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 £50 to £3000*
Apply online today for a short term loan and receive an instant decision
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.

Quick Loans with Lucky

When you need money fast, your mind might go immediately to a quick loan. Maybe someone hit your car and you need to repair it, or you just need a little bit more for the mortgage this month. Quick loans provide you with money efficiently and quickly, so they’re perfect for emergencies. If a quick loan is exactly what you need right now, read on to find out more.

What are Quick Loans?

Quick loans are loans specifically meant to provide a quick solution to urgent financial problems. They’re issued for a short amount of time and generally involve a less vigorous screening and approval process. For those of you with bad credit, or who need money very quickly, these personal loans in small amounts are indispensable. Quick loans are very similar to payday loans when it comes to the application process, total amount that can be borrowed and the total amount of time that the loan can be borrowed for. To receive a quick loan, all you have to do is to fill out a short application in-store or online. After filling out the application, you will receive a decision within a few minutes from your lenders, so you’ll know the state of your loan almost immediately. Ideally, you’ll see those pounds show up quickly within your bank account, usually within the same day. Some people even see theirs within the same hour. These loans can range from hundreds to thousands of pounds, depending on your needs.  
What Happens After Approval If your loan has been approved, the lender will conduct some automated checks such as credit checks and an affordability assessment. This will ensure that you match their criteria and can afford to repay the loan. You also may need to confirm a few details over the phone with your lender to complete the loan application. Your lender just wants to be sure that you are able to pay back your loan, so they also might ask for proof of your income and salary with a pay slip or a bank statement. Remember that you also have to sign a loan agreement, which will specify all terms of your transaction, including your responsibility in repaying the loan over time. After you’re approved, look for the pin code sent to your cell phone and login online to verify the electronic loan agreement. You’ll save tons of time since you don’t need to print anything, sign them or send them off. This is how your loan shows up in your account so quickly - everything is done online, so you and your lender both save lots of time.
  • 5 minute application form
  • 15 minute cash transfers**
  • Receive an Instant decision
  • 100% free to apply
  • Borrow for up to 3 months
  • All credit histories welcome
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 – £3000 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!**

What are the Benefits of Quick Loans?

To reiterate, quick loans are designed to help you in emergency situations when you need to borrow certain amounts of cash and don’t have the time for lengthy procedures. Instant loans have many benefits over the traditional lending process, making them a more and more popular option these days for quick cash infusion. Active demand and an increasing number of lenders lead to the minimal limitation and requirements that borrowers should meet. Quick Service The application process is usually conducted via online forms, designed to be filled in quickly, with minimal amount of details required. To compare, when undergoing a conventional loan or a credit card, you will have to wait several weeks for the feedback and payment. On the other hand, with instant loans, that is not the case. You get the feedback on your application usually within the next hour or so. If the answer is positive, you will gain access to cash by the end of the day. In cases when the answer is negative, the short response time allows you to seek help elsewhere without losing precious time. The paperwork involved is minimal and you often have to submit the proof of your income, which can be easily done within minutes using email or fax. You Get the Cash As opposed to traditional loans where you have to spend money on defined terms for purposes specified by an agreement, with instant loans you get the cash on your free disposal. Because of that, you are able to spend that cash on anything that needs to be solved, usually on various bills and repairs. Few Requirements To get a quick loan approved, you need to meet only a few requirements, the most important one being a stable income. This income is the guarantee you will be able to repay your loan in the following months. As long as you are able to prove that you have a consistent income, you will surely find a willing lender to help you with your cash emergency. Other requirements include an active debit account, mobile phone and email address, as well as registration as a permanent UK resident. You have to be above 18 years old to get a quick loan, but if you have a permanent job and required stable income, you are likely to have already met this condition, as well. Your Past Financial Mistakes Don’t Matter Accessing a conventional loan or credit card requires for you to have a good credit rating. When it comes to instant loans, your poor credit rating doesn’t matter. As long as you are able to provide the proof of stable income, your past financial mistakes are not taken into account. In the beginning, you are only able to access a loan within your salary range. However, as you repay your loans on time, you will qualify for higher amounts - depending on the lending policy and amounts limited by the law. If you establish a good relationship with your lender, you will always have a quick solution to all your cash emergencies. The short payment period may seem as the main shortcoming of an instant loan, as opposed to traditional loans, where you repay the money borrowed for years to come. As the future may be unpredictable, you could potentially have problems with your payment. Missing a payment leads to fines and penalties, dragging you into deeper financial problems. We think that the short repayment period is actually an advantage, protecting your future credit rating and keeping you from serious financial troubles.   Apply Now
How It Works When you apply for a quick loan, a series of checks are conducted to make sure you match the lending criteria and can afford to repay the loan as agreed. Although this is a quick process, after your loan application has been approved, you are required to sign a loan agreement. This agreement defines the terms and conditions of the transaction. This is usually done by sending a PIN code to your mobile phone, which you then enter online to verify electronic loan agreement. This saves time and bypasses the extensive paperwork, which is a characteristic for conventional loans. The amount of money approved goes through faster payment services and reaches your account within hours from the beginning of the process. Sometimes, you are able to choose how you wish the funds to be transferred. However, in most cases, the full value of the loan is transferred to you the very same day. Through faster payments, you receive money quickly without additional cost for service.

When to Apply for a Quick Loan?

Quick loans are usually referred to as “high cost short term loans,” as they can be a more expensive option than other loan products from today’s point of view. That is why you need to have this in mind when applying, as you need to be able to comfortably pay back the borrowed amount of money, including any interest. These loans are ideal for financial emergencies, such as bills that are due before you receive your salary, repairs that have to be urgently made to your home or car, unexpected loss of income or your salary is late. On the other hand, a quick loan should not be used for holidays, gifts or purchase of the material goods. And certainly not for paying off another type of debt, as it could lead into a debt spiral. Ideally, quick loans should last a few weeks or months, after which you have to be able to repay them with ease. As you repay them on time, you build your reputation and qualify for higher amounts in the future. Why Choose Us? There are many reasons why you might be looking for a loan, but you’ll soon find out that there are tons of possibilities when it comes to places to help you find a good lender. We’re unique at Lucky Loans, though, with many reasons why you should choose us to connect you with a verified lender. Safe and Secure When you submit your information with us, we make sure to keep everything secure and safe. Rest assured that your information will not be sold or shared with anyone else. There are so many websites out there that aren’t trustworthy, or that try to steal your information or infect your computer. Steer clear of those places and trust in our security instead. Choice There are quite a few lenders out there, but we connect you to the best possible option available for you. This will ensure that you are paid quickly and, of course, we have the entire process online. Your details will be processed by a variety of well-known and trustworthy cash lenders. This entire process means that you are able to apply to many providers with just one form, increasing your chances of getting a loan quickly. Faster Payments Quick loan value is transferred to your account using a faster payment service, ensuring the requested amounts of money are transferred in the shortest amount of time possible. Before this option became available, most transactions would take up to 2-3 days, making loans not as quickly as they should be. Faster payments offer speed, convenience and security to the customers. They are available 24/7, processed almost at the touch of a button and money is made available to the recipients within minutes. They are available via telephone as well as online banking and payments may be sent even to a mobile number, without needing to provide additional account details.
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

Handpicked Lenders

We handpick our lenders and have a personal relationship with them to ensure that you have lots of wonderful options. Our lenders are known for their quality, reliability and experience in the entire loan process. Additionally, they are being updated constantly to provide you with the best options. Risk-Free Cancellations If you decide you don’t need the loan, or really don’t know when you’ll be able to pay it back, you are able to return it and pay nothing. Just be sure to read the terms the lender provides. Speedy Application Fill out our application in only a few minutes and watch as you see your cash become available to you. There’s no hassle or fuss at Lucky Loans, especially since we’re available with loan applications all day, every day. Online Application You fill out your application online, but we’ve tried to reduce the number of fields you have to fill in to save you some time. We’ll also include the mandatory ones if you’re really in a rush. Since we have relationships with multiple lenders, they’ll be able to assess your application quickly, with no middlemen that might slow down the process.  

What information do we ask for?

  • Address Details
  • Monthly Salary
  • Monthly Outgoings
  • Employment Status
  • Bank Account Details
Credit Scores Rest assured that we don’t check your credit more times than we need to. If a lender pulls your credit score too many times, it will affect your credit, but we don’t pull it to match you with your lender. Whether you have good or bad credit, we’re also prepared to assist you in finding a lender to match your situation. No Fees You’ll never see us at Lucky Loans charge you with any fees for applying for a loan using our website. You need that loan and we’re here to help, not to make you pay upfront for our services. Don’t ever use a website that makes you pay, or that seems too good to be true. Our goal is to provide you with a loan without hassle or payment, so make us your first option. Conclusion At Lucky Loans, we’re fully prepared to assist you with all your quick loan needs. We know that you need money fast and it’s not always easy to find a reputable place to submit that loan application. Come to us for a safe and reliable process that provides you with your loan quickly and with little hassle too. Payday loans online Apply Now