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Our Variety of Loan Options
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.
- 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.
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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Representative Example: Borrowing £3,000 over 2 years at an interest rate of 59.9% p.a. (fixed), you will repay 24 monthly payments of £217.22 per month. Interest payable £2,213.28. Total amount payable £5,213.28. Representative 79.4% APR. Rates from 24.2% to 299.9% max APR.
All You Need To Know About Cash Loans
Cash loans are normally unsecured loans, meaning they are not secured by any asset such as your property, vehicle or other valuable assets. When you apply for a cash loan of a certain amount, the lender will assess your application and decides whether to lend you or not. If your application is approved, you may pay it back in instalments or as one lump sum. Just like any other type of loan, you’ll replay the amount including the interest and any fees that the lender charges.
These types of loans are designed to help you through a difficult time. Cash loans are typically short-term and can be used for a variety of unexpected expenses such as emergency car trouble or home repair. This loan would be a viable option for you if you are temporarily short on cash. Expensive periods of the year like Christmas, bills piling up, an unplanned trip, or an unexpected event that requires financial assistance, are all common reasons customers seek cash loans.
Some cash loan providers may offer a fixed loan amount that you might not actually need. The repayment date may also be fixed by the lender, which is usually your payday. In some cases, repayment of the loan is by visiting a branch or transferring money online. Getting a cash loan is easy, but it’s one the most expensive form of credit because of the high interest and other fees involved.
Most lenders require that you have a checking account because this makes it easier to check your credentials. However, you can find some lenders that offer cash loans to customers without bank accounts. Some cash loan providers will consider you for a loan even if you’re unemployed, as long as you’re receiving some sort of income, such as government benefits or income from a pension.
How To Get Instant Cash Loans
There are emergency unplanned expenses that would urge you seek for quick cash loans. If you need cash for necessary expenses but have nowhere to turn, you’d be surprised to find many online lenders offer instant cash loans. These credit companies offer cash loans of up to £2,000 to approved customers.
These lenders provide online application 24/7, so you can apply for cash loans day or night. Your application will be reviewed in just a few minutes. Once the application process is done, loan decision will provide almost instantly. If approved, cash will be sent to your bank account within 10 minutes after approval. There’s no need to leave the house or wait in queues because you can apply from the comfort and privacy of your home.
These instant cash loans have simplified repayment options, making it easy for you to stay on top of paying back your loan. You can pay for your home or mobile device. You may also have your funds deducted from your debit card on your specific due date each month at no extra cost to you. If you would prefer scheduled payments straight from your bank account, that is also available to you.
Cash Loans in the UK
Cash loans originated in the United Kingdom where payday lending has grown significantly over the recent years. Cash loan lenders in the UK offer small loans of £200 to £2,000 over a short term period of one to twelve months. They are intended for unexpected expenses that suddenly come up. Cash loans can be repaid quickly. You may use direct debit repayments that coincide with your payday.
This is why cash loans are sometimes called payday loans because they deducted from your bank account on your payday. According to the survey, loans are being successfully repaid when the repayments coincide with the borrower’s payday. It also helps you avoid the hassle of budgeting, or setting reminders for when the repayment is due.
While cash loans in the UK are so quick and easy to get, it is imperative that you take time to compare cash loans. Consider the interest rate because, with cash loans, they are generally high. However, some lenders will charge less interest than others to remain competitive. Be sure to compare this when you’re looking for a loan.
Another thing to look into is the loan term. Payday cash loan terms vary between two weeks to one month, but it could be more or less depending on the lender. The amount you will be able to borrow depends on your current circumstance and the lender you apply with. Look for a lender who matches your financial needs.
Processing time is also an important factor. Banks, private lenders, online lenders, and credit unions have different processing time. If you want to get your hands on money as quickly as possible, look for instant cash lenders online.
Are Cash Loans with No Guarantor Best?
A registered credit provider will do a credit check to assess the risk before issuing a loan. Ensure that you are advised of the interest rate, the loan term, any extra fees, and monthly repayment rate. Interest rates are usually high if your loan is not secured or guaranteed by an asset or a third party called guarantor.
Sometimes, your family and friends are not eligible to sign as guarantor or are not willing to take on an extra risk in critical financial times. In these circumstances, a no guarantor loan is a good option for you to consider. When taking a no guarantor loan, you must make sure you can still deal with emergencies and be able to repay the loan to avoid added interest or penalties.
Majority of the loan providers that offer no guarantor loans have websites that offer quick and easy application. The process is generally quicker and less complicated since there is no third party that needs to sign documents. The process can be done at your convenience without having to consider the availability of another person.
Looking for a guarantor or other form of security can take a while. Sometimes, time is of the essence, especially in an emergency situation. This type of loan would be the best option as it requires less hassle and is generally a quicker option.
Is It Easier To Get Cash Loans with a Guarantor?
Guarantor loans are a great way to borrow money if you have a poor credit history. If you opt for a guarantor loan, someone is required to co-sign the loan with you as a pledge to take responsibility in case you default. This person is called a guarantor.
By co-signing the loan, the guarantor agrees that if you are unable to repay the loan, the guarantor will repay on your behalf. This gives the lender some financial peace of mind and less risky for them because they are assured that the loan will be repaid.
By taking out a guarantor loan, this allows people with poor or bad credit to get the funds they need without paying very high interest rates. Using a guarantor loan can help avoid getting a bad credit loan, which is generally expensive because you are relying on someone else’s credit score.
Anyone can be your guarantor, as long as they have a good credit history and have a stable income. Any close family member or friend can be your guarantor. Spouses are not usually allowed to be guarantors, but there are some exceptions.
Guarantors need to have a good credit history, financially stable or must be a homeowner so that the lender knows they can trust him or her. The lender needs to be reassured that if the borrower is unable to pay, the guarantor will cover their financial repayments. However, in some cases where the guarantor cannot pay the loan as well, legal actions will be taken by the lender.
Using this method, not only will the borrower get the money they need, but also repair their credit history at the same time. By paying their repayments on time, they can rebuild their credit score and make it better. Eventually, this will allow the borrower to have a wider choice of finance options available to them, later in life.
Bad Credit Cash Loans
Bad credit can make it difficult for anyone to take out a loan, but there are still options available. If you need extra money, yet your credit score is not so impressive, you’ll still find loan options for your financial need.
You have two options if you opt for a bad credit cash loan. You can do an in-store pick up of your funds of where you will be given cash shortly after being approved, or you can have the funds deposited in your bank account and withdraw it in the form of cash.
The application process and the amount you can borrow depend on the type of bad credit cash loan you apply for. It may be a payday loan, instalment loan or personal cash loan.
Payday loans are designed to be repaid by your next salary. You can borrow a smaller amount than you could with other types of loans, but they come with high costs and are illegal in regions. There are many lenders who will consider you despite your poor credit history. If you opt for a payday loan, you’ll have to repay it the soonest. Sometimes you have to pay it in as little as seven days.
Similar to payday loans, instalment loans are often costly, but they have the added benefit of letting you pay in small amounts over months instead of paying it in one lump sum at once. Even if you have bad credit, you’ll find many lenders will consider you. This is a good option for people who need money and can’t handle the short term of a payday loan.
Personal loans are difficult to obtain if you have bad credit. However, personal cash loans offer the best terms as far as repayment schedules. The interest rate on these loans is not as high as with payday or instalment loans, but you must borrow more money at once to receive financing.
With these loan types, it’s important to remember that you need to budget for the payments. Lenders will charge you high interest rates because it is quick cash. If you think you may have trouble repaying the loan, it’s best not to get one. Lenders consider borrowers with bad credit as high risk, which is why they charge more interest and fees to protect themselves in case of defaults.
Bad credit is understandable. You can apply if you have less-than-perfect credit. What’s important is that you are able to prove you have the ability to repay the loan.
Is A Direct Lender Cash Loan Better?
Cash loans are small, unsecured loans that are typically used to cover emergency expenses until the borrower’s next payday. When choosing a cash loan, it’s important to turn to a lender that is trustworthy.
It is easy to find lenders online because the majority of them have websites where you can inquire and apply for a loan. When you search for lenders online, you may also find brokers. They are not lenders but are middlemen instead.
If you choose to process a loan application with a broker, you will have to wait for a little while for a response. They will ask for your personal information and send them over to different lenders. Then lenders will contact you or provide you with an option.
If you opt for a direct lender, on the other hand, you will be dealing with one company only from beginning to end. Direct lenders will provide you with feedback right after they assess your loan application.
Each lender has its own terms, fees, and application methods. If you need to apply for a loan, make sure you research which type of cash loan that is best for you. You should always think carefully before committing to any form of credit.
Taking out a loan is a personal decision. It is important to budget well and makes sure that you can pay back the loan amount over the agreed time period. Lenders may charge higher interest over the period of the loan, so choosing a smaller value or a shorter time period to repay the loan can be a wise move if you want to make a difference on your monthly repayments.
Ensure that you choose a well-established, registered company when applying for a cash loan. Look for a lender that offers transparency and no hidden fees. It would also be great if the lender has consultants available to discuss any issues or questions you may have. There are some disreputable lenders offering cash loans, so make sure you apply through one you’re able to contact and you’ve ensured is reputable.
5 most recent personal loan reviews
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
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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
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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
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