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Alternatives to payday loans from LittleLoans

Are you searching for quick payday loans? Did you know that here at LittleLoans, we can offer you a flexible alternative to payday loans?

What are payday loans?

Payday loans are designed to offer borrowers quick access to relatively small amounts of cash, to tide them over until their next payday. In some cases, this could be just £50 or £100, although some people borrow larger amounts. In most cases the repayment date will be set for the borrowers next payday, with high APR’s often exceeding 1000%.

Many borrowers turn to payday loans because they have poor credit and are not sure whether they are eligible for alternative loans. However, here at LittleLoans we are one of the leading brokers of quick, short-term loans. We have partnered with a variety of lenders which are able to offer loans to people in every situation, so we could offer you an alternative to payday loans.

How are our loans different?

Our loans are designed to accommodate every person’s financial situation and it is possible to borrow from £100 to a maximum of £5000. Instead of repaying payday loans on your next payday, it is possible to arrange repayment terms of 3 months up to a maximum of 36 months. Although, if you choose to borrow more than £1000, the minimum repayment term will be 12 months.

Am I eligible for a loan?

Before you complete your payday loans application, our 60 second eligibility checker will provide you with an instant eligibility result. By answering just a few simple questions, we can assess eligibility and give you an indication of whether you are likely to accepted for a loan.

In general, if you are a UK resident, aged over 18, with a regular salary, you are likely to meet our lenders eligibility criteria. You will also need to hold a UK bank account with a valid debit card.

If your eligibility check shows that you may not be eligible for a loan, we may still be able to help. Before you turn to payday loans, we may be able to approve your application for a guarantor loan.

How do I apply for a loan?

In a similar way to payday loans, the application is completed entirely online and takes just 2 minutes to complete. Once we understand your situation, we will compare loans from our lenders so that you are offered the best rates and the best chance of being accepted.

You will receive the loan quote, which is the best match to your requirements, although you are under no obligation to proceed. If you decide to proceed, the lender will complete their final checks. The lenders will all conduct a credit check, which will be carried out when your loan is sent across for its final checks.

If you are experiencing financial difficulties, we recommend that you speak to an impartial organisation before applying for a loan. For example, Step Change and The Money Advice Service, can both offer free financial advice.

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Representative Example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. We’re a fully regulated and authorised credit broker and not a lender