Flexible Loans from £50 to £5000

At ThisLender we arrange flexible loans to UK customers in need of fast finance. Choose your repayment term, we offer short-term loans that can be flexibly repaid from 3 months to 36 months.



Representative 49.9% APR

Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. Rates from 45.3% APR to 1721% APR - your no-obligation quote and APR will be based on your personal circumstances. The minimum repayment period for any loan will be 90 days from the date the loan is issued. The maximum repayment period is 3 years.

We are a credit broker, not a lender

Simple, secure, no obligation application process

Our transparent loan service lets you stay in control.

£50 to £5000 loans available

£50 to £5000 available

Cash in 10 mintues

Cash in 10 minutes²

Flexible loan repayments

Flexible loan repayments

No broker fees

No broker fees

Clear upfront loan cost

Clear upfront loan cost

We are FCA approved

We're FCA Approved

All credit types considered

All credit types considered

Your data is secure

Secure & confidential



How it Works

We have made the online process as simple and clear as possible. To apply for a loan, follow these 3 simple steps.

Step 1 - Apply Online

Apply Online

It’s simple, fill out the application form as accurately as possible. It shouldn’t take you long, we only need some basic details.

Step 2 - Get a Decision

Get a Decision

After submitting your online application, you will receive a decision within 60 seconds†.

Step 3 - Money Deposited

Money Deposited

Review your flexible loan details carefully. If you approve, the money could be deposited in as little as 10 minutes².



Our charges and fees

Our online loan-matching service is 100% FREE to use. We never charge any upfront fees and the cost of the flexible loan is always clear. Remember, you are in control.

Amount Term Monthly Repayment Total Repayment Interest Interest Rate Representative APR
£1,200 18 months £90.46 per month £1,628.28 £428.28 70% PA (fixed) 49.9% APR
Amount £1,200
Term 18 months
Monthly Repayment £90.46 per month
Total Repayment £1,628.28
Interest £428.28
Interest Rate 49.9% PA (variable)
Representative APR 49.9% APR

Rates range from 45.3% APR to 1721% APR - your no-obligation quote and APR will be based on your personal circumstances. Please refer to the lender you are matched with for their rates.

Frequently asked questions

We’re here to help you get the answers you need. If you have any questions, please don’t hesitate to contact us.

Am I eligible for a loan?

You are eligible to use our flexible loan matching service from ThisLender if you answer ‘yes’ to these following questions:

  • You are aged 18 years old or over?
  • You are a UK resident?
  • You have a permanent address?
  • You have a regular income?
  • You have a UK bank account
  • You have a UK debit card?
  • You are NOT currently bankrupt?

Can I cancel my loan?

As we are a broker, we are not involved in the cancellation process. If for any reason you decide to cancel the loan, please contact your lender directly and refer to the cancellation policy that is outlined in your loan agreement.

How does ThisLender work?

ThisLender is a broker that offers flexible loans that suits your lifestyle. As a broker, we work with a panel of trusted UK lenders to bring you a suitable loan offer you can access quickly. We have made the process free-to-use, simple and as clear as possible.

There are 3 easy steps to complete the loan application process:

Step 1 – Complete the online form. We only need a few details, and there’s no paperwork or long winded questions to answer.

Step 2 – We have lots of flexible loans available and our online loan matching technology will quickly match you to a suitable loan lender on our panel – it’s that easy!

Step 3 – If you are approved, you will be transferred directly to the lender’s website where you will be able to complete the final part of the loan process. Please review the loan offer carefully and make sure you are happy before deciding to accept the loan or not. If you are happy with the loan, sign the loan agreement online and receive your loan from your lender.

When will I receive my loan?

Due to the flexible nature of the loans on offer, funding times will vary depending on the lender you are matched with. The bank you use and the time of day you make your application may also have an impact.

I have bad credit – is it a problem?

Absolutely not. At ThisLender we are working hard to ensure everyone is able to get access to funding, as and when they need it. With many flexible loans available, you’ll find options for bad credit. As a broker, we work closely with many lenders who will consider applicants with a poor/bad credit history.

What are the fees and charges?

As a broker, we do not charge you any fees for using our service.

Each application is assessed by the lender, and the exact APR percentage rate will be given to you before you approve the offer. The charges including fees are given to you in a clear way that you understand them fully and clearly, the terms and conditions of the loan are also given to you before you proceed so that you are happy with all aspects of your loan offer.

Do I need to be on the electoral register?

No, you do not need to be on the electoral register to apply with us.

Why choose ThisLender?

As one of the UK’s leading loan brokers, we know exactly what our customers need when applying for finance.

The flexible loans we help to arrange are suited to a wide variety of people. It doesn’t matter if you have a perfect credit history, or if you’re still working on improving your credit score - we welcome anyone to make an application.

We are authorised and regulated by the Financial Conduct Authority, which means your loan application is in safe hands.



Important Information

Collection Practices

For clarity, once you have received your loan amount, if for any reason you think you will not be able to meet the arranged repayments, or if you think there will be any difficulty repaying any part of your loan, then you must contact the lender of your loan directly as soon as you become aware.

Contacting the lender quickly will provide you with the best opportunity to maybe reschedule your loan repayments or discuss further options in more detail to avoid adverse action. Changing repayments of your loan amount could incur further charges or interest, the details of which can only be discussed directly with the lender of your loan. If no attempt is made to contact your lender and update them on any circumstantial changes or make the lender aware of any difficulty in paying back what you owe; they reserve the right to pass on your details to third party debt collections agencies or organisations that will attempt to recover the debt.

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 the terms and Conditions on your signed loan agreement for details.

Non Payment Implications

The implications of 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. Where you miss a payment entirely, you will often incur a charge/fee that will be added on to the total amount that you owe. 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, ThisLender strongly recommends that you contact the provider of your loan in the first instance.

Important things to remember

– Don’t borrow money if you think you will struggle to pay it back
– Don’t ignore the situation, contact your lender as soon as you think you may struggle to repay.

Please be aware that if do not repay your loan at the agreed date between yourself and your loan provider, this will result in your loan provider 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. 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 loan provider any reasonable expenses and costs that may be incurred in taking steps to enforce (for example, via County Court Judgments), or attempt to enforce, the lender's rights against you under your agreement.

Renewal policy

Your provider may be willing to renew your loan based on your current circumstances. If you’d like to do this, you should contact them as soon as possible. The loan provider may be able to offer a better deal if you have paid back your existing loan or offer different terms based on your current circumstances. If you are late with your payments or you don’t pay at all, then this could lead to potential further interest and charges being added to your account.

Financial Insights

View our insights for the latest news, tips and advice.

Need a loan but keep getting declined

Need a loan but keep getting declined?

February 07, 2022 By Simon Moorcroft

Find out what to do after a loan application gets declined and take steps to increase your chances of success.

Read More
7 Financial New Year’s Resolutions for 2022

7 Financial New Year’s Resolutions for 2022

January 05, 2022 By Simon Moorcroft

It’s that time of the year again. The time when we look towards the future with optimism and set resolutions for the months to come.

Read More
How to Get Free Legal Advice When You Need It

How to Get Free Legal Advice When You Need It

November 27, 2019 By Kara Copple

If you have found yourself in a tricky situation where you need legal help but your budget is tight, finding free legal advice is key.

Read More

Flexible Loans from £50 to £5000