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.

Essential Facts about Online Payday Loan Lenders

With online payday loan lenders, you can borrow money fast in the convenience of your personal computer or mobile phone. This is anytime, anywhere, as long as there is internet access. You don’t want to go to a bank and apply for a loan. Especially when all you need is a few hundred pounds for car repairs. When the need for money is urgent, you can’t rely on getting a salary advance. This is because it just takes too long for them to get approved. Where all you need is a small amount of money to make a temporary expense. In such circumstances, online payday loans are one of the options worth considering.

Online Payday Loan Lenders

Online payday loan lenders offer short-term loans that are normally paid back in full in your next salary. For this reason, they are not typically offered to those who are unemployed. If you currently don’t have a job and an emergency situation demands additional funds,  it’s not hopeless. Other alternatives like credit card advances and guarantor loans are worth exploring.

Online payday lenders will assess a loan application based primarily on the borrower’s income capabilities. This is the ability to repay the full amount and the interest rates in the agreed period of time. The applicant’s income, address, age, credit history and a few other factors, will be scrutinised and carefully weighed in. This allows them to mak a decision on whether or not they are worthy to be granted credit. And because the loan is unsecured (there is no collateral involved) there is no insurance whatsoever in the part of the lender. To compensate for this level of risk, the lender will charge these loans with a very high-interest rate.

Applying for online payday loans from reputable loan lenders

The good thing about these loans is that they are relatively easy to avail and all you need is to fill in our application form that takes just a few minutes to accomplish online. After submitting your form, you don’t have to wait long for a response from any loan lenders because normally, it will only take a minute or two for an online lender to find out whether or not you are eligible for a loan based on the information that you have presented. If you are approved for a loan, the money will be deposited to your bank account instantly, sometimes on the same day that you made your application, making it an ideal option in addressing an urgent financial need.

The borrowers

Statistically speaking, the majority of the borrowers are single mothers who are in their 20’s and 30’s, undergraduate, and have an average or below average income level. Many of them also have poor credit scores. This is because payday loan lenders do not usually rely on credit history in their evaluation process and will prioritise an applicant’s salary and income level instead. The borrower’s paycheck is the lender’s ultimate insurance – the perfect form of collateral for a short-term loan because it guarantees repayment once the borrower receives his salary. Loan Lenders are also smart enough to know that the best due date for a short-term loan is on a borrower’s payday because this is obviously the time where he has the most money.

Depending on the lender, the Annual Percentage Rate (APR) of these loans can be a moderate 261% or a hefty 1304%. They are indeed costly and can become even more expensive if you miss out on your payments and get charged with additional interest rates for violating agreed terms and conditions of repayment as a result. However, if you utilise the credit accordingly and make a full commitment on your payments, the costs are quite reasonable considering the level of risk that the lender has to bear and the resources that he needs to spend in making due diligence.

Important Reminders

Finally, keep in mind that there have been numerous cases in the past involving payday loans being utilised by people with malicious content to take advantage of people desperately in need of instant cash. And while there have been relevant changes made and tougher regulations imposed to better protect borrowers since then, the risk is still there and will always be there as long as credit exists in this world. To avoid falling prey to such a scheme, know the ways of protecting yourself. Always ask for a license so you will know if you are dealing with a legit lender or a scam. Also be wary of hidden fees and carefully go through the terms and conditions before signing a deal. Search the web for authentic reviews and testimonials made by costumers and customer groups so you will know the lender’s track record.

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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