Rate (APR) of 99.9%.

Representative APR means at least 51% of customers will receive this rate or lower.

Let’s say you borrowed £3,000 over a 24-month term, with a fixed interest rate of 71.3% per annum. You would repay £237.75 per month for 24 months. This includes interest.

Over the course of the term, you’d pay a total of £2,706 in interest. The total repayable amount would be £5,706.

What are people saying about Everyday Loans?

As of May 2024, Everyday Loans are rated excellent on Trustpilot, with over 6,800 reviews. Currently, 83% of these reviews are 5*.

How much money can I apply to borrow from Everyday Loans, and for how long?

With Everyday Loans, you can apply to borrow between £1,500 and £15,000, which can be repaid over 12 to 60 months.

Who can apply for a loan with Everyday Loans?

Everyday Loans state that to apply, you must:

Be over the age of 18;
Be a UK resident;
Have a bank account;

Can I apply to Everyday loans if I have bad credit?

Yes, you can. Everyday Loans specialise in loans for those with bad credit, and your application will still be considered even if you’ve been turned down to borrow credit in the past.

Do I have to be a homeowner to apply for a loan?

No, you don’t necessarily have to be a homeowner to apply to borrow money through Everyday Loans. Their website states that they’re happy to consider applications from people with a range of situations, from renting to living with parents.

The Everyday Loans process

Select the amount you need to borrow and the repayment term, then complete the online application form. Everyday Loans will run a soft credit search on your financial history, with no impact to your credit score.
Get a conditional decision in minutes.
Call into your local branch to complete the application and finalise your loan. If your application is accepted a hard credit search will be carried out.

Please note that hard searches will remain on your credit file for up to 12 months. Undergoing too many hard searches in a short space of time could negatively impact your credit score.

Where can I find my nearest Everyday Loans branch?

Everyday Loans started their lending journey in 2006 with just 6 branches. As of 2023, they have over 75 branches across the UK! You can find your local branch here.

I was approved for a loan with Everyday Loans but am now struggling to make my repayments. What can I do?

In this instance, you should contact Everyday Loans as soon as you’re able to. They will be able to discuss all available options and work with you to put a plan in place moving forwards.

Everyday Loans state the following on their website: “We are committed to acting in good faith. We aim to provide you with clear information and practical options to support you if you experience any difficulties.”

I was referred to Everyday Loans through Little Loans. Who do I contact if I have a question?

Little Loans is a credit broker, not a lender. If your query relates to the search you made on the Little Loans website, you can contact us here.

If your question is regarding the loan itself, you should get in touch with the lender directly. We’ve provided further information on this in the section below.

How can I get in touch with Everyday Loans?

Everyday Loans suggest that the best way to make contact with them is through your local branch, which you can locate here.

They also refer existing customers to their dedicated support page.

Check out our 4.8 star rating on Feefo

See more feefo reviews

Straight forward

“Easy pleasant service, quick decision and easy account management.”

Laurissa Marsden

Great experience

“Quick, efficent and super helpful. The whole process and painless! Would recommend”

Clare Bennett

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender

Some useful links

†By proceeding with the Free 10-day trial promotional period, you hereby consent to enrol as a member and grant continuous payment authority, authorising the automatic collection of repayments. Membership fees are due in advance and will be automatically debited at the conclusion of the trial period or upon renewal.

*Once approved, your cash could be sent within minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

_‡This is the number of people who have applied on Little Loans between October 2013 and July 2023 and were matched to a credit product.

Digitonomy Limited trading as Little Loans is not a lender but is a fully regulated and authorised credit broker which introduces borrowers and lenders, brokers and alternative consumer credit providers for the purposes of entering into short-term unsecured loan agreements.

Little Loans does not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website.

Little Loans will provide every effort to find you a loan. If we are not able to do this, we may transfer you directly to alternative firms and services which may incur a monthly fee, such as credit building tools, if you choose to use them.

Little Loans is a registered Trading Name of Digitonomy Limited, Registered in England and Wales (Company number 08385135), Registered Office; Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Digitonomy Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 690249. Licenced by the Information Commissioners Office, (registration number ZA007309)