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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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Our customers rave about On Stride Financial. We’re just happy to help.

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.

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

Consolidation Loans in the UK: Finding the Best Loan Options

While loans have been around for more or less a thousand years, the demands for them just continue to increase throughout the recent years. And because of this incessant increase, traditional lending firms have continually made adjustments to address the borrowers’ loan services needs. But as the number of borrowers continued to increase, so did the number of those with unpaid debts — and as traditional lending firms have made efforts to address what was, even then, a persistent problem, a credit scoring system was later on devised especially towards this end.

With the credit scoring system that the traditional lending institutions such as banks and other lending firms had in place, borrowers whom they deemed financially capable were easily segregated from those whom they believe may not be, at all. Under this system, individuals with income levels that do not meet what the lending firms have decided as the minimum were automatically given poor credit scores, while borrowers who may have had missed out on their payments consequently had their records reflect their bad payment histories. Through this same system, lending firms and other similar institutions easily segregated borrowers whom they believed to be very much able to pay off their loans, from those whom the lending firms deemed to be incapable of even paying them at all. And although this credit scoring system proved to be completely useful to the lending institutions, it proved to be extremely disadvantageous to the borrowers. Because this credit scoring system automatically precludes borrowers with poor credit scores and bad payment histories from borrowing any more money from any of the standard lending firms, it left borrowers with very little and often unpleasant, unacceptable, or impractical alternatives in times of difficult financial crises.

Because borrowers with bad credit were mostly only left to choose between asking for or borrowing money from their friends and family, selling their properties, or taking loans from lenders operating illegally, many of them were often left in infinite financial predicaments. Since borrowing or asking for money from friends and family is not always easy, many borrowers often resorted to taking underground loans from lenders operating illegally. And although the latter option does give borrowers the temporary financial relief that they often badly need, the excessively high interest rates often associated with these services often leave borrowers in much worse financial crises.

why choose consolidation loans

Getting Consolidation Loans for Bad Credit

But as more and more borrowers with poor credit scores and bad payment histories later on find themselves in similar perpetuated financial predicaments, the sheer number of individuals struggling with the same financial predicament has paved the way for an entire new market comprised solely of borrowers with bad credit. And as demands for better, more affordable, more flexible, and much more secure loan options continued to rise, lending firms have later on came with innovative new lending solutions.

Through innovative new loan services such as consolidation loans for bad credit, borrowers now finally have more flexible, much more affordable, and definitely far more secure loan alternatives especially in times of urgent financial crises. With consolidation loans and other innovative new loan services, borrowers no longer have to endure perpetuated difficult financial circumstances due to extremely high interest rates. And unlike applications for most of the conventional loans available in many traditional lending institutions, the application procedures involved in innovative loan solutions such as consolidation loans do not involve having to wait in long lines for long hours just to submit loan applications, nor do they entail even more waiting when it comes to the approval as well as release of approved loans’ funds.

How to Get Consolidation Loans and Instant Loans

With the continuing evolution of the lending industry, as well as the latest developments in technology and online security, borrowers of innovative new loan services such as consolidation loans and instant loans now get to enjoy far more convenience. Through consolidation loans and instant loans, borrowers can now easily accomplish their loan applications right straight from the comfort of their own homes. Because everything can now be completed entirely online, borrowers now finally have the option to submit their applications for consolidation loans and instant loans from anywhere, at anytime.

Through consolidation loans, instant loans, as well as other innovative new loan solutions, borrowers need not have to submit impossibly hard to procure requirements — and since everything can now be accomplished online, borrowers can now simply submit their requirements over the internet. With consolidation loans and instant loans, borrowers may now expect for their applications to be processed as soon as they are submitted. Approvals for these loan applications, on the other hand, can now be accomplished in just a few minutes after the applications were submitted. Consequently, the release of funds for the borrowers’ approved loans can now be completed even on the same day that the loan applications were submitted.

Due to these highly convenient features of consolidation loans and instant loans, they often make really good options in times of urgent financial situations. But because these loan solutions are typically small loans that are arranged for borrowers to pay over in much shorter terms, they do not make great resolutions in more complicated financial situations that may require loans in higher amounts and much longer payment terms.

Getting Consolidation Loans from Direct Lenders

For a lot of both experienced and inexperienced borrowers, the common misconception is that because procuring loans from the lenders directly do not entail having to pay for loan brokers’ fees, it allows them to save more money. What they fail to see, however, is that because loan brokers have extensive connections to different lenders across different areas, it also follows that they have extensive access to all the different discounts and promotions being offered by these lenders across their different lending services. Consequently, borrowers who opt to secure loans with the help of loan brokers’ services actually enjoy far more savings and much more benefits in the long term. And since loan brokers render expert financial advice to their clients, borrowers are assured the best loan alternatives according to their unique financial circumstances.

why choose consolidation loans

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
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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.