How do United Kingdom Loans work?

Short term loans from United Kingdom Loans

4 out of 5 loans accepted

How it works

If you need to borrow £100 to £3500 we have some great options available for you. If you would like a loan simply apply and submit your details.  We will then attempt to find a suitable lender for you. This all takes place behind the scenes and takes minutes for us to process using our state of the art technology.

The process can be broken down as follows:

  • Apply for your  loan
  • Submit your application
  • If a successful match has been made, we will redirect you through to the lenders website to complete the final steps of the application
  • If your application is approved by the lender the funds can be in your account in as little as 15 minutes.

United Kingdom Loans are not a lender. We are a licensed broker working with direct lenders and our free service compares multiple lenders quickly and easily.

How do I qualify for an instalment loan?

There is a simple criteria we use to determine eligibility for qualifying for a UK loan:

Are you employed?

To be able to apply for a loan you need to be employed, either part or full time and receive a minimum monthly income of £500 per month.

Are you a UK resident?

You will need to be resident in the UK to be approved for a loan.

Do you have a UK bank account?

It is important that you have a valid bank account. You will need to have the details of this ready when you apply for a loan. The bank account information you submit will be submitted to lenders and these will use to deposit your cash.

Anything else?

Lastly, you need to be at least 18 years of age to apply for a loan,  have a valid email address and a valid mobile phone number.

If you meet all of this criteria (including having a valid email address and mobile phone number) then you can apply for a loan today. Some lenders may even be able to get your loan deposited within 15 minutes*!

4 out of 5 loans accepted

Loan Checklist

  • Employed
  • Valid UK bank account that your wages are paid into
  • UK Resident
  • Age 18+
  • Employed earning over £500 per month
  • Valid email address
  • Valid mobile number

Being a member of the CCTA (Consumer Credit Trade Association) brings with it a reputation for maintaining the highest standards and following guidelines to ensure we bring our customers the best service possible.


United Kingdom Loans does not make credit decisions and is not a lender. United Kingdom Loans introduces customers to Nouveau Finance Limited, who match customer's loan applications with lenders on their panel based on the information you provide. United Kingdom Loans may receive commissions for introductions. This website does not directly endorse a particular product or service. Information on our website should be taken as opinion only. Loans for UK based customers only. Loans are subject to status and satisfactory affordability checks. Over 18's only. Default charges may apply if you do not repay on time. Short term loans are not suitable for longer term borrowing needs.

Consumer Advisory:
United Kingdom Loans is a loan matching service. This website will submit the information you provide to a direct lender. Upon a loan approval, a direct lender may require further information from yourself which will be collected after we transfer you to their website or they may contact you via phone or email or both.

Auto Decisioning
Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

Non Payment Implications
The implications of non-payment of your loan could include adverse details being included in your credit report. This could adversely affect future attempts at securing credit or finance, in additional to further charges potentially being added by the lender. Where you miss a payment entirely, you will often incurr 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 repayment date with you. If you are struggling, or think there is a possibility that you will not be able to meet repayments, Rhumsaa Finance strongly recommends that you contact the lender in the first instance.