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

Unsecured Loans

  • Loans from £50 – £25,000
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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.

How to get the best online loans in the UK

Are you looking to take out a loan but are not considering your bank as a primary option? It’s quite understandable as you will have to undergo a long, hectic, and stringent process to get a loan from a bank. It’s certainly is a lot quicker and easier to borrow money online from numerous reputable lenders in the UK. What’s more, there is an abundance of online loans that can cater your need for funding even if you don’t possess that stellar credit rating that banks and other traditional lenders are looking for from their borrowers.

But just like any other type of product or service, you want to enjoy the best available deal possible. When it comes to online loans, getting the best deal would mean enjoying the most affordable rates with instant processing.

Applying for the best online loans

When you apply for the best online loans, all you need to do is to fill out an application form in the lender’s website and you will receive an instant response on whether your financing request is accepted or not in a matter of minutes. And depending on the online loan that you apply for, you could get the loan proceeds an hour after approval or in the same day. When it comes to short-term online loans you can expect the money to be deposited into your bank account within 24-48 hours. If they are larger loans with longer payment terms like personal loans and home loans, it may take several days for your transaction to be completed. Overall however, expect the application process and fund transfers to be significantly faster and easier than bank loans when it comes to online loans.

why choose online loans

Workout what you need

So it would be easier for you to pinpoint the best online loans available, it might be best to determine what you need first:

  • The amount of funding that you need – The most important thing to bear in mind always when you are searching for the best online loans is to borrow only what you need. This will help you avoid taking out unnecessary debt and will also lessen the overall cost of your loan deal.


  • The ideal loan term – Are you looking for the best online loans that you can pay back for a year or more than seven years? Or perhaps you’re looking for shorter payment terms like a month or several months. It’s worth pointing out however, that a shorter term will be a lot less costly in the end. However, they will demand bigger payments as opposed to spreading it for a longer period of time.


Find the best deals online

After you have worked out what you need, the next step would be to shop around and look for the online loans that provide the best deals. So you can make your search more accurate and efficient, try to consider these key features:

  • Interest Rates – You want to find online loans that provide the most affordable interest rates possible. This can be extremely crucial if you are looking to borrow large amounts of credit for a long period of time as a single percent can mean a lot once you begin paying off your loan.


  • Minimal to no Fees and Charges – Aside from the interest rates, you might also want to keep an eye on online loans that have minimal to no fees and charges. A loan deal that has plenty of extra fees and charges can be very expensive even if it has a competitively low interest rate.


  • Tailored Payment Terms – Finally, look for online loans with payment terms that are tailored to your personal needs and circumstances. This will make it easier for you to keep up with the repayments on time.

Majority of lenders providing online loans will let you know firsthand what the interest rates are for their financial products and how much a particular loan deal will cost you overall prior to your submission of an application.

What is the ideal option for you and your needs?

There is a variety of online loans in the UK and it would be difficult to determine which one is ideal to your needs and current situation if you don’t know what available options are. Each option also has its own set of eligibility requirements that you need to meet to become approved. Some of the popular online loans in the country include:

  1. Short-term online loans – The financial products are one of the most widely used online credit products in the UK. The borrowing amounts are small, from 50 pounds to as much as a thousand or two thousand pounds. The payment terms are also short and will generally be no longer than a year. There are short-term online loans that allow instalment payments and there are those that will require you to make a single lump sum payment like payday loans.


  1. Personal Online Loans – The loans are just like unsecured bank loans in a way that credit rating is an important factor in getting qualified. Generally, the better your credit rating the bigger the amount you can borrow and the longer the duration in which you can pay it back. A high credit score will also land you the lowest interest rate available.


  1. Secured Online Loans – The online loans are secured on an asset like your property or vehicle which makes it very risky in your part. This is because when you default from your loan, the lender can seize your asset as a form of payment for the money that you still owe them. The reward you will enjoy for such a risk however is an interest rate that is lower than any online loan option and access to large borrowing amounts for very long payment terms.


  1. Bad Credit Online Loans – As its name suggests, the online loans are designed for those people who poor credit histories. So if you have been rejected from other types of loans because of a problematic credit history, you can rely on bad credit online loans to give you the extra funding that you are looking for. The interest rates for the loans however, are higher than most other options and this is something that you might want to consider before you apply for them.


why choose online loans

Competitive Examples From Other Companies

Loan amount
Loan term
1-5 years
Very flexible
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Loan amount
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