Fast Loans – Bad Credit Accepted
Thanks to modern technology, many of us are used to accessing everything we need at the touch of a button. We’re able to do almost anything quickly online, from food shopping to ordering a replacement vacuum cleaner when ours suddenly packs in mid-clean.
But what if we don’t have the funds to pay for that new vacuum cleaner, or a similar financial emergency, such as urgent car repairs? In this instance, you might wonder whether you could apply for a fast loan online.
Need money fast? Stop and think.

Whether it’s funds to get the car back on the road, or cash to pay for an unplanned vet’s bill, at some point in our lives many of us have found ourselves in a financial tight spot.
We understand how worrying these situations can be, but it’s really important to consider all the options that may be available to you before you make a decision on what to do next.
Before you apply for credit, you should ask yourself if you have any savings that could be put towards the expense, or whether a family member or friend would be willing to help you out. A loved one might agree to lend you the money at a lower interest rate than a high-street lender, or with no interest at all.
Taking out a loan is a serious financial commitment
If not managed responsibly, a loan could damage your credit score, lead to additional fees and charges, and result in further stress.
When you take out a loan, you don’t just repay the sum you’ve borrowed, you also pay interest, which will be included in your monthly repayments. You should be absolutely certain that you’ll be able to make your monthly repayments in full and on time before you apply.
What is a fast loan?
A fast loan is a form of short-term borrowing which could be considered as a suitable option by people who need money quickly. When used responsibly, a fast loan could be a useful method to plug an unexpected hole in your monthly budget or help to meet an expense that caught you financially unprepared.
Is it possible to get a fast loan?
While it could be possible to get a loan, fast, it’s important to remember that there is no guaranteed timeframe, and every lender operates differently.
There is no way to speed up the process of applying for a loan, but there are things you can do to help make sure that the procedure runs as smoothly as possible. This includes entering your information on the form carefully and as accurately as possible, and sending the lender all required documentation, such as ID, proof of address, and bank statements, if needed.
I need money now - how much can I borrow with a fast loan?

Little Loans is a credit broker with access to a panel of over 30 trusted and responsible lenders.
With Little Loans, you can search for a fast loan between £100 and £10,000.
What are the repayment terms for a fast loan?
It’s possible for you to search for a fast loan with one of our lenders with repayment terms from 3 to 60 months. The repayment terms available to you will depend on the amount of money you wish to borrow.
How much does a fast loan cost?
The cost of a fast loan will depend on a number of things, including the interest rate you’re offered, how much money you borrow, and the repayment term you choose.
When searching for a loan, you should pay particular attention to the Annual Percentage Rate (APR). This reflects the overall cost of borrowing and includes interest and any standard fees.
Additional fees, such as late or early repayment fees, are not included in the APR, and if applicable, will be charged as extra.
How quick is the application for a fast loan?

As a credit broker, Little Loans could save you time when searching for a suitable fast loan.
When you need money quick, the last thing you’ll want to do is make multiple applications with numerous lenders in a bid to find the right loan for you and your personal financial situation. Not only will this take up valuable time, but it could also harm your credit score, too. Every time you apply for a loan directly with a lender, they’ll run a creditworthiness assessment, which will include either a hard search or Open Banking. Multiple hard searches within a short period of time will cause your credit score to decline.
This is where a credit broker, such as Little Loans, could help to speed up the process and protect your credit score. The Little Loans form can be completed entirely online and should take no longer than five minutes to fill out. Once you’ve submitted your form, we’ll use the information provided to run a soft search on your financial history and scan our panel of lenders for a loan. This stage takes just 60 seconds. A soft search will only be visible on your credit file to you and will not impact your score.
If we’ve been able to find you a loan, you’ll be able to decide whether you’d like to make a full application directly with the lender. Should you choose to go ahead, the lender will complete a creditworthiness assessment, which, as mentioned, will include a hard search or Open Banking.
Can I search for a fast loan with Little Loans?
You can search for a fast loan using the Little Loans credit broking service 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.
Can I get a fast loan with no credit check?
If you’re worried about your credit score, you might be tempted to search for a ‘no credit check fast loan’.
Please be aware that it’s not possible to get any type of loan without a creditworthiness assessment in the UK. Any company advertising ‘no credit check’ or ‘guaranteed’ loans should be avoided, as they are unlikely to be operating in line with Financial Conduct Authority (FCA) regulations.
Is it possible to get a fast loan with bad credit?
It could be possible to get a fast loan with bad credit.
Little Loans is proud to work with a number of lenders who specialise in loans for people with poor credit history, although applying for a bad credit loan is not a decision that should be taken lightly. It's imperative to be aware of the negative impact that a loan could have on your credit score if not managed effectively.
In addition to this, a bad credit loan could come with a higher rate of interest, and you might not be approved to borrow as much money as you need.
Do I need a guarantor to get a fast loan?
You don’t need a guarantor to apply for a fast loan with Little Loans; we don’t currently work with any lenders of guarantor loans.
As we mentioned above, several of the lenders on our panel specialise in lending money to people with less than perfect credit history without the need for a guarantor.
Is a payday loan a fast loan?
Again, you should bear in mind that no loans are guaranteed to be fast.
A payday loan is a type of short-term borrowing which must usually be repaid in full within a month.
Short terms, such as those offered by the lenders on the Little Loans panel, provide borrowers with an extended period of time to repay the money.
I’ve been approved for a loan; will I get the money fast?
If your loan application is approved, certain lenders, including several of those on the Little Loans panel, could send your money the same day. Please bear in mind that this doesn’t necessarily mean that the funds will be available in your account the same day; this will depend on your bank’s policies and procedures.
Little Loans, big possibilities…
Here at Little loans, we believe in fair, responsible lending and we, and all the reputable, trustworthy lenders we work with, are authorised and regulated by the FCA.
We’re proud to put customer satisfaction and great service at the heart of everything we do, which is reflected in our Feefo reviews where we’re rated ‘excellent’.
If you have any questions about your loan search, you’re welcome to contact our friendly team from Monday to Friday, between the hours of 9am and 5pm (excluding bank holidays).
What happens if I can’t repay my loan?
Before applying, you should always consider whether borrowing is the right option for you. To discuss your financial situation with a free and impartial advisor, you can contact one of the following organisations: StepChange, MoneyHelper, Citizens Advice, and National Debtline.
If you’ve taken out a loan that you can no longer afford to repay, you should contact your lender. This can feel like a really daunting step to take, but please know that your lender will listen to your situation with empathy and help you put a plan in place moving forwards.
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