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

Compare lenders to make sure that you get the lowest possible rates.

Unsecured loans

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

See How Our Competitors Compare

Loan amount
£200 - £1,100
Loan term
1 - 4 Months
CUSTOMERSCORES
Fast services
Apply Now

Show More ▼

Loan amount
£100 - £2,000
Loan term
1 -12 Months
CUSTOMERSCORES
Excellent
Apply Now

Show More ▼

Cash Loans: Finding the Best Loan Options

Despite the fact that loans have been around throughout the history of time, its popularity never ceases —  and the demands for it only continue to increase. But as demands for loans and loan options continue to grow, so do the number of borrowers failing to pay off their loans. In an attempt to address these pressing problems, traditional lenders and other similar firms have decided to come up with a credit scoring system intended to easily identify borrowers who will likely be able to pay off their loans without any problems, from those who may not even be likely to pay them at all.

With this credit scoring in place, borrowers with incomes that the lenders deem insufficient are automatically given poor credit scores. Borrowers, who on the other hand, often missed their payments or have not paid them at all had their records automatically reflect bad payment histories. As a consequence, individuals with poor credit scores and bad payment histories are automatically precluded and disqualified from securing any more of the loans being offered by the standard lending firms. And while such credit scoring system worked well for the lenders, it proved to be detrimental to the interest of the borrowers with bad credit.

Because individuals with poor credit were no longer allowed to procure loans from any of the the legitimate lending institutions, finding loans in times of urgent financial situations has started to become a problem. During times of financial crises, borrowers could only choose from a few and often undesirable alternatives. Because borrowing from friends and family isn’t always possible, nor is it easy, borrowers hoping to get financial loans in times of pressing situations often resort to procuring loans from underground lending firms. And while these underground solutions do provide borrowers the temporary relief that they often need, the long term financial repercussions associated with the exceedingly high interest rates of these illegal loans often pose even more problems.

Cash Loans: Finding the Best Loan Options in the UK

Because underground loans from illegally operating lending firms are not regulated by the government, they often come in exceedingly high interest rates. As a consequence of these interest rates, borrowers had to pay off their loans in exceedingly higher payment increments, often leaving them in perpetuated financial crises. But as the number of borrowers with bad credit had continued to increase, an entire new market was soon enough created — and as the demands for more flexible solutions continued to grow, innovative new financial services were eventually developed by the lenders.

With these innovative new loan solutions, borrowers need not wait in long lines in long hours just for their applications’ submission. And while approvals for the conventional loan services often take weeks — and sometimes even months — to complete, applications for these new financial services can be expected in just as little as just mere minutes. Release of approved loan funds for conventional loans, on the other hand, can take as long as months to complete — but release of funds for these innovative financial options can actually be completed on the same day that the borrower’s application was submitted.

Through these innovative new loan solutions, borrowers need not have to settle for unsecured, and extremely expensive loans. But while before, borrowers had very few alternatives, the continuing innovations in the lending market has since paved way for the proliferation of different new loan solutions. But while the growing number of financial services now available in the lending market did give the borrowers new and better options, their proliferation has also paved way for the emergence of fraudulent brokering and lending firms.

Advantages of Cash Loans for Bad Credit

While in the past, borrowers had previously few and often unattractive alternatives, with the evolution of the lending industry, new, more affordable, and more flexible solutions are now part of their options. Through these all new financial services, borrowers now have better solutions tailored specifically for their unique financial situations. With these types of loan options, borrowers can now choose from many, flexible, and more secure financial services at much lower, and much more reasonable interest rates. Because of these new loan options, borrowers need not have to settle for undesirable, and sometimes even illegally alternatives.

Unlike applications for most conventional loans being offered by traditional lending firms and institutions, application processes for loans for bad credit are much more straightforward and far more convenient. Because applications for these financial services can be accomplished completely over the internet, borrowers need not have to find the time that they don’t have to waste it waiting in long lines just in order submit their applications. Through these types of loan services, borrowers have the convenience of being able to apply for loans right straight from the comfort of their very own homes. And because everything can be done entirely online, borrowers now have the option to submit their requirements anywhere, anytime. With these types of loan services, borrowing need not be complicated.

With loans for bad credit, the submission of additional (and often impossibly hard to procure) requirements is no longer necessitated. Because applications for these types of loans are simple and very much straightforward, their processing and approval can often be accomplished and completed in as little as just a few minutes. And since applications for these loans are processed immediately, borrowers can usually expect for the release of approved loans’ funds on the same day that their applications were submitted.

How to Get Cash Loans and Instant Loans

Instant loans are one of the most popular and, inevitably, the most in-demand of the innovative new loan solutions that are being offered to borrowers with poor credit scores. Because these loans can practically be secured “instantly”, they make really good resolutions in times of urgent financial situations that call for immediate action. Through these types of financial services, borrowers need not wait in long lines for long hours, as the need to physically go to banks to submit applications is no longer needed. With instant loan services, borrowers can facilitate their transactions entirely online —from loan applications, release of funds for approved loans, to the repayment of their loans.

These types of loan options also make great choices in financial needs relating to relatively affordable purchases, such as that of new home appliances or new gadgets. Because these loan options are far more flexible than the conventional loans being offered by the traditional lending institutions, borrowers can use these types of loans in paying for travel and other similar expenses. With instant loans, borrowers now have access to much-needed funds in times of emergency situations, such as those that involve urgent home repairs, car repairs, and even hospital bills and other similar unforeseen costs. But while instant loans do offer borrowers countless advantages, it doesn’t always make the best option in all types of financial situations. Because instant loans are usually and generally small loans that the borrowers are allowed to pay over a short term payment condition, these loans are only ideal in addressing relatively small and relatively simple financial situations. For financial needs that require much bigger amounts that borrowers can pay over much longer payment terms, borrowers are best off procuring loans similar to those being offered by traditional lending firms.

When to Get Cash Loans and Guarantor Loans

Since most of the loan options being offered to borrowers with bad credit by most lending firms are typically small loans to be paid over in short payment terms, financial needs that require much more complicated financial situations simply can not be addressed by most of these financial services. But with financial solutions such as guarantor loans for bad credit —borrowers now have far better, more affordable, and much more convenient loan services.

Through these types of financial services, borrowers can avail of loans in much more flexible and much longer terms with the help of a guarantor. Guarantors are individuals or firms who are of good credit standing and willing to pay off the remainder of the borrowers’ loans, should they fail to repay them for any reason. They can not, however, be the borrowers’ spouses —as spouses are typically considered co-borrowers in most loan agreements.

Guarantor loans are great alternatives to the conventional loans of standard lending firms, as in these types of loans, borrowers are given the opportunity to enjoy benefits that were previously only available to borrowers of the traditional lending institutions. But while these loan services come with so much advantages, they don’t always make the easiest options. Because of the the gravity of the responsibility associated with the roles of a guarantor, borrowers don’t always find it easy to find individuals or firms who are willing to take on these roles. And although there might be a few who are willing enough to be guarantors, the fact still stands that guarantors must have good credit scores.

While these loan services do not always make plausible alternatives, there are other, more flexible loan options that borrowers can take, such as that of no guarantor loan services.

How to Get Cash Loans and No Guarantor Loans

Through no guarantor loans, borrowers are afforded far more convenient services compared to that of the conventional loans being offered by the traditional lending institutions. While applications for conventional loans often entail long hours of waiting in long lines just for the submission of the borrower’s application, with these innovative new loan solutions, borrowers can submit their applications right straight out of the comfort of their own homes. Because applications for these loan services can be accomplished and completed entirely online, borrowers have the convenience of being able to submit their application forms using any device, from wherever they are, anytime. And while application procedures may often vary from one lender to another, applications for these loan services usually just involve a few, easy steps:

  1. Registration. Borrowers need only register and secure their application forms online.
  2. Filling up application forms. In filling up application forms, borrowers are strongly advised to make sure that all the required information are provided, and verified correct.
  3. Uploading basic documentary requirements. Although applications for these types of loan services do not necessitate any additional requirements, borrowers are still required basic documents for verification purposes. Some of the documents that lenders may require of them are:
  • Proof of Identification (such as identification cards, etc.)
  • Proof of income (or their latest statement of account)
  • Residential Number
  • Social Security
  • Updated Contact Details (including a working phone number, and valid email address)
  1. Submission of application. Before their applications’ submission, borrowers are urged to ensure that their application forms are duly filled up with all the correct information, and that the documentary requirements that they are to submit are not only complete, but also proven authentic. Failure to do any of these may result not only to prolonged delays in the processing of the borrower’s application, it can also lead to its outright rejection.
Cash Loans from Direct Lenders: Are They Really Any Better?

For most borrowers, there is a common belief that savings are more likely if they borrow from the lenders directly. This is because many believe that securing loans through loan brokers’ services only result to the payment of unneeded service fees. But while it might be true that borrowers may save by not having to pay for loan brokers’ services, the benefits that borrowers may get from these services are often severely underrated.

Because loan brokers bank on their network of connections to different lenders across different regions, they have extensive access to the numerous deals and promotions that lenders offer across all their may different financial services. And with all these accesses and connections, loan brokers are able to provide borrowers the best offers.

Borrowers are strongly advised, however, to take extra precautionary measures in submitting loan applications — be they through loan brokers or directly through the lenders — as many fraudulent firms now pose as legitimate brokers, as well as direct lenders.

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.