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

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loan that you need...

...Whether you want to be matched
to a
small short term loan...

...Or you want to be matched to a bigger loan, over a big period of time...

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£100 to £2000 loan

Borrowing amount?

Over how many months?

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed). The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable).

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Representative Example:Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed). The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable).

Representative 277.5% APR

Please note: we are not a lender - we are a broker working with the top market lenders to find you a short term loan. Within our free loan finder we compare more than 40 lenders, meaning that with one quick, simple application you reach numerous lenders and find the best loan rate possible, requiring only one credit check.

We work with multiple lenders, this means you could get a higher chance of being approved with just one application! Some of our UK Lenders in our network you can see below!

If for any reason you choose to cancel your loan please refer to the loan agreement sent to you by your lender, cooling off periods and lender cancellation policies may vary.

There are many reasons why an individual might need a loan


Emergency house or car repair

Same day

Arrange payment with your lender

Pay off

Pay off unexpected bills

quick and simple

Simple application progress

Avoid reliance

Avoid relying on other people for financial help

3 steps

Just 3 steps to a lender match
*some lenders processes may differ

Top Lender Comparisons

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Collection Practices

Once you have received your payday or instalment loan amount, if for any reason you think you will be unable to meet any arranged repayments, or if you think there will be any difficulty repaying any part of your loan, then you must contact the provider of your loan directly as soon as you become aware.

Contacting your lender will provide you with the best opportunity to perhaps reschedule your loan repayments or discuss further options in more detail to avoid adverse action. Changing repayments of your loan amount could incur further charges or interest, the details of which can only be discussed directly with the lender of your payday or instalment loan. If no attempt is made to contact your lender and update them on any circumstantial changes or make the lender aware of any difficulty in paying back what you owe; they reserve the right to pass on your details to third party debt collections agencies or organisations that will attempt to recover the debt.

Lenders usually reserve the right to utilise the Continuous Payment Authority to continue to attempt to take payment from your card up to 90 days past your due date. This is only done if it is in line with the terms of your agreement. Please check your own Terms and Conditions on your signed loan agreement for details.

Non Payment Implications

The implications of non-payment of your loan could include adverse details being included within your credit report. This could adversely affect future attempts at securing credit or finance, in addition to further charges potentially being added by the lender. Where you miss a payment entirely, you will often incur a charge/fee that will be added on to the total amount that you owe. Upon a missed payment, lenders will often try to contact you by telephone or letter in order to recover the funds and they may be able to arrange a new re-payment date with you. If you are struggling, or think there is a possibility that you will not be able to meet repayments, Loan Nerds strongly recommends that you contact the lender in the first instance.

Important things to remember:

- Don't borrow money if you know you will struggle to pay it back
- Don't ignore the situation, contact your lender as your first port of call

Please be aware that if do not repay your loan at the agreed date between yourself and your lender, this will result in your lender reporting your case to the Credit Reference Agencies; which may have a negative effect on your credit score. This may negatively impact your ability to obtain credit in the future for services such as car finance, mobile phone contracts or satellite TV subscriptions. If you default, you may be charged a collection fee (which varies from one lender to another), plus interest on the balance outstanding at the interest rate payable under the agreement. You must pay your lender any reasonable expenses and costs that may be incurred in taking steps to enforce (for example, via County Court Judgments), or attempt to enforce, the lenders rights against you under your agreement.

Payday and instalment loan renewal policy

Your lender may be willing to renew your loan. If you wish to do this you should contact them as soon as you know. Our lenders generally charge the same or better rates for loans if you have successfully repaid a loan to them in the past. Remember our lenders have to check that you can afford any loan. Any decision you make regarding the renewal of a loan should be made with full consideration of all the costs and your situation at that time.

Late or non-payment could lead to further interest and/or charges being added to your account.