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

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Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% pa (variable)
We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender. moneybolt Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd. for the purposes of obtaining a loan. LoanLoad does not provide any loan or consumer credit products directly.

Unsecured Loans

Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Loans subject to status. Over 18s only. Minimum loan amount may apply.
Rates from 4.5% APRC to 65.2% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years. TYPICAL 10.9% APRC variable

Why people choose us

Low Representative APR

APR takes into account the amount of interest that will be charged to you for borrowing a certain amount of money.

Fair, Fixed Interest Rates

We won’t try and fool you by luring you in on a low-interest rate only for it to change later.

Potential to Payoff Your Loan Early

Some lenders and brokers arrange loans with flexibility at the centre of what they do.

We can Arrange Loans up to £25,000

Apply today and the loan you are looking for could be arranged by our lenders or brokers within a few minutes.

15 Minutes Loans Direct Lenders

Searching for quick loans that can help you deal with an emergency situation? If you are, then 15 minutes loans direct lenders are options that you can seriously consider. And because they are offered in different amounts, you can obtain the kind of funding that perfectly suits your needs and present circumstances best.

Securing an instant loan, whether big or small, doesn’t have to be a stressful ordeal. With a direct lender, you will be guided every step of the way, from start to finish, so you will be on top of every important detail regarding your loan.

What are 15 minutes loans from direct lenders?

15 minutes loans direct lenders provide instant cash infusion to any qualified borrower in the UK. The loans come in a variety of forms from payday loans to same day cash loans.

They are also the perfect financial instruments in dealing with emergency situations when cash is tight and unforeseen expenses like medical bills suddenly pop up. And as its name suggests, you can have the loan ready for use in less than 15 minutes after you have met the basic eligibility requirements and your request has been granted. Simply put, you don’t have to wait for the next day for your loan to be deposited into your bank account allowing you to cover any unforeseen bill or payment without much worry.

why choose 15 minutes loans

How 15 minutes loans direct lenders work

A direct lender will verify your monthly earnings and bank account details and transfer the money for as little as 15 minutes without much delay.

If it’s 15 minutes loans transacted online, the lender will require you to issue a check or provide the authorization to withdraw the payment from your account. Normally, you will have to pay back the loan plus interest rates in your next payday although there are plenty of lenders who are willing to offer longer repayment periods with instalment payments to cater other borrowers given how competitive the loan industry has become.

When the payday loan is completed at a lender’s physical branch, you will be given a fixed schedule to deliver the payment at the store with a reminder call a couple of days in advance. If it’s hard for you to complete the process for whatever reason, the lender can simply withdraw the payment from your account or use the check that you issued.

Credit rating is not an important factor in 15 Minute Loans

When you apply for 15 minutes loans direct lenders, the lending company will normally conduct a quick check on your profile to determine if you are credit worthy. However, your credit rating won’t be much of a factor for the type of financial product which means that you can still get approved even if you have bad credit. Income and other factors that will determine your overall affordability and financial capacity to manage debt are often the primary factors.

But there is no such thing as a complete guarantee and you can still get rejected due to these common reasons:

  • Your income does not satisfy the lender’s criteria. There are lenders who accept borrowers with small monthly earnings for £500 but there are also those that will ask for a significantly bigger income.
  • You do not satisfy the required debt-to-income ratio. Lenders will look at how much debt you will owe – existing debts plus the loan you are applying for – and compare it to your income. If they see that taking on further debt will be too much of a burden to you financially, your loan request could be rejected.
  • You are still paying off an existing 15 minutes loan from another lender
  • You have just bank bankrupt
  • You issued bounced checks just recently
  • You do not meet the lender’s employment requirements
  • Your bank records are not sufficient
Choosing the best 15 minutes loans direct lenders

No two direct lenders have 100% identical loan offers and services so be sure to shop around and compare as much options as you can so you will find the best deal that is perfectly suited to your needs and present circumstances.

If you want a fast and accessible loan that is easy to qualify for instance, then conventional banks loans may not be the ideal solution as it can take a lot of days for your application to be processed. The best option would be 15 minutes loans from direct lenders online as they can complete your application in a single day and have your money ready for use shortly after you are approved.

Also, if you intend to take huge amounts of credit that you can pay back in years, make sure that the payment terms and conditions that you applied for can easily satisfy your needs and present circumstances. Bear in mind that 15 minutes loans can be quite costly if you choose a payment term that is too long.

Every type of 15 minutes loans also has its own unique set of advantages and disadvantages. Not all 15 minutes loans from direct lenders follow the same format although they may appear identical. There are those that offer flexible payment terms but there are also others that have extremely fixed terms. Going through these important aspects will allow you to make the best decision for your financial needs.

Paying off 15 minutes loans from direct lenders

15 minutes loans direct lenders are normally free of hidden fees and charges which simply means that you will only be covering a payment that reflects that actual amount that you borrowed plus its interest rate. The lender will often provide you with a sound repayment term that will help you accomplish your payment duties with ease.

If you manage to apply for a loan agreement that offers flexible payment terms, you will have the freedom to pay off your loan in advance free of charge, allowing you to save a lot of money on future interest rate payments. This is something that you might want to consider when you’re surfing the web for the ideal 15 minutes loans from a direct lender.

why get 15 minutes loans


Competitive Examples From Other Companies

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1-5 years
Very flexible
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Loan term
1-10 years
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Get matched with a qualified lender today!

You will need to be over 18 and a UK resident with a valid UK address. You must also have a monthly income (from benefits or a job) and a UK bank account.

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

3 most recent personal loan reviews

Review of Avant

The online application is fast and efficient! I was hesitant about "linking in" to my online bank account......However this made the whole application process far quicker! I can honestly recommend Avant - especially if you are worried about being judged on any previous credit history problems......Avant didn't do that! Just a thorough and fair service with good APR.

Review posted by Trevor Donahue, Derry

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Lending Works

Seamless and fluent from application to funds available. Outstanding rate, not match-able anywhere! I can't recommend any higher! Thank you, greatly appreciated and very happy customer.

Review posted by Mark Phillips, Portchester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Zopa

I do have to say one of the best loan sites i have come across, they make everything so easy, with not very good credit history i did't think i had a chance but they accepted me and i can get my life back on track. Thank you again amigo loans.

Review posted by Wayne Crouch, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All Reviews have been acquired from https://uk.trustpilot.com/ to guarantee authenticity.


MONEYBOLT IS A CREDIT BROKER AND NOT A LENDER. We pass your information to a lender once you have been accepted for a plan. We take a fee from the lender only, once you’re approved and we do not add charges to your plan in doing so.

YOU MUST MAKE ALL AGREED PAYMENTS TO AVOID LEGAL ACTION. If for any reason you will be unable to pay the agreed instalment then contact us immediately. Do not ignore the issue as a default payment will not solve itself.

NEVER BORROW MORE THAN YOU CAN AFFORD. Defaulting on payments can lead to serious and life changing financial issues. Make sure you only accept an agreement that is within your ability to repay.

MoneyBolt.co.uk is a registered trading style of Serpable Ltd, which is an Introducer Appointed Representative of Quint Group Limited and is entered on the financial services register under the reference number 780328. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Serpable Ltd is registered in England and Wales (Company number: 10699069), Registered Office, 17 Collingbourne Avenue, Bournemouth, Dorset. BH6 5QR.

Scam Alert – Beware of impersonators, we will NEVER EVER ask for upfront payments, transfer fees or vouchers to guarantee a loan