Need emergency cash? Fast decision. Same day payout
Representative Example: £1,000 borrowed for 18 months. Repayment of £92.12. The total amount repayable is £1,658.16. Interest amounts to £658.16, an annual interest rate of 65.67% (fixed). Representative APR: 89.5% (variable)
Why choose Loans 365 in an emergency?
When you need cash urgently, one search compares 30+ lenders so you get an answer fast.
| ✓ Loans 365 | Other Brokers | |
|---|---|---|
| Free to use | ✓ Always free | May charge fees |
| Credit score impact | ✓ No impact | Hard searches possible |
| Lender panel | ✓ 30+ FCA-regulated | Limited panels |
| Decision speed | ✓ Instant decision | Hours or days |
| Obligation | ✓ No obligation | May pressure you |
Three simple steps to your loan
Three quick steps between you and a loan option that fits your situation.
Tell us what you need
Choose your loan amount between £100 and £5,000 and give us your email. It takes less than two minutes and won't affect your credit score.
We search our panel
We match your details against our panel of 30+ FCA-regulated lenders to find loan options that suit your circumstances and borrowing needs.
Get your money
See your matched offer, check the full terms including APR and repayment schedule, and decide whether to proceed. No pressure, no obligation. Same day payout possible.*
Built for urgent situations
We understand emergencies are stressful. Our process is designed to get you an answer quickly.
Urgent decision
Get a fast decision so you're not left waiting in an emergency.
Same day payout
If approved, funds can reach your account the same day.*
£100 – £5,000
Borrow the amount you need to cover your unexpected expense.
30+ lenders, one search
Compare lenders in one place instead of applying one at a time.
No obligation quote
It's free to check your options, with no obligation to accept.
Apply from anywhere
Apply from your phone in under 2 minutes. No branch visits.
What you should know before applying for an emergency loan
We believe in transparency. Here's everything you need to make an informed decision.
We're a broker, not a lender
Loans 365 is a credit broker authorised and regulated by the FCA (FRN: 1036139). We match you with lenders from our panel. We don't make lending decisions or set interest rates. Any loan offer comes directly from the lender, and you're under no obligation to accept.
An emergency loan is still a loan
Urgency shouldn't rush you into unaffordable credit. Only borrow what you can repay on the agreed schedule.
Missed payments affect your credit file
If you fail to make repayments on time, this will be recorded on your credit file and may affect your ability to obtain credit in the future. Always ensure you can meet the repayment schedule before accepting a loan.
Loan renewal and extension
Some lenders may offer to extend or renew your loan. This typically means additional interest and fees. Carefully consider whether renewal is right for you.
Free debt advice is available
If you're struggling with debt, free, independent help is available:
All credit histories considered
Our panel of lenders considers applications from people across the credit spectrum. Being declined elsewhere doesn't mean we can't help. We'll always search for an option that fits.
Need emergency cash now?
Compare 30+ lenders in seconds. Fast decision, same day payout possible.*
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