Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk

Find The Loan You Want Today!


Access to the Top UK Lenders | Loans up to £25,000 | Pays Out within 15 minutes

All in Just 3 Simple Steps



The online form is entirely
online so it’s easier than ever.



You will get an instant decision
from our expert team on hand.



The money will be deposited
directly into your account.

Your One Stop for Loans

It doesn’t matter what kind of financial situation you are in, what your credit is like or what your bank told you when you tried to get a loan from them. We have so many lending options available through lenders we broker for that just about everyone is eligible for some of these loans. Our lenders offer both personal and short term loans, ranging from just a few months’ duration up to 36 months. You can choose from small loans you pay back quickly to larger loans that take years to repay.
Your options are immense, when you choose Lendplex, and we make it easy for you to discover the one loan that fits your needs perfectly.

24 Hour Loans

We all know what it’s like when a sudden expense comes up, but you’re short on cash, and you’ve got no savings to fall back. When there’s no one to turn to, a loan seems to be the best solution for situations like these.

When the need for cash is so urgent, you want a loan that is fast and hassle-free to obtain. Lenders saw this need as an opportunity, thus 24 hour loans are made available. From its name alone, you’ll know that 24 hour loans are an easy way to get your hands on extra cash immediately. For whatever reason you may need the money for, you’ll surely get it covered in no time.

When you take out a loan from a bank, the application process often takes days and even weeks. And, if your credit score is low, a bank loan might not be suitable for you because banks require a healthy credit record.

What are 24 hour loans?

24 hour loans are small borrowings in which you can pay over a short period. Since these loans are small amounts, they are unsecured type of credit. This means you don’t need a guarantee or collateral to get one. The lender grants you a loan with the trust that you will make repayments on the agreed schedule.

24 hour loans come in handy for those who are in the middle of unexpected situations such as a financial emergency, urgent home or vehicle repairs, and medical bills. You won’t be asked what you need to money for though, and you can even use it for groceries, short trips or just for the sake of having cash in your pocket.

why get 24 hour loans

24 hour loans often have loan terms as short as two to four weeks. 24 hour loans like these usually fall on the category called payday loans. However, there are lenders who offer longer repayment period, typically three to six months. You’ll be expected to repay the entire loan amount, which comprises of the amount borrowed or the principal, the interest, and other fees.

With the speed and convenience you get from 24 hour loans, you should expect that the interest rate of these loans are extremely high, especially when you have a low credit score. Since 24 hour loans are unsecured, the loan is only dependent on the your creditworthiness. This means that the decision of the lender to offer you a loan, the amount the lender will allow you to borrow, the rate of interest, and other fees are based on your credit score. The higher your score, the better deal you get.

Other requirements for 24 hour loans are general such as being a permanent resident in the UK, being over 18 years old, having an active UK bank account, and other personal and financial details. Your employment history may also be checked as well as your address, and proof of identification.

Benefits of 24 hour Loans

  1. Speedy Transaction

Unlike traditional loans and credit cards that take a long time to process, 24 hour loans are so quick to process. There’s no arguing to that, as its name suggests. With no filling out of lengthy forms, sending piles of paperwork, and no waiting for several days, you can absolutely expect to get your money within the day.

  1. Convenience

Majority of 24 hour loans can be obtained online. The convenience you get from applying online is the main advantage of 24 hour loans. You can apply for a loan remotely with only the internet and your computer or mobile gadget. You just click through the lender’s website, and you can submit your loan application from your own home or office with only minimal paperwork involved, if any. You don’t have to visit the lender’s local branch or make calls and appointments.

  1. Lenient and Flexible

Most 24 hour loan lenders do not do a hard credit check, and loan approval is based on other factors. Traditional loans require collateral or a sort of guarantee, but you don’t need one for 24 hour loans. Even if you have a low credit score or if it’s your first time to borrow and you have no credit yet, you can still get a loan approval. What the lenders want to see is for you to have a an income and that you are capable of repaying the loan.

  1. Helps rebuild your credit

As the law set by FCA mandates every lender, lenders pull out and assess your credit record each time you apply for a loan. So, it is an understatement to say how important it is to maintain a good credit rating as much as possible. Banks and traditional lenders most often refuse to offer loans to people whose credit scores are low.

Fortunately, you can qualify for 24 hour loans even with a poor or bad credit or having no credit at all, as long as you have a sort of income whether it’s from employment or benefits. Once you get a loan, you can improve your credit record by paying the monthly repayments on the agreed timeline.


Online applications for 24 hour loans get an almost instant feedback and quick approval as long as you provide all the details needed. The loan application of 24 hour loans is a fast and simple procedure. You can submit an application in minutes, and will immediately know if your loan application is approved or rejected.

In taking out 24 hour loans, all the interaction involved takes place online. Since it’s online, these lenders operate even beyond business hours, so you can submit a loan application straight from the comforts of your own home or office at any time of the day or night.

Once you get a loan approval, it takes as little as a few hours to have the money transferred to your bank account. You can definitely expect to get the funds you need within the day, hence its name “24 hour loans”.

why get 24 hour loans


Loan amount
£50 - £1,500
Loan term
2 - 6 Months
Apply Now

Show More ▼

Loan amount
£1,000 - £25,000
Loan term
1 - 5 Years
Apply Now

Show More ▼

How Much Do You Charge?

Lendplex charges nothing for its services. We have no payment options available on our website, as you may notice, because we never charge you. Additionally, you don’t have to pay the lenders extra just because we are bringing you and them together. Our services are completely free of charge.

How Long Do I Have to Repay the Loan?
The length of the loan depends on two factors- how big the loan is and what the lender’s terms are. Each lender has their own terms, and the larger the loan is, the longer you usually have to repay it. Interest rates may change as well based on loan length and the size of the loan.
Be sure you pay attention to the lending terms, as it is important to pay back the loan on time and in full. If you don’t, then you will have to pay additionally. How much extra you will have to pay will depend on each lender’s own terms.

Is It Easy to Be Approved for a Loan?
This is the biggest hurdle many people have to overcome when they want to get a loan- eligibility. Either they simply aren’t eligible or they fear they aren’t. Many people believe they would not be approved for a loan because they simply don’t have a lot of money to pay for a loan. What they may not realize is that with all the lending options our lenders have available, there is likely a loan or two that will fit just about anybody. You may be able to find one that you can pay very gradually on without a lot of interest and still get the full loan amount you are looking for. You won’t know until you try our loan matching service, though. It’s fast and simple, and you can find out in moments if you are eligible.

5 most recent personal loan reviews

Review of Genie Lending Ltd

I didn't expect that I would get a loan being that there was so many loan companies with so many requirements. When I tried Genie Lending, the process was swift, as soon as all my documents were sent to them. I am impressed and happy beyond words. It was such an easy process. Rates were quite high but that's expected for a bad credit loan. Thank you team Genie.

Review posted by Emmanuel Forsberg, Stafford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Clydesdale Bank

Very easy and very honest about what they offer and the rates are very good as well. Also the people I spoke to was very easy to talk to. Definitely would recommend to anyone in need of cash quick long or short term. Ps thanks Joseph

Review posted by Daniela Hyatt, Luton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Everyday Loans

My wife has very poor credit and was in urgent need of a new vehicle to get her too and from work. Luckily Everyday Loans agreed to give her a loan, which should start to build up her credit. The application was quick and easy (she did it on her phone over breakfast), and the money was sorted out within a couple of days. The interest rates seem very fair too considering the credit score.

Review posted by Gary Coombe, Glastonbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We source our reviews from TrustPilot to ensure authentic results.

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
Loanora is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances