£300 Loans

Looking for a £300 loan in the UK? Little Loans is a credit broker, and we work with a large panel of direct lenders.
Using Little Loans’ credit broking service, you could search for a £300 loan with a choice of repayment terms.

How long could I borrow £300 for? Repayment terms for a £300 loan

With Little Loans, you could search for a £300 loan with a repayment term of either 3, 6, or 12 months.

Need more money? Little Loans could help you search for a short-term personal loan between £100 and £10,000. Depending on the amount of money you apply to borrow, you could repay your loan over a term from 3 to 60 months.

You should never apply to borrow more money than you need to or can afford to repay.

£300 loan low interest

How much will a £300 loan cost?
The overall cost of a £300 loan will vary depending on the repayment term you choose and the interest rate you’re offered.
A low-interest £300 loan cannot be guaranteed. The interest rate you could be offered will be based on several factors, including your credit history and current financial situation.

£300 loan UK: search for a £300 loan with Little Loans

You can search for a £300 loan with Little Loans if you:

• Are over the age of 18;
• Are a UK resident;
• Have a UK bank account with a valid debit card; and
• Have a regular source of income paid into your bank account.

£300 loans no credit check

You cannot get a loan without a credit check. The Financial Conduct Authority (FCA) requires all authorised and regulated lenders in the UK to complete a creditworthiness assessment on anybody who makes a credit application.
Little Loans only works with lenders authorised and regulated by the FCA.

If you have bad credit, it’s understandable that you may be worried about searching for a £300 loan. It’s important to remember that a history of bad credit doesn’t automatically mean that your application will be turned down.

£300 loan for bad credit UK: could I get a £300 loan with bad credit?

There are several direct lenders on the Little Loans panel that specialise in £300 loans for people with bad credit. If you apply for a bad credit £300 loan, please be aware that you could be offered a higher rate of interest.

£300 loan for benefits

You could be eligible to apply for a £300 loan for people on benefits, although this will depend on the lender you apply with and the type of benefit(s) you receive.
You can find out more about loans for people on benefits in our guide.

If you claim Universal Credit and need money to cover the cost of a necessary one-off expense, you could be eligible for a Budgeting Advance. The smallest amount of money you can apply for is £100. The amount of money you could get will depend on your circumstances.

Correct as of April 7, 2026.

You can find out more about a Budgeting Advance and check your eligibility on the Gov.uk website.

Borrow £300: how does it work?

Searching for a £300 loan with Little Loans is straightforward, and our online form takes just five minutes to complete. Here’s what you can expect from the journey.

1. Select £300 as your loan amount and choose a repayment term. Fill out our online form.


2. In just 60 seconds, we’ll run a soft search with no impact to your credit score and scan our panel of lenders for a suitable loan.*


3. If you’re matched with a loan, you’ll be redirected to the lender’s website. If you’d like to go ahead and make a full application, the lender will carry out a creditworthiness assessment.


4. If the lender is happy with the outcome of the creditworthiness assessment, you will be offered the loan.

I need £300 now: how quickly could I get £300?

Important note on urgent £300 loan: being short of money can feel daunting, but it’s important to think very carefully before you make a credit application. You’ll need to be certain that you can afford to make your repayments in full and on time each month.

If you urgently need £300 to cover an emergency expense, you may be wondering how quickly the money could be sent to your account if your application is approved.
Some of the lenders on the Little Loans panel could send your money the same day your application is approved, although please be aware that the time it takes for the money to appear in your account will depend on your bank’s policies and procedures.

£300 loans: I can’t afford my loan - what should I do?

If you’ve taken out a loan that you can’t afford to repay, you should contact your lender as soon as you can. They will discuss any options that may be available to help ease some of the financial pressure you’re facing.

Get free financial advice

You can get free, confidential advice from a number of UK organisations, including StepChange, MoneyHelper, Citizens Advice and National Debtline.

*If you’re matched with a loan and choose to make a full application with the lender, they will carry out a creditworthiness assessment, which will include a hard search or an Open Banking check. Please note that a hard search will remain on your credit file for up to 12 months, and multiple hard searches in a short period of time could harm your credit score.