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

Apply To Borrow from £100 to £25,000*

  • Apply For £ 50 - £ 1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit
  • PERSONAL Loans
  • SHORT TERM Loans
Representative example: £500 borrowed for 5 months. Total amount repayable is £999.85 in 5 monthly instalments of £198.37. interest charged is £491.85, Interest rate 236.1% pa (variable). Representative 481.6% APR.

What Are
Unsecured Loans?

If you don’t have any collateral for a loan, the best option you have is an unsecured loan. Going for an unsecured loan requires no collateral to be approved. However, interest rates are slightly higher than secured loans. Typical unsecured loans are credit cards, student loans, payday loans, and more. Lenders don’t need to do a credit check but interest rates may depend on your credit standing.

Secure Process

The platform is highly secured and protected. You don’t have to worry about the information you provide. The information provided online passes along a secured channel that ensures data integrity and prevents it from being compromised. It is guaranteed safe and secured.

Paid Into Your Account

The payment goes directly to your account fast and without hassle. In just a few minutes, you’ll get the funds that you need when you need it. You don’t have to visit banks while waiting for hours just to get an approval. It is the most convenient way to borrow funds in case of emergencies.

Credit Problems*

Your credit won't be a hindrance when applying with us. The lender doesn’t do credit checks. It is available to everyone regardless of their credit levels. So if you're hesitant about applying for a loan, don't be. Even with poor or bad credit, you can still borrow the funds you need whenever you need it.



Having no collateral to provide, you are still eligible to apply for an unsecured loan. However, in most cases, borrowers with poor credit history tend to have higher interest rates. The repayment terms can also get a little difficult for them. Still, this is the best option available especially during emergency cases. Unsecured loans are available to borrowers even without any collateral as a security deposit.



Examples of unsecured loans are student loans, credit cards, payday loans, signature loans, small business loans, peer to peer loans, and more. Lending companies cannot seize a borrower’s asset if they even fail to make a payment or miss several payments. However, lenders may take you to court in an event where you can’t fulfill the terms of the loan. Failure to meet the terms could severely affect your credit and may prevent better credit opportunities in the future.

Benefits of Getting A Quick Loan

There’s a saying “It never rains but pours” which means when something bad happens, it’s usually accompanied with more bad luck. An example would be, you’re running late for work, and you spill coffee on your shirt. Or you’re late for a date and you left your wallet at home.

It usually is the same when it comes to finances, when something goes wrong, everything goes wrong. Which means that you’re going to be needing money. Although limited, having a bad credit won’t stop you from getting loans.

Short-Term Cash Advance Loan.

When in need of quick cash, the most common type of loan that you’ll come across to is the short-term cash advance loan. These type of loans usually have a quick payment terms, as short as 6 months, and only offer small quantities, being $2,500 and below. A short-term loan is often repaid in a single payment, that includes the principal amount, and any applicable fees and interest.

One advantage of a short-term cash advance loan is that as soon as you’ve submitted your application, it takes only a few minutes for the decision, and receive your cash as early as the next day.

But just as any other loan, before taking out a short-term cash advance loan, make sure that you are capable of paying what you borrowed including the fees. Although you are allowed to extend your loan, it will incur you more fees.

Installment Loans

If you’re in need of a bigger amount, then try an installment loan. Installment loans can have a payment term of at least up to 72 months, giving you the option of borrowing larger amounts.

Although getting this on a traditional bank isn’t advised as approval rates are low if you have a bad credit and it may take them a few days to reach on a conclusion on whether to approve you or not. Best lenders for this kind of loans are online lenders, but be sure to conduct your research before doing so.

Home Loans

There are different situations where a home loan is needed, be it for repairs, finance your loan, or whatever it is. Typically responds in a few minutes whether you get approved or not, a home loan is a very viable way of getting a quick loan.

What We Can Get with Fast and Easy Loans

Qualifying for a standard loan can be a struggle when you do not have a regular job or if you are currently not employed most high street banks and mainstream lenders are just going to flat-out reject your loan request. After all, they want assurance that they will get paid back and you not having a job can be a risk they wouldn’t want to take.

Specialist lenders

You’ll be delighted to know though that these days, there are specialist lenders who may be willing to look beyond your current employment status and will still allow you to take some money out. However, since the best loan terms and deals are usually reserved for those with the most deal financial standing, you can expect that in your current state, you will have to deal with higher interest rates and loan fees.

Improving your credit

If you can, it is always best to work on improving your credit score first if you’re trying to get approved for a loan and you’re unemployed. Lenders will see you in a more favourable light when they find that you have been consciously working on keeping your credit history spotless. However, this takes time and if your need for cash is an urgent one, you’re likely not going to have the luxury to wait until your credit improves.

Loans for the Unemployed

Getting a personal loan even when you are unemployed is possible. However, since it is unsecured, expect that the interest rate is going to be very high. If you do not have any asset to present to the lenders though, this would be a quick way of getting the cash you need.

You can get a secured loan as well, if you have some valuable assets that can possibly be used to secure the loan. This usually allows you to borrow more and get better loan terms too. Just make sure to pay the loan back or you’re bound to lose the collateral if you default.