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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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Small Loans in the UK: Finding the Best Loan Options

Although loans have been around since the history of time, the demands for loans and other loan services only continuously increased over the years. Due to the incessant popularity of loans, as well as the ever-increasing demands for these financial solutions, the subsequent increase in the numbers of borrowers with bad credit as well as the consequent increase in the number of accounts that have become delinquent have prompted traditional lending firms and institutions to initiate measures that would help contain what were then quickly escalating problems in the lending system. As a result, traditional lending firms and institutions were able to come up with a credit scoring system — which not only helped the lending firms significantly reduce the number of unpaid debts, but also easily segregate the different classes of the borrowers. With this credit scoring system in place, borrowers who the lending firms believed were likely capable of paying off their loans without any problems were easily segregated from those who they believe were likely to be incapable of paying off their loans at all.

Under this credit scoring system, individuals with income levels that the lending firms do not believe to be sufficient were automatically given poor credit scores, while the borrowers who repeatedly defaulted on their payments — regardless of their reasons — consequently had their records reflect their bad payment histories. But while this credit scoring system proved to be extremely helpful and advantageous to the lending institutions, their effects proved to be extremely detrimental and disadvantageous to the borrowers. Through this credit scoring system, borrowers with poor credit scores and bad payment histories were automatically disqualified and precluded from securing any more new or additional loans from any of the standard lending institutions. This has become especially problematic for the borrowers in times of urgent financial crises, where immediate financial action are required to address ongoing situations. Because of this, borrowers were often left to choose between very few and often impractical financial alternatives in times of critical financial crises. And since borrowing or asking for money from family and friends is not always possible, a lot of borrowers tended to resort to securing loans from the underground lending firms. And while underground loans do allow borrowers a level of temporary financial relief which they badly need, the consequent long-term repercussions associated with these loan services due to their exceedingly high interest rates often left borrowers in perpetuated financial predicaments.

why choose small loans

Getting Small Loans for Bad Credit

As the number of borrowers with bad credit consequently increased throughout the years, an entire new market comprised of borrowers with poor credit scores and bad payment histories was eventually created. And as demands for better, more secure, and far more affordable loan services continuously increased in this then-newly created market of borrowers with bad credit, lending firms have later on introduced innovative new loan services in the lending market. Through innovative new loan services such as small loans for bad credit, borrowers are finally given far better, more flexible, more affordable, and much more secure financial services, which they can easily avail of even despite their bad credit scores. Unlike application procedures for many of the conventional loans that are being offered by many of the traditional lending firms and institutions, applications for small loans for bad credit entail far less complicated procedures and much faster transactions. Through small loans for bad credit, borrowers need not have to submit impossibly hard to procure requirements, nor do they have to wait in long lines for long hours just to submit their applications.

How to Get Small Loans and Instant Loans for Bad Credit

Through the latest advancements in technology and online security, as well as the continuing evolution of the lending industry, innovative new loan services such as small loans and instant loans for bad credit are now here to offer borrowers so much more convenience. With small loans and instant loans, borrowers can now easily accomplish their loan applications completely over the internet. And since borrowers now have the option and convenience to submit their applications for small loans and instant loans easily over the internet, they can now choose to submit their applications and requirements online from anywhere, at any given time.

Because applications for small loans and instant loans for bad credit can now be done entirely over the internet, borrowers may now expect for their applications to be processed as soon as they are submitted. Consequently, approvals for these applications can now be accomplished in as little as just a few minutes after the applications were submitted. The release of funds for the borrowers’ approved loans, on the other hand, can now be expected even on the very same day that the applications were submitted. Because of these features, blacklisted loans and instant loans make great financial resolutions, most especially in times of urgent financial situations.

But because small loans and instant loans are only available in limited amounts that are typically to be paid over in short payment terms, borrowers with more complicated financial situations are best off getting secured loans which they can pay over in arrangements of much longer payment terms.

Getting Small Loans from Direct Lenders

For many borrowers, the common misconception is that borrowing from the lenders directly saves them more money because it does not necessitate having to pay for loan brokers’ fees. What many borrowers seemed to have lose sight of, however, is that because loan brokers have far-reaching and extensive connections to many various lenders across many varying areas, it follows that they have extensive access to all the many various discounts and promotions that are being offered by many various lenders across their many of their varying loan services. Because of this, borrowers who opt to secure loans through the help of loan brokers actually enjoy far more savings, privileges in the long term. And since loan brokers provide borrowers with expert financial advise, they are guaranteed to have the best loan alternatives in relation to their unique financial circumstances.

choose small 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

Loan amount
£100 - £1,000
Loan term
1 - 6 Months
Good short term plans with great rates.
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Loan amount
£100 - £2,000
Loan term
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.