Simple way to Borrow up to £5000 today

£100 – £5,000 paid out by 14:32 Today

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We Don't Perform a Credit Check

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable)

Fast Short Term Loans

1, Can I Get an Emergency Loan Online?

Emergency Loans for when life does not run smoothly. Just when you think you are coasting along nicely some unwanted expense decides to drop onto your lap. These sudden demands on your finances can mean you require funding. When you need an emergency loan you don’t want to waste your valuable time searching for hours on end looking for the best direct lenders.

When you apply for an emergency loan via Liquid Loans you need to fill in a single loan application form which we will then connect to a panel of direct lenders who will consider your emergency loan request.

Before you apply for an emergency loan you will want to take into consideration the following factors:

What emergency loan amount do I need? Do you have a specific amount in mind before you apply for your loan? Don’t be tempted to borrow more than you really need. Only borrow the amount which will cover the cost of the expense you need to cover.

How quickly do I need the money? As the name suggests, these types of loans are designed for people who need money now to sort out an emergency expense which cannot wait until you are paid again.

Can I afford the monthly repayments? When you are in a financial bind you might feel under pressure to take out a loan without calculating your monthly repayments and if you can afford them without causing yourself any problems.

When you have considered the above three points regarding applying for an emergency loan just click on the apply button, fill in the simple form with your details and then submit it. We will connect your request to a panel of direct lenders.

Cash When Need it

You can apply for a Loan anytime of Day 24/7 and 365 days are year.

Fast Application Process

Application process takes only a few moments with a response in minutes

Spend As You Need

You decide what you want to spend your loan on. You are free to choose.

Quick Cash Deposits

Cash deposited into your bank account in as little as 30 mins*

2. Why should I Consider Emergency Loans?

These types of loans were created to offer people a means to access the funds they require fast instead of having to apply through a long-winded process at the local bank or use other traditional forms of credit such as credit cards or overdrafts. Applying for a bank loan can take days to be approved and overdrafts could work out more expensive than an emergency loan.

There are a few funding options available to you other than emergency loans and we recommend that you consider all your options before accepting an emergency loan. Although please bear in mind that you can apply for an emergency loan with no obligation. When you receive a loan offer from a direct lender you can determine if you like the deal if not you can turn the loan offer down without any problems or ill effects to your credit score. Here are some reasons why you should consider an emergency loan:

Bills cannot wait until payday: Sometimes payday just does not come around fast enough. When those bills need paying urgently then when all other funding options are not available then an emergency loan might just be the thing.

Reached your credit card limit: Using your credit card to settle garage repair bills and the like is what some people do. If you have reached the credit limit of your credit card, then taking out an emergency loan is an option.

Don’t want to use your savings: Cash flow is important for most families. Managing the monthly budget can be tricky when having to look after so many expenses. Utility bills, council tax, school uniforms, weekly shop all put a strain on the finances. When we have a little put away for a rainy day, we begrudge having to dip into it for some bill and such like.

Taking out an emergency loan will allow you to manage your cash flow and keep hold of your savings.

3. What Can I spend my loan on?

Ultimately you decide how you wish to use the emergency loan. Although emergency loans by their very name should only be used for those times in life when you need a little bit of extra cash to help you cover unexpected expenses. Always bear in mind that these short-term loans carry a higher rate of interest than traditional loans like personal loans or car loans. Here is a list of what most people tend to use their emergency loans for.

Car Maintenance: Cars cost money to keep them on the road and running properly. Sometimes things will break and need to be repaired quickly or you might not be able to get to work in the morning.

Time off Work: If you have to take time off of work you may not have that regular income each month from work to cover various expenses. As much as we make huge efforts to save money each money we cannot account for unexpected bills from the taxman, fines or repair bills.

Household Bills: Like cars, houses also need to be maintained and if you ignore the maintenance the job will only get bigger and more expensive over time. Getting household maintenance jobs carried out sooner rather than later will save you money in the long run. If you need to get the job done quickly but do not have the funds immediately you could apply for an emergency loan to get the house fixed up.

Appliances need Attention: Household appliances like cars and property need maintenance and sometimes out right replacement. Getting a new fridge, washing machine etc when your credit is not the best can mean that an emergency loan is something you could consider getting the new appliance in and working.

Unexpected Travel: If you need to go for a job interview or make a sudden and unplanned journey having the money there when you need it is great. If you are coming up to the end of the month and the finances are looking a little worse for wear getting to your job interview might need the assistance of a small emergency loan.

Emergency loans are designed to help people get the funding they need to address those unexpected expenses which happen to crop up once in a while. It is highly recommended that these types of loans are used purely for short-term financial arrangements and not for long term borrowing as they are in relation to personal loans and other traditional forms of credit more expensive.3. 

4. What’s so good about emergency loans?

These types of loans provided by direct lenders in the UK are designed for people who need access to money fast without having to go to the local bank to fill in lengthy application forms and then wait for days on end for approval for a loan which may be relatively small in comparison to the loan amounts usually taken out for personal loans or car loan. Banks do not focus on small loans of £300 or £500 loans. Here are some benefits to emergency loans:

Fast and Easy: Applying for a small emergency loan on-line is a straightforward affair. There is only a single application form to fill in and we do not require you to send in any paperwork. The whole application process is carried out on-line from the comfort of your home.

High Approval Rates: The direct lenders which we connect your application to deal with thousands of applications each day from people with various circumstances such as bad credit and low income to good credit and high income. These direct lenders have many years’ experience in handling applications from a wide range of borrowers in the UK. Lenders will look at more than your current credit score to determine your suitability for a loan. They look at your current personal circumstances too so that they may grant more loan requests.

Quick Lender Matching: Rather than having to spend hours looking for the right lender let us do all the hard work for you. Once you fill in and submit the application form, we will connect it to a range of direct lenders who will each examine your request for a loan. Our service could say you hours of searching on-line.

Quick Loan Decisions: Direct lenders understand that when you need to sort out that urgent bill that time is critical, and you don’t want to have to wait around for a decision on your loan request or loan deposit time. Our application form has been designed to be easy to fill in meaning you’ll get the decision for your emergency loan faster.

Quick Deposit Speeds: Once you accept the loan offer you may find that the emergency loan deposited into your bank account in as little as 15 mins†. Sometimes it can take a little longer.

5. Why should I use Liquid Loans?

Liquid Loans provides a fast and simple service to allow you to apply for an emergency loan and connect to dozens of direct lenders in one go. Rather than having to visit multiple lender website where you must fill in individual applications. With Liquid Loans you only need to fill in a single form and we will connect it to a wide panel of direct lenders who will in turn decide whether they are the best match for your loan requirements.

Once you submit the application form for your emergency loan to getting a loan offer could be a matter of minutes. If you decide to accept the loan offer from the lender you may find the money deposited into your bank account very quickly sometimes in as little as 30 minutes† after accepting the loan offer. The deposit speed is dependant on the direct lender, your bank deposit policies, time of day you make your loan request and day of the week too also all play a role in how quickly the funds will make it into your bank account.Liquid Lo

6. Which best emergency loan is suitable for me?

Everyone has different circumstances; each applicant will have varying credit scores and credit history. You look for a loan you must decide how much money you need at that moment to sort out your finances, how long you want the repayment period to be and how much you can afford to repay each month.

7. Is applying for a payday loan via your site safe?

Liquid Loans website uses the latest in encryption technology. The same algorithms used by the big internet sites. All your data is encrypted from your browser to our website. We do not hold any of your personal details on any of our local systems. So, in the unlikely event of a security breach of our systems there will be nothing there for anyone to see or take. Liquid Loans is registered with the Information Commissioner Office which regulate how companies handle your data.

8. What is the best emergency loan interest rate?

Each direct lender will have their own criteria regarding interest rates. The interest rate which you will be offered is based on the details you provide on your application form along with your current personal circumstances, credit score and credit history. Many factors go towards determining the interest rate you will be offered by the direct lender. No two lenders are the same in terms of the methods they use to calculate the interest rates.

If you are concerned about your credit rating one way to address these concerns is to start actively improving your credit score so that you have a better chance of being offered credit on better terms.

One piece of good news is that back in 2014 the FCA put a cap on the amount of interest which a lender could charge for their emergency loans to just 0.8% per day.

9. Do I need a credit check to apply for a loan?

Any time you apply for credit in this case an emergency loan then you can expect a credit check to be performed so that the direct lender is comfortable with lending to you. All direct lenders are required by law to perform credit checks therefore be wary of any lender who promises you a no credit check loan. There are two types of credit checks which the direct lender will perform:

Soft credit check: This occurs when you first submit your loan application and does not leave any footprint on your credit report. This type of credit check is performed by the direct lender to see if in principle they could grant you a loan offer.

Hard credit check: These credit checks are performed by the direct lender only when you accept their loan offer. These types of credit checks will leave a footprint on your credit report. You want to minimise the number of credit checks carried out in a short period of time. Lenders are wary of numerous credit checks as it might be a sign that you rely too heavily on finance to get by.

Many people are worried about their bad credit preventing them from getting a loan. Applying for a loan via Liquid Loans is free and carries no obligation. The direct lenders to whom we connect your application to have years of experience in handling bad credit loan applications.

10. Why do you ask for my bank details?

Your bank details are required during the application process for two major reasons. The first being so that the direct lender can identify you correctly to prevent money laundering by ensuring that every application is from a legitimate resident of the UK. The second major reason is so that the lender has the details they require to deposit the funds into your bank account. Liquid Loans will never have visibility of your bank details. So, you can rest assured that in the unlikely event of a systems breach that your personal data is still safe.

11. Can I apply for an instant payday loan with very bad credit?

This is quite a common question for people to ask. Yes, is the simple answer, you can still apply for an emergency loan even if you have bad credit. There are thousands of people in the UK who do not have the best of credit scores who need access to emergency funds. Therefore, direct lenders have ensured that they are geared to work with applications from people with bad credit. Once you receive a loan offer you can decide if you wish to process or not.

How do I apply for a bad credit payday loan?

To apply for an instant loan is quite easy, gather your bank details together and provided you meet the basic criteria below you can start the application process:

  • • 18 years old
    • UK resident
    • Hold a UK bank account.
    • Employed with a regular salary (so you can repay the money that you borrow).
    • Bank details to hand

An instant payday loan is normally paid back after your next payday cheque arrives in your bank account – normally 30 days from the date that you borrowed the money.

When you have completed all the details on the application form click on the “Apply” button and wait a few minutes and you will get a response from one of our direct lenders once we have found a suitable match for you, they will send you a loan proposal which at that point you can decide if you wish to proceed with the instant payday loan offer, if you do accept then just apply and the money will be sent your bank account within hours, always remember that you can apply with no obligation even if you have bad credit as many direct lenders support payday loans bad credit.

Our direct lenders are fully aware that their customers are applying for payday loans due to a financial emergency based on that they expect to receive their funds quickly therefore when you apply for a payday loan online our lenders will do their utmost to make that happen.

12. I am finding handing my debts difficult, what should I do?

If you find yourself in difficulties and are unable to make your repayments, we strongly advise that you contact your creditor immediately, we also recommend that you speak to the companies listed below.