Instant Loans
Decision in Seconds. Funds Same Day
Rates from 48.1% APR to 1721% APR. The minimum Loan Term is 3 months. The maximum Loan Term is 36 months.
Representative Example: £1,000 borrowed for 18 months. Repayment of £89.22. The total amount repayable is £1,605.96. Interest amounts to £605.96, at an annual interest rate of 59.97% (fixed). Representative APR: 79.5% (variable)
*Same day payout is subject to lender approval and bank processing times. Not all applicants will receive funds the same day.
One simple search. 30+ FCA-regulated lenders. Instant decision on your loan, and same day payout possible.*
Get an instant loan decision without the wait
| Loan Wallet | Applying Direct | |
|---|---|---|
| Decision time | ✓ Instant | Hours or days |
| Lenders compared | ✓ 30+ at once | One at a time |
| Credit score impact | ✓ No impact to check | Multiple hard searches |
| Application time | ✓ Under 2 minutes | Lengthy forms each time |
| Cost to compare | ✓ Free | Wasted time and effort |
Three quick steps to your instant loan
Apply in 2 minutes
Choose your loan amount and share a few details. It's fast, simple, and takes just 2 minutes.
Get an instant decision
Your application is matched against 30+ FCA-regulated lenders in seconds. No waiting, no delays.
Same day payout
If approved, funds can land in your account the same day. Speed when you need it most.*
Why thousands choose Loan Wallet for instant loans
Instant decision in seconds
No waiting around for emails or callbacks. Submit your details and get matched with lenders instantly.
One search, 30+ lenders
Instead of applying to each lender individually and waiting for responses, we compare them all at once.
FCA regulated
We are authorised and regulated by the Financial Conduct Authority (FRN: 1036139). Every lender on our panel is FCA-regulated too.
Same day payout available
When you need money fast, timing matters. If approved, funds can reach your account the same day.*
All credit histories welcome
Our lenders consider a range of circumstances. Past credit issues don't automatically disqualify you from an instant decision.
Apply from anywhere
Apply from your phone in under 2 minutes. No paperwork, no branch visits. Get an instant decision on the go.
What you should know before applying for an instant loan
We're a broker, not a lender
Loan Wallet is a credit broker authorised and regulated by the FCA (FRN: 1036139). We match you with lenders from our panel. We don't make lending decisions or set interest rates. Any loan offer comes directly from the lender, and you're under no obligation to accept.
Instant decision does not guarantee approval
While you'll receive an instant decision on whether lenders can match your circumstances, not all applicants will be approved. The APR you're offered may vary based on your credit history and the lender's criteria.
Missed payments affect your credit file
If you fail to make repayments on time, your lender will report this to credit reference agencies. This can negatively impact your credit score and make it harder to obtain credit in the future, including mortgages, mobile phone contracts, and car finance.
Additional charges may apply
Lenders may charge late payment fees or additional interest on missed repayments. In some cases, lenders may use Continuous Payment Authority (CPA) to attempt to collect payments from your account. Always read your loan agreement carefully before signing.
Free debt advice is available
If you're struggling with debt, free and impartial help is available from MoneyHelper, StepChange, and National Debtline. These organisations can help you understand your options without charging you anything.
Loan renewal and extension
Some lenders may offer to renew or extend your loan. While this can provide short-term breathing room, extending your loan term usually means paying more interest overall. Always consider whether you can afford the repayments before renewing.
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