Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

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Loans Online - A Loan Found Every 60 Seconds

Get a quote in 2 minutes, then decide if you want the loan. If you are unsure if you will be accepted, try our QuickCheck

Loan amount £1000
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79.5% APR Representative
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Digitonomy Limited (trading as Clever-Loans) is a credit broker not a lender. All Applications Subject to affordability, UK residents only


Rates between 11.8% APR and Maximum 1721% APR - your no obligation quote and APR will be based on your personal circumstances - we compare small loans from over 30 lenders to get you the lowest APR possible. If you are not successful in finding a loan we may transfer you directly to alternative firms and services, such as credit builder tools, which may charge you a monthly fee.

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative.

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Loans Online - Use our Innovative Technology to get an Online Loan

As you look into your options in terms of applying for a loan, it is worth considering making use of the services of a personal loan broker. Navigating the landscape of all the available loans offered online can be a confusing one, but loans brokers are specifically designed to help connect you to the best loan option for your financial circumstances.

Here at Clever Loans, our innovative tool allows us to scan across up to 40 loans options from the 20 direct lenders listed on our database. If you enter a few short details on your financial and personal requirements, we’ll be able to provide you with an instant response on the best quote for you, saving you from having to search across countless online loans.

As a loans broker, we do not offer loans online ourselves, but we ensure that all of the lenders we provide quotes from are fully FCA regulated and authorised, so you can have confidence that they are a reputable lender.

How does our online loans process work?

Once you have entered a few simple details and made your loan application, you will then be presented with a quote so that you’re provided with an immediate response on the best fit for you.

Should you move forward with this, the direct lender who is offering loans online will perform their own personal checks – including looking at credit rating – before providing you with a decision on whether you’re accepted.

If you are accepted for a loan, you may receive your funds direct into your bank account within minutes**, allowing you to find a rapid solution to your current financial needs.

Please note: While looking for personal loans online can be a suitable financial solution for many individuals and families around the UK at different points, you should always consider whether the online loans process is the best fit for you. If at any point you find yourself struggling to keep up with the required repayments, you should speak to an organisation such as Step Change and ask them for advice and support.

What are the requirements to be eligible for loans online?

When it comes to the eligibility process for online loans in the UK, there are various requirements to meet, related to financial and contact arrangement. To be eligible to take out a personal loan, you need to be:

  • At least 18 years of age
  • A permanent UK resident
  • Have a valid UK bank account that can accept direct debit repayments
  • Have regular income being paid into that account
  • Provide valid contact details such as email and/or phone number

How reliable are lenders who offer loans online?

When it comes to providing an answer to this understandable concern, Clever Loans only works with FCA authorised and regulated lenders who can provide you with online loans. While the reliability of online loans across the UK may differ from lender to lender, for the 20 that we work with, each of them are subject to clearly defined regulations set out by the FCA.

The lenders we provide quotes for will consider various elements, including your:

  • Credit Rating
  • Credit History
  • Financial Wellbeing
  • Ability to Make Repayments

While having a list of standards for online loans may seem daunting at first, it is actually a sign that the lender you take on any borrowing from is a reputable one, fully regulated and authorised to ensure they honour the terms of any personal loans they agree to. It is also worth noting that here at Clever Loans we do not charge you any fee for making use of our service.

If you’re ready to explore your options with regards to online loans, it’s a simple process that you can begin by entering a few simple details here on our site, offering you an instant quote and the chance to make a decision that can help you find a suitable solution to your current financial circumstances.

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender.