Warning: Late repayment can cause you serious money problems. For help and advice go to moneyadviceservice.org.uk

Take the sting out of finding a loan

Flexible loans up to £5,000 over up to 60 months ¹

FREE, online decision in 60 seconds & NO BROKERAGE FEES!⁴

Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable). Representative 305.9% APR.

We are a licenced credit broker, and not a lender

Loans are not guaranteed, and not all successful applications will be paid out the same day.


Tell us about you

Fill out our quick form online. This should take no more than 2 minutes.

Start here

We'll check your eligibility

You will get your decision in around 30 seconds.


Accept your loan proposal

Once you receive your quote, complete the final step to transfer money

Join over 400,000 customers we've helped since 2012

Why so many have applied with us

  • Borrow between £100 and £5,000
  • 100% no obligation, FREE application⁴
  • Access to many lenders, with one quick form
  • NEVER any hidden brokerage costs or fees⁴
  • Paperwork often not required
  • Easy reapplication to find another lender
  • 2048 bit secure encryption
Start my application

How we compare

How much can new customers borrow?
Up to £5000
No brokerage fees, ever!⁴
What are the repayment terms?
1 to 60 Months
No paperwork
Percentage of people offered financial help
Quick offer
Can I repay in installments
Flexible repayment
Do we credit check? ³
Lenders may

*Once approved, your cash may be sent within 60 minutes. The time that it takes for the cash to be received in your account will depend on the lender's requirements, and your bank’s policies and procedures.

Despite making every effort to budget for your settlement, most lenders understand that problems can occur. Most lenders have the facilities in place to set up restructuring plans to help you, and whilst this may incur additional charges or interest, it is much better than ignoring the requests. Whilst every lender has different policies, every month that you fail to settle may result in the true cost of your solution growing hugely due to the additional fees involved. A restructuring plan means that these fees stop, and bar the interest, you only owe the outstanding balance.

You must contact your lender directly at the earliest sign of financial difficulties. Ongoing complications means that not only do you incur more charges and interest, but the lenders have no option to pass your details on to collection agencies, which can be even more stressful.

If your situation is passed to a debt collection agency, providers can send the details to a credit reference organisation. This means that a note is put on your credit report of the problem, so that future creditors get a better understanding of your ability to settle credit agreements. All lenders have different policies regarding credit reports, so please read the terms and conditions of your chosen provider carefully. Such notes can stay on your credit file for up to 6 years, so please make every effort to meet your repayment before accepting your proposal.

With some lenders, by meeting your repayment on time, a positive note will reflect on your credit file - this means that you have a better chance of obtaining future credit.

Beeloans.co.uk do NOT recommend renewing your agreement, as it is intended for one-off emergencies. If you feel you have budgeted your finances sufficiently to extend, then you must contact your provider as soon as possible. Please consider though that this may incur an additional charge - please check with your lender.

We work hard to ensure we don't partner with providers that have automatic renewal policies in place, as we feel this is not appropriate. Once we have directed you to a lender, we urge you to check the terms and conditions carefully, to ensure that this is not in place. If it is, you can request the cancellation of the renewal, but you must remember to do so. Failure will result in a further agreement and associated interest and charges, that you don't really need.

We only work with a select number of lenders and brokers who are carefully vetted. Most of the lenders on our panel are generally a member of a trade body or association and asked to comply with an ethical code of practice that subscribes to responsible lending.

How does it work?

We use our strong network of lenders and brokers to make borrowing money as quick and easy for you as possible. This is why we have a complex system to make a beeline to reputable providers to find solutions that suit your personal needs, to really help when it's needed most. Our process is designed to take the pressure off you, and is 100% online from start to finish. There is no need to wait and sign large numbers of documents – simply fill in our brief application form once, and let us do the rest for you. Even at this point, you are under no obligation to accept the proposition we match you with.

What's more is that this is available 24 hours a day, 7 days a week, including bank holidays. Unlike some other companies, we don't charge you a penny for our service, and you are not even under any obligation to go ahead even if you do apply, so there really is nothing to lose!

What are same day loans?

These are designed to help ensure you have enough money until you're next paid. They offer a quick and convenient solution to short term money worries. As it is only your pay packet that is secured against the finance, as long as you are employed and over 18, with a UK bank account, you are free to enquire, even if you have a poor credit history.

Our systems and relationships are built in such a way, that if you are rejected by over 40 providers, we still have options for you - whether it's an alternative financial product, or debt help, we are able to assist. Our service is available 7 days a week, 24 hours a day, and there is no impact on the APR of your solution, so please feel free to search as much as you want, to feel comfortable with the choices we make for you.

Can I extend my agreement?

The intention of this product is for one-off solutions to unexpected financial difficulties, such as broken boilers, garage fees, medical bills, and so on. Due to the necessary interest fees involved, you should not be considering this option as a long term fix for debt problems.

While we aim to work with providers that do not have an automatic renewal policy in place, your lender may have such a policy in practise. In most cases, a fee is associated with a renewal, should it be automatic or requested. Every lender we work with has different rules surrounding renewals, so please check carefully before agreeing to the proposal.

How much can I borrow?

The amount you can actually borrow will largely depend on your current income. Upon successful repayment of your first finance agreement with your lender, you may find that the amount available for any subsequent requirements will be higher, as your credit score should have improved. The maximum amount you can generally borrow is £5000, and please remember, this should not be seen as a long term solution to debt problems.

Responsible borrowing

  • Before accepting a your proposition, we strongly encourage you to make sure you can meet the repayment
  • Failure to do so on the agreed date could result in extra fees and penalties
  • Solutions where repayment is due in more than 1 month can be available. Please consider that a UK payday loan is intended for short term us with a quick repayment
  • If you feel you have a problem with debt, or are struggling to meet your repayments on your loan, we encourage you to seek alternative solutions that may match your financial situation.

Collection agencies

If you don't settle your agreement on time, the lender may take collection action on your debt. Each provider has different processes in order to collect the debt, so we strongly urge you to fully understand and agree to the terms and conditions from your chosen lender.

Late/ non-payment penalties

You should always speak to your lender should you have difficulties in repaying, but if nothing can be resolved, you do run the risk of having penalties or fees applied.

It is important that before you accept a lender's offer that you are fully confident that you can afford the repayment, as any charges will increase the true cost of your agreement. Remember, time flies! It is also worth considering bank processing times during holidays and busy periods, and planning your liability accordingly.

The date of repayment will be made clear to you by your accepted provider, so please keep a note of this, as it will form your commitment to the agreement.

Credit reference agencies

If you continue to fail to repay your loan, credit reference agencies will also make a note on their records of the outstanding debt. This may negatively affect your credit score. The records can remain for up to 6 years, and may be passed on to other credit and fraud agencies, to ensure you can be traced and chased for repayment. Likewise by committing to your liability on time and in full, this may reflect positively on your credit file.