Payday Loans Warning: Late repayment can cause you serious money problems. For help go to
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15 Minute Loans

At Handy Loan you can confidently apply for a short term loan up to £2500 and schedule your payments in a way that is convenient for you.  You have total control with the choice to repay in as little as one month, 3 months or stretch your payments out over 18 months.  Once you have submitted your application it only takes a few minutes to get a lending decision. Once approved for a loan you should receive cash in your bank account by midnight on the day your loan agreement is signed. In many cases, the process is much quicker, taking just minutes from the time you apply. Please note: There are absolutely NO FEE’s or extra charges for using the Handyloan service.

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Weekend Loans

We know that financial emergencies don’t always wait for the business week to begin. This is why we provide service to you on weekends, holidays and any day! The ability to have money transferred to you bank account at any time 24/7 365 days a year is something that not all lenders can do. Please note: While the funds will be transferred to your bank account immediately, it is dependent on your bank as to when you have the ability to access the funds. All banks have different policies.

Less Than Perfect Credit?

Decisions for an payday loan is usually made within a few moments online. If you are approved then the money could get transferred in an hour* which allows you to have cash quickly and without hassle. Let’s face it, if you are here looking for a payday loan you likely have a blemish or two on your credit report. At Handy Loan we understand this and our loan process takes into account your current ability to repay your loan over any past credit troubles you may have had. We have access to over 40 UK lenders and whilst this isn’t a guarantee that you will get funded, it does give you a good chance of finding a loan to suit you. Bad credit does not automatically disqualify you.

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Guaranteed Payday Loans?

It is a commonly searched for term when it comes to payday loans but no matter what lender you choose, you are not guaranteed a loan anywhere. For instance, if you have no income, you are pretty much guaranteed NOT to get a loan with any loan company. This applies not only to  direct lenders only but also no brokers will work with you either. It would be impractical for any lender to guarantee a loan to anyone not knowing their ability to repay. It would also go against FCA policies for short term lending. Read our full article on the guaranteed payday loans scam.

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. This may negatively impact your ability to obtain credit in the future for services such as car finance, mobile phone contracts or satellite TV subscriptions.

Got 15 Minutes?

At Handy Loan it is easy to to apply for payday loans. If you can spare 15 minutes, you can completely read through our website and complete the application. The minimum requirement are set by UK law and are easy for most people to meet. The basic requirements are simple:

  1. Be at least 18 years old
  2. Be a UK citizen, living in the UK
  3. Be employed for at least 90 days (part-time employment is fine)
  4. Have a UK bank account that allows electronic deposits and automatic debits.
  If you default, you may be charged a collection fee (which varies from one lender to another), plus interest on the balance outstanding at the interest rate payable under the agreement. You must pay your lender any reasonable expenses and costs that may be incurred in taking steps to enforce (for example, via County Court Judgement), or attempt to enforce, the lenders rights against you under your agreement.

Responsible Lending

Short term loans are never recommended for holidays or items that are considered ‘leisure’. They are intended for individuals to mitigate any issues that they may have financially until the next payday is reached.

Handyloan tries to provide enough information for you to make an informed decision about entering into a new loan. All of our lenders will also try to help you make this decision but ultimately it is up to you to make a responsible choice. Only you know your current financial and if you will be able to make your payments. Most people that get into trouble with a loan product know going into the contract that they will not be able to repay on time. We will find you the best direct lender in the U.K.

Instalment Loans in the U.K. allow you to schedule out payments. Bad credit and bankruptcies may or may not be accepted. You can get the safe, secure and hassle free cash you need right now, so don’t wait – apply today. Need cash fast? Instalment loans up to £2500. A short, 2 minute application, and a decision in minutes! Bad credit may be ok; no faxing is required in most cases. Why stress and wait when you can apply now! Instalment loans help ease the stress of paying off bills or an unexpected emergency by allowing you to pay it back in multiple payments, 3 months up to 18 months. You can get the funds you need today. You can apply anytime from late night to early morning.