How Much Do You Need?



Representative Example: Amount of credit: £850 for 11 months at £146.30 per month. Total repayment of £1,609.25. Interest: £759.25. Interest rate: 150% pa (fixed). 277.6% APR Representative. Handy Loan is NOT a direct lender, we are a licensed broker

Payday Loans Alternative

  • No Fee's

    There are no fee’s or charges to use the Handy Loan service!

  • NO Paperwork

    Everything is handled online. No need for paperwork!

  • Secure UK Site

    Handy Loan is for UK residents only.

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Apply For up to £3500 even on the weekend

Instalment Loans

Instalment loans are designed to help get you through a short term financial situation that arises unexpectedly. Instalment repayment terms range up to 18 months

Loans Up To £3500

While you can apply for up to £3500, it is recommended that you apply for the smallest amount that will cover your current short term cash shortage.

Hassle Free

We know that you are not here because you want to be. Our goal is to you is to help you get a loan as fast as possible without wasting your time or energy!

Weekend Loans

You can apply and receive a lending decision any time of day or night. Your application is processed 24/7 and you will have a lending decision promptly upon receipt.

Cash Loans 24/7

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 late night!

100% Secure

When you apply with Handy Loan, your data is 100% secured. Our entire website is secured by Comodo SSL 256 bit encryption which ensures your data is safe!

Payday loans are designed for short term cash shortfalls and must be repaid on your next payday. Our instalment loans provide a larger sum to be paid back over an extended amount of time in multiple payments. Charges and fee’s for all short term loans and installment loans are regulated by the UK government for your protection!

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 an instalment loan. 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:

Be at least 18 years old
Be a UK citizen, living in the UK
Be employed for at least 90 days (part-time employment is fine)
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.

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Less Than Perfect Credit?

Decisions for instalment loans are 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 short term 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.

* Fund transfer times may vary based on the matched UK money lender, time of day applied and your bank.

Common Questions

Is Handy Loan FCA authorized? is an Introducer Appointed Representative of Nouveau Finance Limited, and is entered on the Financial Services Register under reference number 779139.

What Is Auto Decisioning?
Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

Our FREE quoting service compares more than 40 lenders quickly and finds you the lender with the lowest rate that is willing to lend to you today. We provide a no obligation quote, your APR will be based on your personal circumstances If for any reason you choose to cancel your loan please refer to the loan agreement sent to you by your lender, cooling off periods and lender cancellation policies may vary.

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 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 £3500. A short, 2 minute application, and a decision in minutes! Bad credit may be ok; no faxing is required in most cases. You can apply anytime from late night to early morning and on the weekend.