‘Easy’ usually refers to a simple, quick application rather than a guaranteed decision. Our online form is short and uses plain language, with a soft search that has no impact on your credit score. A hard credit search is only carried out when you formally apply to a lender which can affect your credit score.
We are a credit broker, so one form searches our panel of FCA authorised lenders and brokers for a potential match, saving you from applying to each one separately.
What makes it straightforward
A single application, clear information up front, and a soft search quote all make borrowing feel simpler. What no responsible firm can offer is a guaranteed yes, because lenders always check affordability.
- One short form instead of many applications
- A soft search that does not affect your score
- Clear repayment figures before you commit
Who can apply
Lenders set their own criteria, but as a general guide you will usually need to be a UK resident aged 18 or over, with a regular income the lender can verify, a UK bank account, and to pass the lender's own affordability and credit checks.
The cost of an easy loan
A simple application does not change what the loan costs. The rate and total repayable depend on the amount and term you choose, so always look at the total cost over the whole term, not just the monthly figure.
If the agreement is classed as high cost short term credit, these FCA caps apply:
- Interest is capped at 0.8% per day
- Default fees are capped at £15
- The total cost is capped at 100% of what you borrowed
What still gets checked
Even the simplest application still involves affordability and credit checks by the lender. Being matched with a lender is not the same as being approved, and no responsible firm can promise a guaranteed yes. Checking your eligibility first with a soft search is the easy part, and it does not affect your score.
How to apply
Borrowing responsibly
Take a moment to check the repayments work within your budget before applying. What matters most is the total cost over the whole term rather than the monthly amount alone, so borrow only what you genuinely need.
Every lender on our panel is authorised by the Financial Conduct Authority, and high cost short term credit is subject to an FCA total cost cap, meaning you cannot repay more in interest and fees than the amount borrowed. If money is tight, free and impartial help is available from MoneyHelper.
Representative Example: Borrow £1,000 over 18 months. 18 monthly repayments of £89.22. Total amount repayable: £1,605.96. Interest: £605.96. Annual interest rate: 59.97% (fixed). Subject to application approval by the lender. Not all lenders offer loans up to £5,000. Representative APR 79.5% (Variable). Any representative monthly repayment shown is for illustration only, based on our representative APR. Your actual repayments will be confirmed by the matching lender if your application is approved.