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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.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances. You can choose a repayment period from 3-18 months when make your application.

Our Variety of Loan Options

There are many kinds of loans to choose from and it can be very hard to know which one will suit you best.

Don’t worry though, we have a dedicated team of experts on hand all day every day so if you do apply toward the wrong kind of finance or we think something will suit your needs better then we will let you know right away.

We are completely dedicated to making sure that you get the right plan to fulfil you needs.

As mentioned the list of loans is quite a long long, but we have tried to group them up to make the decision process a lot smoother and easier on you. Here are some of the categories:

  • Personal Loans

Theses are like payday loans and are nearly always unsecured.

  • Term Loans

Stretching over a specific period of time, these are often mixed with other kinds.

  • Debt Consolidation

Designed for those that owe several different companies different amounts. You will be able to better control your finances.

  • Logbook Loan

Usually for getting a vehicle but sometimes just using an existing vehicle as collateral.

  • Guarantor Loans

For those that have a friend or family member able to back them up if they have trouble paying the instalments.

  • Bad Credit or No Credit Check Loans

Made for those with bad credit history, even those that have been blacklisted can apply for this variety.

  • Direct Lenders

This means that you are getting the money direct from the one lending it, cutting out the usual middlemen.

  • Fast, Quick or Same Day Loans

Meant to be the quickest form of finance for those that are in a rush to get the money they are applying for.



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% (variable)

Loanload is a credit broker and not a lender. We pass your information to a lender once you have been accepted for a plan. We take a fee from the lender only, once you’re approved and we do not add charges to your plan in doing so.

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

Loanload.co.uk is a registered trading style of Serpable Ltd, which is an Introducer Appointed Representative of Quint Group Limited and is entered on the financial services register under the reference number 780328. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Serpable Ltd is registered in England and Wales (Company number: 10699069), Registered Office, 17 Collingbourne Avenue, Bournemouth, Dorset. BH6 5QR.

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Loan amount
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Reasons to Choose Christmas Loans for People on Benefits

There’s nothing more complicated that to run out of cash especially when you are actually in dire need of cash. There are actually ways such as applying for a loan that could help make your life easier. Good thing there are now loans such as the Christmas loans for people on benefits which you can easily obtain. However, there are certain things you need to know regarding Christmas loans for people on benefits especially if this is your first time to apply for such kind of loan. Through this loan, you will surely end your cash problems and even get to have extra cash on hand.

Cash on Hand for You

I know how distressing it is to run out of cash especially when you still have tonnes of bills which you need to pay the following week. If you are relying on your monthly paycheck alone then this could be a nightmare. But with the help of Christmas loans for people on benefits, you will surely be bale to get the cash upon your application. You will no longer need to borrow cash from a relative.

Just make sure that you find the best Christmas loans for people on benefits lender that will help make the application less demanding.
If you are tired of those unpaid bills then choosing Christmas loans for people on benefits will be your best bet ever. It will surely provide you cash assistance without those complex requirements.

You will no longer need to go to the bank and fall in long lines. With Christmas loans for people on benefits you only need to go online. You will find the form at the lender’s site and from there you will be able to answer it with your basic details. Once you are done with it don’t forget those other basic requirements such as your ID card with social security number, email address, residential number and a copy of your latest bank account. It is important that you are 18 years old and above in order to qualify for this loan and you must also have a job.

Anyone Can Apply

With Christmas loans for people on benefits you no longer need to worry about having no credit line. People who also have a bad credit line and blacklisted are welcome to apply for this loan and get approval. The only catch here is that you must be employed to be able to pay the loan on time.

Though the Christmas loans for people on benefits may be easy to acquire, expect it to have a high-interest rate. So as to avoid further issues, in the long run, make sure that you pay the lender on time. If you are unsure about their offered repayment plan, see to it that you discuss it with your chosen lender. Make sure to fully understand their repayment plan so as to fully gain its benefits. You will surely be able to gain its benefits if you will find and trust the best Christmas loans for people on benefits lender online.

5 most recent personal loan reviews

Review of Loans Warehouse

They really helped me when I needed it most. Wanted quick cash to pay for a one-off purchase and had an issue with my address for credit. Without Warehouse to help, I do not know how I would have gotten by till the next pay day. I am truly grateful to them.

Review posted by Oluwaseun Ahuja, Hereford

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

Review of Portman Finance

Excellent customer service from the team. Quick pay out. Would recommend 100%. Keep up the good work. Always keeping you up to date about the process of the loan.

Review posted by Tanashia MacRae

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

Review of North London Credit Union

Was really happy how you dealt with the loan really fast. Couldn't fault your staff they were really helpful and friendly. Would recommend u to anyone. Don't normally write reviews but thought your staff desired a thank u for all there help. Highly recommended guys x 👍

Review posted by Lynn Fenlon, Hull

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews are sourced from TrustPilot.com to guarantee authenticity.