Welcome to the Get Loans UK Website

If you need to borrow a small amount of cash to help you with an unexpected expense that has come your way, then you have come to the right place. We are a credit broker, not a lender and we can make sure that your one application is put in front of our panel of over 40 lenders, saving you time and effort.

getloansuk can offer you a solution when your finances reach crisis point. We have all experienced a situation where an unexpected bill or expense has arisen when we don’t have the spare cash that month to pay for it. This can be anything from a vet bill to a flat tyre. All you need to do to fix your problem, is apply online on our website. Once you have applied, you will get a decision in minutes on screen and you may also receive confirmation by SMS or email.

What are Short Term Loans?

A short term or payday loan is a credit product, which can be borrowed over a period of one month or more, depending on the terms of your agreement. The amount you can apply for is your choice between £100-£1000 so it should be enough to cover most surprise expenses. You should only borrow as much as you need and calculate whether you are able to pay the loan back when you say you will.

Once you have filled in the application form and you are approved then the cash could be with you the same day if you apply on Monday-Friday, before 3pm. If you apply after 3pm or on a weekend, then you will usually have to wait until the next working day for your money to be transferred into your bank account. Please note that you should only use Text Loans as a short-term solution to your cash crunch. Our service is not meant as a long-term financial solution to a debt problem.

Things you need to know about our service:

Eligibility criteria

You must be a permanent resident in the UK and you must be over 18 years of age. You must be in employment from and in receipt of a minimum of £500 net per month. You should also have a valid bank account in the UK, with a debit card.

Collection Practices

We are not a direct lender so we are not responsible for collecting money from customers. Once you have received your payday loan amount, and you think for some reason you may be unable to meet your agreed repayments then you must contact your lender immediately.

By contacting your lender and telling them about your problem gives you the best opportunity to discuss further options in more detail to avoid adverse action. In some cases, lender may offer you a new repayment schedule. With a new repayment schedule, you could incur further charges or interest. To find out more about these charges, you should discuss them directly with your lender as every lender has their own set of Terms and Conditions. If no attempt is made to contact your lender and make them aware of any payment difficulties, then they will reserve the right to pass on your details to third party debt collections agencies.

Lenders usually reserve the right to utilise the Continuous Payment Authority to continue to attempt to take payment from your card up to 90 days past your due date. This is only done if it is in line with the terms of your agreement. Please check your own Terms and Conditions on your signed loan agreement for details.

Implications of non-payment

If you are not able to pay your dues on time then it is your duty to let your lender know that you cannot pay. Non-payment of your loan could include adverse details being included within your credit report. This could adversely affect future attempts at securing credit or finance, in addition to further charges potentially being added by the lender. Upon a missed payment, lenders will often try to contact you by telephone or letter in order to recover the funds and they may be able to arrange a new re-payment date with you. If you are struggling, or think there is a possibility that you will not be able to meet repayments, Get Loans UK strongly recommends that you contact the lender in the first instance.

Things to Remember:

Don't borrow money if you know you will struggle to pay it back.
Don't ignore the situation; contact your lender as soon as possible.
Please be aware that if do not repay your loan at the agreed date between yourself and your lender, this will result in your lender reporting your case to the Credit Reference Agencies; which may have a negative effect on your credit score.

Loan Renewal Policy

The renewal policy will be totally dependent on the lender who provides the loan. Your lender may be willing to renew your loan. If you wish to do this you should contact them as soon as you know. Our lenders generally charge the same or better rates for loans if you have successfully repaid a loan to them in the past. Remember our lenders have to check that you can afford any loan. Any decision you make regarding the renewal of a loan should be made with full consideration of all the costs and your situation at that time.
Late or non-payment could lead to further interest and/or charges being added to your account.