How To Borrow Money Online was set up in 2012 to help customers meet their short term cash needs and give them an opportunity to borrow a small sum of money right now. We provide our customers with a convenient way to access short term funding without any hidden costs.

What should I do to get cash

First, you need to choose the type of loan that best suits your needs. We offer unsecured loans 24 hours a day, 7 days a week. Borrowing money from us helps our customers smooth their expenditure and manage expenses which can otherwise cause considerable disruption to their finances. Whether you need money for unexpected car repairs, emergency dental work or any other expense that you did not budget for, we are ready to help.

A loan is an online short term credit facility, intended to provide you with funds for a short period of time. We have two different types of short term loans available, when you need to borrow money as quickly as possible:

Payday Loans Multi Month Loans

It is important to consider which option is more suitable for you before you submit your application to borrow money from us. A payday loan is a small loan which can help bridge the gap until you receive your next salary payment or for up to 35 days. A multi month loan is a longer term loan that can be repaid in three monthly instalments which gives you additional flexibility in your repayments and may be a better fit for your monthly budget. Both options are convenient if you need to borrow cash immediately, due to our fast transfer times.

How can I get a loan from offers an easy, secure and private way to help with your financial needs. To borrow money from us you just need to follow these three steps.

A pen

Step 1

You complete our application form

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Step 2

We process your application within minutes on a 24/7 basis

A hand holding money

Step 3

If approved, the money will be transferred to your nominated bank account in minutes, including on bank holidays and weekends

We know that when people are looking to borrow money online they expect a quick and easy 21st century application process that would give them instant access to the funds that they need. Filling in our application form is a straightforward task where we ask you to tell us a few key facts about yourself. is a direct lender and so our online application form is available to our clients at any time of day and you can apply for a loan as soon as you need to borrow some cash.

Once you’ve submitted your application form we carry out credit and affordability checks based on:

  • the information that you provided;
  • the information that we receive back from the credit reference agency;
  • any other relevant information that we hold.

We know that when our customers need to borrow cash they value a simple and transparent process from a lender that they can trust. We work hard to make the process of borrowing money from us as fast and easy as it can be.

As a direct lender we always listen to our clients and we understand the importance of having instant access to a loan at any time of day. Once an application for a loan is approved, the money transfer is initiated straightaway regardless of whether you need to borrow on a weekday, a bank holiday or a weekend.

If you have a bad credit record, we may not be able to approve your application, however you can still contact us about an application that has been declined via the automated method and ask us to manually review your application on a different basis.

Can I borrow cash for a longer term?

We are a responsible lender and we also have to ask you to be a responsible borrower. If you are looking for a place to borrow money from, remember that loans have a relatively high cost of borrowing compared to traditional and/or longer term sources of finance and therefore a loan is not suitable for long term borrowing.

If you need to borrow money for a sustained period of time, there are more suitable alternatives available from other sources.

WARNING: Late repayment can cause you serious money problems. For help, go to

How much would you like to borrow:

How long would you like it for?
3 months
6 months

Your monthly repayments are:

Total amount to be repaid:
Annual percentage rate:
  % APR

Representative Example: £200 loan for 22 days at a fixed interest rate of 290% pa. Total amount payable is £234.96 in one single repayment. This is based on the amount of credit plus interest, no other fees apply. Representative 1348.0% APR

Representative Example: £200 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £359.71 in monthly instalments of £74.65, £71.73, £64.05, £58.76, £49.75 and £40.77. This is based on the amount of credit plus interest, no other fees apply. Representative 1266.9% APR