Representative example: borrow £600 for 8 months. 1st monthly repayment of £144.38, 6 monthly repayments of £192.50, last monthly repayment of £96.25. Total repayment £1,369.63. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74%. Our loans are available for 3 to 9 months depending on the loan amount — rates between 295.58% APR and a maximum APR of 1294%.
Representative example: borrow £600 for 8 months. 1st monthly repayment of £144.38, 6 monthly repayments of £192.50, last monthly repayment of £96.25. Total repayment £1,369.63. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74%. Our loans are available for 3 to 9 months depending on the loan amount — rates between 295.58% APR and a maximum APR of 1294%.
Quick loans are commonly used for emergencies or when you have a pressing bill or an unexpected household expense like a car repair or an appliance breakdown. Our entire application and funding process is designed to be as fast as possible.
Enter your details online in under 5 minutes and get a decision on screen. If successful, you could receive funds transferred to your bank account within 1 hour. More likely though, the same day of funding.
Because speed and convenience are the focus, quick loans can be more expensive than standard personal loans, and approval is still subject to eligibility and affordability checks. If you miss repayments, you could face extra charges and it may damage your credit record.
How to Get Loans Fast
To speed up your application, there are a few ways to get a loan quickly:
Check the criteria: Make sure that you meet the basic criteria for a quick loan. This will ensure that your application can be processed as quickly as possible. There are a few things that our lending panel will not consider. This can include customers on benefits, unemployed or not within the age requirements. You will need to be over 18 years of age and with a valid UK bank account to be eligible.
Provide accurate information: Any false information will likely be flagged by their system and this includes things like your name, address, bank account details and monthly income. Anything out of the ordinary will usually need to be backed up with a bank statement, pay-slip or utility bill. Providing true and accurate information to your best ability is key to ensuring a smooth and efficient process.
Apply during working hours: Whilst customers can apply for a quick loan with Badger Loans 24 hours a day and 7 days a week, loans will usually be processed during office hours. So if you need a loan fast, applying during 9am to 5pm it will maximise your chances of getting quick loans on the same day. If you apply on a Sunday or bank holiday, they will still work hard to process your application but it may be on the next working day.
Make yourself available: Some applications may require some further checks such as additional documentation or a quick phone call with you to confirm details. Therefore, it is ideal to make yourself available and just stay close to your phone and emails once you have applied. If you apply for a personal loan and then go off to work, the gym or shopping, you may not be easily contactable and be able to proceed as quickly as possible.
Similarly, in the event that the lender requires extra documentation, it is worth having a copy of your most recent payslip and bank statement saved to your computer. If this is required, you can quickly attach and send this to them. They can then get your application processed faster.
Whether you need as little as £100 or as much as £15,000, we’ve got you covered. You can choose the loan amount that best suits your needs.
If you have a good credit rating it’s possible you could benefit from a low interest rate with a corresponding low APR.
Try our Affordability Calculator to ensure you can afford the loan.
If that sounds like you, you’re eligible to apply today!
Badger Loans works with a panel of up to 50 lenders in the UK. This helps you improve your chances of being approved for a short term loan and getting access to the funds you need faster. With each lender having different requirements, you can maximise your chances of approval through Badger Loans. Every lender on our panel has been reviewed and vetted to ensure that they are fully authorised, regulated and trustworthy. With no upfront fees, you can receive an almost instant decision in up to 5 minutes and if successful, can receive funds on the same day. Sometimes within a few hours. We will not pass on your information to any other companies without your permission.
Yes, if you have a bad or poor credit rating, you’ve come to the right place. You may not get the best interest rate but you could get the loan you’re after from one of our specialist bad credit lenders.
If you have a good credit rating it’s possible you could benefit from a low interest rate with a corresponding low APR.
Repayment flexibility is important. You can repay your loan over a period as short as 1 month or as long as 5 years, depending on the lender and loan amount. This helps you tailor repayments to your budget and circumstances.
To see if you could qualify, try our Affordability Calculator — it only takes 2 minutes and won’t affect your credit score.
Get your decision in minutes and, if approved, receive your funds within the hour. Applying won’t affect your credit score.
A quick loan is a short-term financial solution designed to provide funds promptly when you need them most. They are often used for covering urgent expenses such as:
medical bills, car repairs, unexpected household costs like a washing machine or boiler boilder breakdown, urgent travel expenses to see a sick relative.
Quick loans are designed to help you access money quickly, with a straightforward online application process. You can typically receive a decision in minutes and, if approved, get funds transferred to your account the same day. Approval and funding times vary by lender and eligibility.
Badger Loans is not a direct lender. Instead, we act as a regulated loan broker, helping you find a suitable lender for your needs quickly. Our network of lenders means that whether you’re looking for a smaller loan (from £100) or a larger amount (up to £15,000), we can connect you with an appropriate lender.
We do the legwork for you, matching your application with lenders who may be a good fit:
– One application, multiple lender options, which can save you time compared to applying to lots of sites individually.
– Protecting your credit file: we may use a soft search to check eligibility, which doesn’t affect your credit score. If you’re offered a loan and choose to proceed, the lender may then carry out a hard credit check.
– Free to use: we don’t charge you to apply.
– Flexible repayment terms: depending on the lender, loan amount, and your circumstances, repayment terms can range from 1 month to 5 years.
Funds can be transferred to a customer’s bank account in less than 1 hour. More usually, on the same day of applying. Most lenders use Faster Payments which is a fast payment system to send funds via BACS. Sometimes customers can receive their money in 1 hour or on the same day.
Applying for a quick loan through Badger Loans is simple and hassle-free. Our online application form takes just minutes to complete, and you’ll receive a decision almost instantly. Here’s how it works:
Complete the Application: Fill out our short form with your personal details and loan requirements.
Receive a Decision: Based on your information, our lenders will assess your application and provide an instant decision.
Get Funded: Once approved, the money could be in your bank account within hours.
There are no fees for applying and filling in our application form. It will not have a negative impact on your credit score. There are no guarantors required for our quick loans.
While quick loans are a convenient option for emergencies, it’s important to borrow responsibly. Here are a few things to consider:
Affordability: Make sure you can comfortably afford the repayments, as missing payments can affect your credit score.
Interest Rates: The APR on quick loans can be higher than other types of credit. Compare options to find the best deal.
For independent financial advice try Money Helper.
At Badger Loans, we aim to make the process of finding the right loan as simple and straightforward as possible. Our service allows you to:
Access multiple lenders with just one application.
Find loans even with bad credit.
Benefit from a fast, secure, and convenient process.
We take pride in offering a transparent and efficient service. Whether you need a short-term loan to cover a sudden expense or a larger loan with more extended repayment options, Badger Loans is here to help you find a solution that fits your financial needs.
They can be but not always. Speed doesn’t automatically mean high cost. The APR depends on the lender, the loan term and your credit profile.
Yes. All legitimate UK lenders carry out credit checks. Many start with a soft search before completing a full check if you proceed.
It’s possible. Some lenders offer quick loans to people with bad or limited credit, focusing on affordability and income rather than credit score alone. There are lenders on the Badger Loans panel who specialise in quick loans for bad credit.
No. While payday loans are a type of quick borrowing, many quick loans offer longer repayment terms, clearer pricing and lower overall costs.
Most do. Fixed repayments mean you’ll pay the same amount each month, helping with budgeting and planning.
Yes. UK lenders allow early repayment, and you may reduce the total interest paid. Any early settlement charge is limited by regulation.
Yes. Quick loans are usually reported to UK credit reference agencies. Paying on time can help build a positive credit history.
Yes. All legitimate quick loan providers must be authorised and regulated by the Financial Conduct Authority (FCA).
Most quick loans do not require a guarantor. Approval is typically based on your own income and affordability checks.
In most cases, yes. People commonly use quick loans for emergencies, unexpected bills, or essential expenses.
