You’ve paid your bills, set yourself a budget for the month and seem to be on track with your finances…. but then, your car becomes unexpectedly damaged on your commute to work and you need to pay a hefty bill to get it back to working order. What do you do? You don’t want to ask friends and family and your credit is less than perfect.
We can help you find short term, payday loans or longer term personal loans. At Lucky Loans, our partner could help you find the perfect solution for your needs and alternative borrowing methods to the high streets. The application process is much quicker using an online platform than that off applying with a bank or building society.
We live in a time where credit is becoming increasingly difficult to obtain and the same day loans provide a lifeline to our customers. If you think you are alone with your struggles, don’t worry, you’re definitely not. We have helped thousands of customers since we launched in 2015 and we can help you too. Lucky loans and it’s partners aim to make the whole process as simple as possible, we want to get you a yes from the Lenders!
We understand that many people who require same day loans will require the money fast and efficiently. We ensure that our whole online loan application is as simple and fast as possible so that your application is submitted within a matter of minutes. You will always be provided with an instant decision so you do not have to wait for someone to get back to you with a “yes” or “no”, you will have the answer within seconds of submitting your application form.
Finding the right UK Loan
We understand that everyone’s needs are different, which is why many different types of UK loans fit around a range of circumstances to suit different needs. To offer you a bigger choice of financial products to suit your needs, our partner works with a large selection of lenders who can offer you the loan that best suits your needs.
Whether you need a short term loan to deal with an unexpected bill or a personal loan for more expensive purchases, Lucky Loans can help. Our customers use the loans for a range of purposes and no matter what yours may be, we may be able to help you. Whether you’re looking for a debt consolidation loan or paying for home improvements, loans through our partner’s lending platform can be tailored to suit you.
People use personal UK loans for all kinds of reasons, holidays, weddings, to pay off existing debt, unexpected bills, home improvements and car loans.
We know it might not be possible to pay your loan back on your next payday. You may have other commitments and might need more time to pay it back, which is why we have introduced short term loans for longer term lending. However if you require loans that span more than 12 months and for larger amounts, then a personal loan may be more suitable to your needs.
For payday loans, you can apply to borrow between £50 – £3,000, using our partners lending platform. Instead of paying it back on your next payday, you have the flexibility to pay it back over a 3 month period. This can take a lot of stress and worry off your shoulders, and save you from incurring any additional charges and costs. You pay fixed payments over a 3 month period, rather than paying it back in one go.
Many lenders will allow you to pay off your loan over the course of a few months. Paying your loan over 3 months gives you more flexibility if you struggle to pay your payday loan off in one payment, however please remember that by spreading the loan over multiple months you may be paying more overall.
Use our sliders to select the total loan amount that you wish to borrow. You can also select how long you with to borrow for. For short term loans, choose up to £3,000 and for personal loans you can apply for up to £25,000.
Applying online only takes 5 minutes, we need to collect some information about yourself including your name and address, employment details and monthly income information. This will give us a clear insight on whether you will be eligible for a loan or not. We will also need you bank account details if you are approved so the funds can be sent directly to your bank account
You will be provided with an instant online decision within a few seconds of submitting your application form. The decision will simply tell you if you have been approved or declined for a loan.
If you have been approved for a loan, you will be directed to the payday loans direct lender that will be providing you with the loan. Once here, the lender may ask you for more information or your loan agreement will be shown to you in which case you will need to read through it thoroughly. You could receive the funds in your account in just 15 minutes!**
A payday loan is designed to cover short term financial needs. If you need financial help before your next pay day, and you’ve been rejected by your bank or mainstream lenders and family and friends cannot help you, these could be a suitable solution. Payday loans are the smallest type of loan available to UK customers. Apart from an overdraft and credit card, a payday loan is the only other form of finance that can be borrowed at such a small amount and can help prevent UK customers from taking out larger loans to cover small costs.
No matter how hard you try to budget, it can be difficult to keep up with day to day expenses, especially when unexpected costs arise and at Lucky Loans, our payday loans are designed to suit your short term needs.
If you have missed payments in the past or have a damaged credit file, or lack of credit history, some mainstream payday lenders may not lend to you. If you have exhausted other avenues, then a payday or short term loan may the best option for you.
Personal loans are a type of finance that are specifically suited to help pay for larger cost items such as a holiday or a larger expense. Due to the higher value of the loan, they are different to payday loans in the way that these types of loans will usually be repaid over a 1-5 year basis to help ease the monthly repayments.
What happens if you’ve set a date for your wedding, planned to save but the closer it’s getting, you realise you are just not going to be able to afford it? You can’t cancel your wedding and you may not have anyone to borrow from.
You want to be able to enjoy the special day, not stress about money – and with a personal loans, you can pay for those larger events in life with ease.
If you need larger sums of cash for up to 5 years, personal loans will be better suited to your financial needs. You can borrow from £3,000 to £25,000 for more costly events, such as weddings, home improvements or a car/vehicle purchase. You may just be starting as a freelancer and need some funds before invoices are paid. Whatever the purpose, Lucky Loans and our trusted UK loan partners may be able to help you.
We understand how stressful it can be to realise you don’t have the funds to do what you need to do and asking to borrow cash from your nearest and dearest is not always a viable option. You may even just need to get away on holiday and escape the day to day grind, in which case personal loans can be ideal for this too. Everyone is different in what they need and a personal loans can be adapted to suit different customers.
Sometimes it’s just not possible to wait around for weeks for your funds to arrive, especially if your car needs repairing or you are already over due on a rent or mortgage repayment.
You may have urgent financial concerns and you might not have the time to wait around for an answer on your application. Some lenders on our partner’s panel strive to give you a quick decision and access to your funds as quickly as 15 minutes from approval.*
When it comes to personal loans however, approval and receiving your loans may take longer and up to a couple of days due to the loans being of a bigger value*.
The application process is really fast and you will receive a decision within seconds. If successful, we will transfer you to the lender’s website within seconds and you can finish your application on their site. You should get a quick decision, and depending on the lender, if you are successful, your funds could be deposited into your account on the very same day, sometimes in as little as 15 minutes from being approved;
How to apply online?
We aim to make the application process as simple as possible. First, decide which type of loan you want. Short term loans up to £3,000 or a personal loan up to £25,000.
Select the ‘apply now’ button and the amount you wish to borrow. The application takes just a few minutes to complete and you will receive a decision within seconds. There is no need to send over any supporting documents – such as payslips, bank statements etc, however if you are accepted by a lender that may want you to provide proof of income and carry out a few more checks. Don’t worry about the purpose of the loan, decisions are not based on why you need it, all we need to know is that you have the income to pay it back.
Like many payday loans lenders we will also need your bank account information, this is not to take any form of payment from you, this will be used to inform the lender of the specific bank account in which your funds should be sent to.
We are completely transparent about our costs – unlike many other lenders, we won’t hit you with any unexpected or hidden charges.
Your lender will provide you with the full cost of the loan, which will include any interest repayments, so you know exactly what you will need to pay back and when you will need to repay it.
The service is 100% free of charge – you won’t be charged anything for using our service.
We ensure that our partners only work with trusted UK lenders that we can introduce you to, through our partner are all passionate about responsible lending and want to help you find the most suitable solutions for your needs. This is why they offer different options, so they can accommodate the needs of a wide range of people.
All we ask is that you act responsibly and only apply for the loan if you can afford to pay it back when the time comes. If you don’t pay it back on time, you could be liable for additional costs, so only apply for a loan you can afford.
Don’t stress about not being able to cover a bill, pay for a wedding or even go on holiday. Apply now for your personal or short term loan and take some of the pressure off your shoulders.
There are many different reasons why people turn to personal loans and why they continue to grow in popularity with UK customers. There is no restriction as to what you can use a personal loan for; reasons vary from holidays to car loans.
Pay off existing debt