WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. RATES FROM 45.3% APR TO 1575% APR FOR HELP, GO TO MONEYADVICESERVICE.ORG.UK

The Answer To Your Cash Needs

Representative 277.5% APR

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances

Non-payment could have a negative impact on your credit rating and have increased charges and interest rates.

The Great Things About KnightFinance

Super Fast Process

You could get money directly into your account after just a 15 minutes application.

Affordable Finance

Get the cash you need without the usual high costs, because of our wide range of lenders.

Low Interest Rates

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Unsecured loans

There’s no need to put any collateral against your credit, all our loans are unsecured.

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Loan amount
£200 - £1,100
Loan term
1 - 4 Months
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Loan amount
£100 - £2,000
Loan term
1 -12 Months
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Why Find Acceptable Loans in the UK

Because of the steadily growing demands for loans and other loan solutions, traditional lending firms and other similar institutions have decided to devise a system designed to lessen the burden of having to sort out borrowers based on their finances. Through this system, borrowers who will likely be able to pay off their loans are told apart from those who are not likely to pay them at all. But while this system was (and still is) of great help to the lenders, it made things so much more difficult for the borrowers.

With this credit scoring in place, borrowers who were unable to settle their financial obligations on time — regardless of their reasons — had their records automatically reflect bad payment histories. Individuals who either had low income or had no stable source of income at all, on the other hand, were automatically given poor credit scores. As a result, borrowers with poor credit and unacceptable payment histories were automatically precluded securing any more loans from any of the legitimate lending institutions. Because of this, borrowers with bad credit were often left with very few alternatives in times of urgent financial crises.

As a consequence of their poor credit scores, borrowers often had to choose either from highly improbable or uncomfortable to downright implausible alternatives. In times of pressing financial situations, borrowers were often left to choose from either borrowing from friends and family, or borrowing from lenders operating illegally. And while borrowing from friends and family might — at least to some — sound easy, for many borrowers, it’s not always likely. Because of this, many are left with no other option other than to secure loans from illegally lending individuals or institutions. And while this alternative does provide borrowers the temporary financial relief that they need, the long term repercussions associated with procuring these loans often leave borrowers in perpetuated difficult financial situations. Because these types of loans are unregulated, they often come in inhumanely high interest rates. As a result, borrowers have to pay in much higher payment increments, which often leaves them in even worse financial situations.

But with the recent innovations in the lending industry, coupled with the latest advancements in technology and security, innovative new loan solutions has since been introduced in the market.

How to Get Acceptable Loans in the UK

Because of the incessantly increasing number of borrowers with poor credit scores and bad payment histories, a new market was eventually created. With the increasing demands for innovative and more flexible financial services, lending firms and institutions have since exerted efforts to address the needs of this whole new market. As a result, innovative new loan solutions have since been made available to borrowers with bad credit. And with these innovative new financial services now readily available in the market, borrowers need not settle for loans with unforgivingly high interest rates. Through these new innovative loan services, borrowers are now afforded the advantages previously only available to the borrowers of conventional loans from traditional lending institutions. With these new financial options, borrowers now have access to more secure and far more affordable financial resolutions.

And while applications for most of the conventional loans being offered by standard lending institutions often entail tedious processes that involve waiting in long lines for long hours just for their submission — and even more waiting when it comes to the approval and release of loan funds, the opposite is true with these innovative new loan solutions. Because applications for these new loan services can be done completely online, borrowers need not waste their time in long lines. Through these new financial services, borrowers can fill out and submit their application forms right straight from the comfort of their own homes. With these types of loan solutions, borrowers need not submit any more additional requirements. Applications are processed as soon as they are submitted, and borrowers can expect for their approvals in as little as just a few minutes.

How to Get Acceptable Loans for Bad Credit

Because procuring conventional loans from standard lending institutions and other similar firms is no longer an option for borrowers with bad credit, in the past, they were often left to choose from very few and often uncomfortable alternatives. As a consequence of the credit scoring that lending firms had in place, borrowers with bad credit were often left with no better alternatives.

But with the recent advancements in technology, coupled with the evolution of the lending industry, borrowers now have have better options through innovative new financial solutions. With these innovative new loan services, borrowers can now enjoy the many benefits that used to be only available through the conventional loans that are being offered by most lending institutions. Through loans for bad credit, borrowers now have access to better, flexible, more affordable, and far more secure financial solutions without having to endure the tedious processes often involved in securing loans from standard lending firms.

In applications for loans for bad credit, everything can be completed entirely on the internet. This means borrowers no longer have to wait in long lines for their applications’ submission, nor do they have to wait for the approval of  their applications. Through these innovative new loan solutions, borrowers can expect for the release of their approved loans’ funds on the same day that they submitted their applications. And because applications are done entirely online, borrowers can submit their applications from anywhere, anytime.

Acceptable Loans: When to Get Instant Loans

Instant loans are one of the most sought-after of the innovative new financial services — and for good and obvious reasons. Because types of loan solutions allow borrowers the advantage of having access to financial solutions when they most need it, these financial services are the most in-demand among the borrowers. Through these types of loan options, borrowers need not have to leave the comfort their own homes just to submit their applications. Because application for these loan services can be completed entirely online, applicants can submit their applications using any device, anywhere, at any given time.

Instant loans make the best resolutions in times of urgent financial situations. Through these loan solutions, borrowers can now immediately address urgent financial crises. These types of loans can help borrowers address urgent and unexpected expenses, such as those that stem from emergency situations, such as hospital bills and accident-related costs, car repair expenses, as well as costs from urgent home repairs. Aside from these situations, instant loans also make the best options when it comes to relatively affordable purchases — such as that of new appliances, gadgets, travel costs, and other similar expenses.

With instant loans, borrowers have access to instant loan resolutions, without having to submit any more additional documents and requirements — even despite their bad credit conditions. But because these types of loan options are usually small loans that borrowers can repay over short term payment conditions, they do not always make the best resolutions in more complicated financial situations. In financial needs that require loans in amounts that are far higher than what small loans are usually able to yield, borrowers are best off procuring loans that can be paid over in much longer payment term conditions.

Acceptable Loans from Direct Lenders: Are They Any Cheaper?

With the proliferation of innovative new loan solutions in the lending market, borrowers now have access to many different types of financial services. And because they now have a wide array of choices, borrowers often try to look for loan solutions that would yield them the best savings. But due to a common belief among borrowers that securing loans through loan brokers only lead to the unnecessary payment of loan brokers’ fees, many borrowers tend to believe that they get more savings by procuring loans from the lenders directly. And while borrowing directly from the lenders may at times actually yield to more savings, through the help of loan brokers’ services, borrowers actually have more chances of saving.

Because loan brokers have a network of connections to many different lenders across many different regions, they have extensive access to the many various deals and promotions that the lenders have to offer. For this reason alone, borrowers actually have far better options in choosing the loan solutions that will yield the most savings. And since loan brokers often extend extensive expert assistance to borrowers to ensure that they are able to find the best loan solutions given their unique financial situations, borrowers obviously enjoy more benefits by procuring loans through the loan brokers’ services.

With the proliferation of fraudulent lenders and brokers online, however, borrowers are strongly encouraged to take extra measures in securing loan services — be they through the services of loan brokers, or directly from the lenders.

Acceptable Loans: When to Get Guarantor Loans

Because most of the financial resolutions meant for individuals with bad credit are small loans on short term payment conditions, borrowers confronted with complicated financial problems often feel like they have no other option. In financial situations that demand loans in much higher amounts than what small loans usually allow, loans that can be paid over in longer payment term conditions are the borrowers’ best options. But since most of the loans meant for borrowers with bad credit are short-term conditioned small loans, many borrowers often think they don’t have anymore better alternatives. But with the many new loan solutions now available in the market, borrowers now have better options even despite their bad credit. For financial conditions that require loans in longer payment terms, borrowers are best off procuring financial resolutions like guarantor loans.

With these types of loans, borrowers are able to enjoy the benefits that, in the past, only borrowers of conventional loans from traditional lending institutions are able to take advantage of. Through guarantor loans, borrowers are able to enjoy much bigger loans in far lower interest rates, which they can pay over in much longer payment term conditions.

Guarantor loans are actually loans that borrowers can secure with the help of guarantors — or individuals with good credit scores who are willing to pay off the borrowers’ loans should they fail to repay them for any reason. Guarantors can be anyone except the borrowers’ spouses, as spouses are generally considered co-borrowers of the borrowers. But although these types of loan solutions provide borrowers numerous benefits, the difficulty of finding people of good credit standing who are willing enough to take on the roles of guarantors often make these types of loans implausible resolutions for many borrowers who are in difficult financial situations.

How to Get Acceptable Loans with No Guarantors

Unlike the application procedures for many of the conventional loans being offered by traditional lending institutions, applications for these innovative new financial services are far more straightforward and less complicated. Because applications for these loan solutions can be accomplished completely online, borrowers can apply anywhere, anytime. And although procedures often vary from one lender to another, applications for these loan services are often completed with just a few, easy steps.

  1. Online registration. To secure application forms for these loan services, borrowers need only register and secure their application forms online.
  2. Filling up application forms. In filling up application forms, borrowers are urged to ensure that all the information required are provided where they’re needed, that all the information stated in the applications are correct.
  3. Uploading requirements. Applications for these loan solutions do not necessitate any more additional documents and requirements, but borrowers are required to submit basic documents to help lenders establish their financial capacities, as well as their respective identities.
  4. Submitting requirements. Before submitting their applications, borrowers are strongly advised to make sure that their application forms are duly filled up with all the required and correct information, and that the documents to be submitted are complete and verified authentic. This is because incomplete application forms and lacking requirements often lead to unnecessary delays in the processing of loan applications — and in a number of cases, even their outright rejection.

5 most recent personal loan reviews

Review of Colonial Second Charge Loans

I love CSC loans I have been with them nearly three years, need a top up as my son is getting married. They where brilliant as usual, no problems, done so quick - they were my life savers when needed most, thank you.

Review posted by Mary Hartnoll, Canterbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Together

As guarantor for my daughters, loan the service we got was quick and efficient, did checks, asked questions and all was sorted very quickly, would definitely recommend Together loans to all.

Review posted by Susan Mills, Darlington

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Shawbrook Bank

Brilliant service. The application process was a doddle, the Shawbrook representative who called me was polite, understanding and cheerful. The whole thing (from starting the application process to receiving the money) took around 3 or 4 hours. Very quick and efficient and no long or silly forms to fill out. Just what was necessary. Am very pleased I chose Shawbrook.

Review posted by John Marcus, Surrey

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from the UK Trust Pilot to certify authenticity.

Representative 277.5% APR

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances

Non-payment could have a negative impact on your credit rating and have increased charges and interest rates.