Warning: Late repayment can cause serious money problems. For help, visit  moneyadviceservice.org.uk
Warning: Late repayment can cause serious money problems. For help, visit  moneyadviceservice.org.uk

Apply to borrow from £3000 to £25000*
Apply online today for a personal loan and get a decision today
Apply online today to borrow upto £25,000*
How much cash do you need?
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)
Lucky Loans will never call you or ask you for an upfront fee for using their service. To report a scam visit The FCA
Lucky Loans does not provide any loan or consumer credit products directly. We are a Credit Broker and not a Lender.

Why Choose a Personal Loan?

Are you looking to purchase a new car? Add an extension to your home? Or simply book a Family holiday of a lifetime? Most of us are unable to afford such high cost items out of our monthly paycheques which is why many people in similar situations will turn to a personal loan for an additional financial cushion.
  • One Simple 5 minute application form
  • **15 minute cash transfers
  • Monthly repayments
  • Instant decisions
  • Applying through us is 100% free
  • Loan durations between 1 - 5 years
  • Lowest interest rates and APR*
  • Flexible repayment terms
  • All credit histories welcome
Personal loans are exactly the same as unsecured loans and allow you to borrow anywhere up to £25,000 whilst spreading the cost over a 1 – 5 year period. Personal loans allow you to pay back a fixed monthly fee and are different from payday loans in the way that you can spread the cost of your loan out over a longer period of time, whereas payday loans usually require you to pay back the full borrowed amount on your next payday in one payment. Lucky Loans is part of an exciting new group of online financial websites based in the UK and specialise in personal loans and short term loans. Applying with Lucky is fast and easy, we help thousands of people every week and unlike many high street lenders and banks, we will always provide you with an instant decision. Apply Now

How it works

  • Choose your loan amount

    Choose the amount you want to borrow

    By using our homepage sliders you can select your total payday loan amount and borrowing period. You can select funds of £50 – £2000 to be repaid anywhere from 7 days to 3 months.

  • Apply

    Application Form

    Your application is 100% online and should take approximately 5 minutes. So we can give you an accurate and instant online decision we’ll ask you for some personal information such as your home address, employment details and monthly outgoings. For approved applications we will also require your bank details in order to transfer the funds directly into your account.

  • You decide

    Instant Online Decision

    We will give you an instant online decision within a few seconds of submitting your application form. Once approved your loan agreement form will be displayed to you where you can check everything over to make sure that you are comfortable with it. We will always display the total loan amount, interest rates and repayment dates so you know exactly how much you will need to pay back and when, there will be no hidden costs.

  • Done

    Receive Your Funds

    After you have reviewed and accepted your loan agreement form, we will automatically transfer the funds directly into your bank account. We specialise in fast cash transfers, you could receive the funds in your account in just 15 minutes!**

How Much Can I Borrow?

You can borrow up to £25,000 which can be paid back over 1 - 5 years. This means that you will pay a fixed monthly fee until the full cost of your loan including interest rates has been repaid in full. It is entirely your choice if you decide to repay the full cost of your loan in 1 year or 5. However most people prefer to spread the cost over a longer period of time which would result in smaller monthly repayments.

Fast Cash Transfers

We are proud of our reputation of providing one of the fastest loan application services available to UK customers. Our online loan service guarantees you an instant decision within minutes of applying for a personal loan which is what continues to set us apart from many Banks and high-street lenders. Once approved we aim to have funds transferred into your designated bank account within 15 minutes of submitting your application form.

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Why Personal Loans?

UK customers borrow over £173 billion every year in personal and unsecured loans from high street banks and lenders. Personal loans are one of the most common types of loans in the UK due to their large value and flexibility allowing customers to use the loan for almost any purpose. Unsecured loans such as personal and payday loans offer a lot more flexibility than other borrowing methods as you can spread the cost of the loan out to suit your monthly budget. Typically the longer you borrow the loan for the lower the monthly payments will be, ideal for those wishing to keep monthly payments at a minimum. However by spreading your loan out over a 5 year period this can in some cases increase the total amount that you pay back due to interest rates. More than 3 million people take out UK unsecured personal loans every year with a total of over £130 million being borrowed every single day to UK customers which makes them one of the most popular choice of loans to choose from.

What can I use a personal loan for?
Take a look at the 6 most popular uses for taking out a personal loan

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.

Car loans

Car loans

Home improvements

Home improvements





Pay off existing debt

Pay off existing debt

Unexpected bills

Unexpected bills

Do you offer Unsecured Loans?

Personal loans and unsecured loans are essentially the exact same thing. Both types of loans allow you to borrow a specific amount, anywhere up to £25,000 without having to offer an asset such as a house to act as a security against the loan value should you fail to pay the loan back.

How to Apply

We are 100% online, making it faster and easier to apply for a personal loan. It has never been easier to apply for a loan with Lucky, just simply choose the loan amount that you wish to borrow and complete our 5 minute application form and we will give you an instant online decision. Unlike many UK banks and lenders we do not carry out a credit check or ask for any bank statements, payslips, references or guarantors to give you an initial decision.

What details do we ask for?

  • Address details
  • Monthly Salary
  • Employment status
  • Bank account information

Our Promise

We will always provide you with the full cost of your loan upfront so you are absolutely clear on the total loan amount that you will have to pay back before you apply with us. We will never charge you a fee for applying or access your personal information and credit scores, we never have and never will. It is completely 100% free to apply with Lucky Loans and it is our promise that you will never be hit with any hidden fees or out of the blue charges.

Here at Lucky Loans we are passionate about responsible lending, sometimes a personal loan may not be the most suitable option for everyone which is why we will always provide you with advice and guidance on different borrowing options that may be available to you.

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