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

Unsecured Loans

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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.

Steps in Applying for Emergency Payday Loans

Taking out emergency payday loans can be a difficult decision to make especially for first timers. Sometimes the need for a temporary financial lift is important. Therefore applying for an emergency payday loan lender is crucial, there is just no time to hesitate.

There are normally two ways in which you can avail for these short-term, unsecured emergency loans. They are via online and in-store, although we strongly recommend an online application. This is because for online applications all you need is an internet connection. You can use a computer, tablet or your mobile phone, whatever you like. Therefore an internet connection is very important. Once you have that your good to go. They are perfect for emergency situations as they are so fast. For in-store transactions, you will have to do the application physically in one of the lender’s registered branches near you. As a result, you will spend more time and money. But whether it is online or in-store, the process is the same and you will generally have to take these fundamental steps to get the money that you need for whatever emergency you may have.

Step 1: Going Through The Terms and Conditions

Before you start filling up an application form there are things that must be done. The first crucial step that you need to take is to look at the lender’s terms and conditions. Carefully go over them and determine whether it is the right credit for you. Bear in mind that what you are looking for is a temporary stop gap emergency loan that will help you deal with an unexpected financial difficulty and not something that will provide a long-term solution to your problem. Also, try asking your family and friends for financial assistance before even considering taking out a loan. Maybe they could lend you a hand in your time of need. But if you have already considered this option and have made up your mind in getting an emergency payday loan, then the next step would be to complete a loan application.

Step 2: Complete a Loan Application

When completing an application for an emergency payday loan, you are normally required to provide basic information first, such as your address, phone number, and date of birth. It is also important that you have an active mail account especially if you’re applying via online. After you have provided the basic stuff, you are then requested to supply vital information that will be used by the lender to validate your identity and come up with an approval decision. Such information would include your license, employment history, income level, and bank account details. After you have provided all this information, the lender will then conduct its own credit check and, in most instances, give you an eligibility decision.

Step 3: Credit Check Process

When applying for a traditional loan from a bank or from mainstream lenders, these financing companies will normally look into your credit rating to determine whether or not you are eligible for their services. If your credit score is evaluated as less-than-perfect, most of the time, you will be denied for a loan. For them, lending money to a borrower who does not have a perfect credit score is simply a risk that they are not willing to take.

Emergency payday loan companies, on the other hand, will still conduct credit checks to evaluate the creditworthiness of an applicant. However, they do not follow the same credit checks that banks and traditional lending institutions utilise in their evaluations. Payday loan lenders utilise an alternative credit check that will not look purely on your credit score to determine your creditworthiness but on other areas and parts of your financial history as well. Simply put, you will still be eligible for a payday loan even if you do not possess a perfect credit score.

Step 4: Eligibility Decision

Once all the requested information you have submitted has been verified and the lender has made a quick credit check, all you have to do is wait for an eligibility decision. Normally, you will receive three types of response which would look like these:
Declined – When you receive this response, it, unfortunately, means that you did not meet the different requirements that the lender is looking for in its loan applicants. Usually, you will receive an official statement from your lender explaining the reasons on why your application was denied in no less than a month after you have submitted your application.

More Information Needed – This response doesn’t mean that your application has been denied but is an indication that the lender will need more information from you before they make a decision. Additional documentations such as payslips may be requested from you along with a set of instructions on how you will relay the information requested.

Eligible – This is the kind of information that you are looking for when you want to take out an emergency payday loan. Once you are eligible, you will then proceed to the final stages of your loan application.

Step 5: Signing of Contract

After receiving an approval decision from your lender, you will now proceed to the final stage of your application which is the signing of the contract. This is a necessary step to make your emergency loan official. Before putting your signature, though, make sure that you have carefully reviewed all the essential details of your agreement such as the amount, interest charges, other fees, and repayment terms. If you like what you are seeing in your contract, you can them make the signature, physically or electronically if you’re applying online.

Once you have completed these 5 essential steps, all you have to do is wait for a message from your lender stating that the money you have availed for has been successfully deposited in your bank account. It’s that easy!

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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