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Representative Example: Loan Amount – £200 | Borrowed for 10 days | Interest: £9.89.
Total Repayment: £209.89 (Fixed) | Representative APR: 728.9% 
We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender. Cashcomet.co.uk Introduces customers to Monevo Ltd for the purposes of obtaining a loan. Cashcomet.co.uk does not provide any loan or consumer credit products directly.


Personal Loans

Moving Forward Starts Here

A personal loan can help you take control of your finances.

Personal Loans

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Why Choose Cash Comet

We offer more than just personal loans…

Loan Customisation

Choose a loan option that works best for you.

No late fees

What you see is what you get – no hidden or late fees.

Dedicated Customer Service

It’s our job to make sure your questions are answered.

Bank Loans: Finding the Best Loan Options in the UK

Bank loans, being the most common of the conventional loans that are being offered by many standard lending firms, have always been hard for borrowers to procure not only due to the often tumultuous processes involved in their applications — but also due to the impossibly hard to procure requirements normally necessitated by applications for such loan services.

Even in the past, loans have always been of utmost importance not only to individual borrowers but also to the businesses in the industry. And as the world found its populace rampantly grow in alarming rates, demands for loan services have consequently increased in similar rates. As the number of borrowers dependent on the loan industry continued to grow, so did the number of those unable to pay off their loans. In an effort to address these problems, traditional lending firms and institutions have decided to come up with a credit scoring system not only designed to significantly lower the number of borrowers whose accounts were delinquent, but also to easily segregate borrowers who will likely be capable of paying off their debts from those who are unlikely capable of paying them off at all. Through this credit scoring system, individuals with earnings far less than what the lending institutions have deemed sufficient were consequently given poor credit scores, while the borrowers who, for some reason, have repeatedly missed out on their payments had their records automatically reflect the same on their payment histories.

why choose bank loans

For the traditional lending firms and institutions, this credit scoring proved to be extremely helpful. But for the borrowers, this system proved to have extremely detrimental effects. Under this system, borrowers with poor credit scores and bad payment histories were automatically precluded from procuring any more additional loans from any of the standard lending institutions. As a consequence, borrowers who find themselves in emergency financial situations were often left with very few, often impractical and unreasonable alternatives. And since borrowing or asking for money from friends or members of the family isn’t always plausible, many borrowers were often left to resort to taking underground loans from lenders operating illegally. While this latter option does provide borrowers a form of temporary financial relief that they need, their profound long-term effects due to their excessively high interest rates often leave borrowers in even worse financial conditions than before they decided to procure such loans.

Getting Bank Loans for Borrowers with Bad Credit

As more and more borrowers with poor credit scores and bad payment histories fell into similar perpetuated financial predicaments, an entire new market composed of borrowers with bad credit was eventually created. And as demands for more affordable and more secure loan services continued to increase, measures to address these needs were soon taken by the lending industry.

With the help of the latest advancements in the field of technology and security, as well as the consequent evolution of the lending industry, innovative new financial services later on emerged in the market. Compared to bank loans, these innovative new loan solutions offer borrowers much more flexible, affordable, and cheaper alternatives. Unlike bank loans and other conventional loans, borrowers enjoy far more convenient and faster transactions with the innovative loan services. And while bank loans often entail applications that necessitate impossibly hard to procure requirements as well as low approval rates — with these innovative new loan solutions that are now easily available to borrowers in the market, securing loans in times of urgent financial crises is no longer a problem, even despite their bad credit.

How to Get Bank Loans and Instant Loans

Through the innovative new loan services brought about by the continuing evolution of the lending industry, as well as the latest advancements in technology and security, applications for bank loans and instant loans can now be accomplished entirely online. Because of this, borrowers of bank loans as well as instant loans for bad credit now have the option to apply for these loans from anywhere, anytime. With these innovative new financial services, borrowers can now submit all the necessary requirements for their applications completely over the internet, even those for bank loans as well as instant loans for bad credit. And because applications can now be completed over the internet, through these innovative loan services, borrowers can now expect for their applications to be processed as soon as they are submitted. Consequently, approvals for applications for these bank loans and instant loans are now much faster than ever before. With the help of the latest in technology and online security, borrowers may now expect for their applications’ approvals in just a few minutes after their applications were submitted. The release of funds for approved loan applications, on the other hand, can now be completed even on the same day that the applications were submitted. Through these latest innovations in the lending industry, borrowers now have safer and much more affordable alternatives in times of difficult financial crises, even despite their bad credit.

But because most of the innovative new loan solutions for bad credit are typically small loans to be paid over in short payment terms, borrowers in much more complicated financial situations are best off procuring secured loans as well as bank loans, which are payable in much longer payment terms.

Getting Bank Loans and Loans from Direct Lenders

A common misbelief among borrowers is that because borrowing from the lenders directly do not necessitate having to pay for loan brokers’ fees, it follows that this option allows them to save more money. What a lot of borrowers seem to be unaware of is the fact that because loan brokers have a network of connections to many various lenders across many various areas, it naturally follows that they also have access to the many various discounts and promotions that are being offered by these lenders across their many various services. Because of this, borrowers securing loans with the assistance of loan brokers actually enjoy much more savings and far more benefits in the long term.

choose bank loans today


10 Tips for Borrowing Personal Loans

Ask Questions.

If you have any questions or concerns regarding your personal loan, don’t hesitate to contact your lender’s customer service department. It’s their job to make sure there are no issues with your loan.

Make Your Payments On Time.

Most lenders charge late fees for missed or late payments. Try to make your payments on time to avoid any unexpected charges. If you know that you may miss an upcoming payment, contact your lender beforehand to come up with an alternative solution.

Repay Your Loan Early.

If your lender doesn’t charge an early repayment fee, consider paying off your loan early. Doing so could greatly reduce the interest accrued on your loan.

Don’t Borrow Too Many Loans.

By borrowing too many loans, you run the risk of falling behind on payments and acquiring many late or missed payment fees. Only borrow what you know you’ll be able to repay comfortably.

Read Your Contract.

Make sure you read and understand the contract before signing your loan agreement. Many of your loan’s rates and terms will be explained here in detail, so it’s an important document to review before proceeding.

Check Your Information.

Before submitting a loan application, review your information to make sure everything is accurate. This will accelerate the approval process and allow the lender to make the most accurate lending decision regarding your application.

Review Your Credit Rating.

Borrowers with good credit ratings will typically receive better rates than those with less-than-perfect credit. Your credit rating will also let lenders know if you’re a high- or low-risk borrower.

Read the Eligibility Requirements.

Not everyone is eligible to apply for a personal loan. Before spending too much time on an application, check the lender’s eligibility requirements first to see if you qualify.

Shop Around.

Make sure you shop around and compare APRs before applying for a personal loan. There are several price comparison websites available that can help you find a lender that you’re most comfortable with.

Find the Right Loan.

There are several types of personal loans you can apply for: secured, unsecured and guarantor loans. Visit our Personal Loans page to learn more about each loan type and which one best suits your needs.

Here You can see some Examples of Competitors

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£100 - £1,000
Loan term
1 - 6 Months
Good short term plans with great rates.
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£100 - £2,000
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1 - 6 Months
Excellent service and rates.
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5 most recent personal loan reviews

Review of Cash Lady

I was so surprise about service, it was quick simple and easy but not forgetting the friendly staffs. Each and everyone I spoken was so helpful and ready to go extra mile. Really good, Gooood job.

Review posted by Yusuf Abboud, Dorney

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

Review of Cashback Loans

I was very worried about taking out a loan having never done this before but the girl made it so easy. She was nice to talk to, everything was made clear and precise, no problems whatsoever. Providing you keep up the payments I would recommend this to anyone. They kept myself and the guarantor informed every step of the way. Would definitely use Cashback again. I can now build my credit score. Any problems I can ring up and you have a personal plan. Great experience.

Review posted by Claudette Osborne, Kettering

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

Review of Little Loans

Found myself looking for a guarantor car loan as I'm only 19 and so I didn't have any good credit against me to get a normal one. Not only was Little one of the lowest interest loans I found but they were really helpful and it only took 2 days from applying to getting the money in my account. Brilliant service, would definitely recommend.

Review posted by Alex Kidd, Hull

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

All our reviews are gathered from Trust Pilot to ensure authenticity.