£1000
£50
Use the slider to select your loan amount
Representative example on a loan of £260 repaid after 28 days:
Total charge for credit: £318.24 in a single instalment
Payable in one payment of: £318.24
Interest: £58.24
Interest rate 0.8% per day equating to 292% per annum (fixed)
Representative 1294.1% APR (variable)
You Borrow — £ You Pay — £372
Representative APR 1294.1% (Variable)

Text Loan UK - Get Fast And Payday Loans With No Fuss

The payday text loans are short term cash advance, where you will be able to borrow cash ranging from £100 to £1,000 to be repaid over a short term or usually until your next 'payday'. Providing a financial aid for when you have short of cash in your pockets, a payday loan can help to cover your emergency cash flow issues. You can use these funds to avoid charges from your bank or credit card, pay off medical bills, pay unexpected bills for instance VET bills, or gas and water or if you just need cash to get by until your next payday.

It is advised that you should borrow these payday loans for emergency purpose only. Please note that these type of loans are recommended for short term and not suitable for debt problem's or longer term loans.

 

Features Of Our Text Loan Website.

Access to small cash loans Up to 100 to 1000 pounds for 1 month.

Fund transfer  : The Funds direct transfer in your bank account.

  • Online application form: Customers fill in the application form.

  • Application is send to lenders: The form is sent to our panel of 40+ lenders for review

  • Online decision : An online decision is provided in minutes (a credit check may be performed by the lender)

  • Get Cash : Funds can only be used for emergency purposes. If approved, funds are transferred into their bank account within the hour or the next working day.

  • Cash For 1 month : Borrow £100 to £1000 for 1 month. Payday Loans are available from £100-£1000 for a period of up to 31 days or your next payday, whichever is closest

  • No Obligation & No Fuss: Payday text loans are fast and convenient with no fuss.

  • Am I Eligible?: A citizen of UK and above 18 years of age with a vaild bank account having regular employment of £500 minimum income is eligible to apply for text loans.

  • Credit Decisions: Lenders may perform a credit check upon application. We are not a lender and do not make credit decisions. Any consumer queries should be directed to lenders.

  • Approval : We cannot guarantee a loan match or approval or loan amount.

 

Quick online payday application

Apply Online in minutes

Our fast and easy application form allows you to apply for the cash you need within minutes.

We search in minutes

Panel of 40 plus lender

You can search over 40 lenders, based on your requirements and criteria. If possible, we will match you with a lender within minutes.

Short term loans

Borrow up to £1000 for short term

Our loans are designed to help with your cash flow and financial issues and are to be repaid on your next payday.

Secure online application

100% Safe & Secure

Any data you submit via textloanuk.org.uk application form is securely encrypted by using a SSL/TLS encrypted session. 100% safe and secure guarenteed.

No charges

No charges, No hidden fees

Our loans finder service is 100% FREE and there are no charges or hidden fees that you need to pay to us.

Experienced Loans Finder Service

247 Customer Support

Our team is committed to offering high levels of excellent customer service and we are committed to Responsible Lending.

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

How It Works

Credit Extra Loans

1. Complete our verification form

It really is easier than you think! Simply fill in the securely encrypted application form with your details and let us do the hard work for you. This step takes no longer than 2 minutes to complete.

2. Read and Confirm

After you complete the application form read and confirm your details are correct and hit submit once you are happy.Our system will then search for a lender to suit you and will provide a decision on screen in moments. If you are accepted, you can check and choose to accept the loan agreement presented you. Your lender will then arrange to send your funds, its that simple.

3. Receive your cash

Funds can usually transfered within the same day if you apply before 3pm. If you apply after 3pm or at the weekend then your funds ill be sent the next working day. Funding times may vary depending on whether your bank accept's faster direct deposits.

FAQ's

What are Text Loans?

The loans available by applying on our site are a short term loan, usually for a period of 1 month that is from 100 to1000 pounds for emergency purposes. If you are accepted by a lender on our panel for a loan then you may receive confirmation by text or by email.

How can I apply for Text Loan??

Applying for a text loan is quick and easy. The procedure is fully online, all you need to do is complete the application form, The form is then sent to our panel of 40+ lenders for review.

You just have to follow these steps:

  1. Fill up the application form and follow the instructions.
  2. The form is sent to our panel of 40+ lenders for review
  3. An online decision is provided in minutes (a credit check may be performed by the lender)
  4. If approved, funds are transferred into their bank account within the hour or the next working day.

 

How will I get my Loan?

 Your loan will be directly transferred into your Bank account.

Do i qualify for a Short Term Loan?

You can apply for text loans if you fulfil following requirements:

  1. You must be a UK resident and be over 18 years of age;
  2. Your minimum income must be £500 net per month;
  3. You must have a valid bank account with a debit card.

What is automatic cash transfer? 

It means your loaned amount is transferred in directly in to your bank account.

Is there any credit check required to avail a loan?

The lenders may perform a credit check on your application so please be sure that you are in a position to pay back the amount that you apply for.

Is there any Application Fee?

No, we won’t charge any amount for using our application form. Some lenders charge a membership fee or an arranger fee so please check the terms and conditions before you agree to taking the loan offer.

Is my transaction and application safe, secure and confidential?

Yes, your details are confidential, this means your information is safe, secure and private.

What if I pay off my loan early? 

Every lender has their own different policies regarding early repayment of loans. Generally, the lenders who accept early repayment provides a rebate on outstanding interest. So you are advised to read their terms and conditions before confirming the loan.

How do I repay my loan? 

Repayment is a simple and hassle free process. The lender will deduct your agreed loan payments from your bank account as per your pre-agreed payment schedule. 

What is APR?

The rules and regulations that govern companies like ours state that we must show you the Annual Percentage Rate (APR). APR's are calculated based on paying a fixed amount of interest annually. Payday loans are normally taken over a maximum term of 31 days so APR's are not the best way to measure how competitive our rates are. Our lenders prefer to focus on the amount you pay back in total rather than on APR.

Diving further in the depth of APR, there's two types of APR:

• Your Personal APR
• Representative APR

Generally speaking, typical payday loans APR can be misleading as you should only take a payday loan over a term of 31 days which in theory, is APR the best termonology for a payday loan? Where as the personal loan APR is over a 12 month term and will include fees, charges and a combustion of credit checks due to the long period.

Are you a direct lender?

No, however we are associated with 40+ lenders who we work with to find the best loan for you for your required cash amount. If you are eligible for a loan, you will be matched to the very best suitable lender for your required cash circumstances and situation. We currently have 40+ lenders on our panel waiting to give you the best loan option for you..

How much can i borrow?

You may apply for anything up to ?1,000 until your next payday.

What are Faster Payments?

The UK Banks Faster Payments Service can reduce the traditional 3 working day BACS transfer to typically a few hours. You will need to check with your Bank that your Account can accept faster payments.

What if i miss a payment or will be late re-paying?

If you feel like you will not be able to repay your loan on time or are having money issues, please contact your lender directly as each lender has different code of practices and terms. The terms and conditions relating to your loan will have been provided to you by the lender before you signed your loan agreement and will have sent you a reference copy to retain.

The consequences of non-payment can include:

• Making it more difficult for you to obtain credit in the future.
• Further interest or charges being applied to your loan as you will need to amend your original loan agreement with an extension.
• If you are unable to resolve the issue with your lender, they may refer you to a third party credit agency.

So please read carefully the terms and policy presented by the lender before accepting your loan agreement. If you are likely to miss or have any problems making a payment you should contact the lender directly.

Is it possible to renew my loan?

We do not recommend to renew your loan but in some cases this can be unavoidable. Some of the lenders may allow renewals of the loan. You are advised to contact your lender directly who will discuss your options with you.

About Us

The operator of this site is not a direct lender. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lenders offer up to £1,000 loans, and not all applicants will be approved for their requested loan amount. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

This site a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending.

Please Read Carefully :-

Non Payment Implications :-

When you fail to repay your loan on time the penalty may imply. The implications of non-payment of your loan amount could include adverse information being included within your credit report. Please be reminded that if you do not repay your loan on time, it may affect your credit score. Nonpayment may affect your credit score and make it difficult or expensive to obtain credit in the future, 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. So we advise that you contact the lender in the first instance.

Credit checks

We do not perform any credit checks however if you have very poor credit, a lender may perform traditional credit checks from a credit reporting bureau. This also depends on the term of your loan.

Important things to remember:

» Don’t borrow money if you know you will struggle to pay it back

» Don’t ignore the situation, contact your lender as your first port of call


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. 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 Judgments), or attempt to enforce, the lenders rights against you under your agreement.

Collection process

We are not involved with the collection practices. If you feel that you will have difficulty re-paying, please contact your lender immediately. The Lenders may have available options for those borrowers who are facing difficulties in re-payment of their loan amount. In case you do not contact your lender by yourself they may have the right to forward your details onto a third party collections agency who will endeavor to recover the debt. It is advised that you must read all term, conditions and policies of lenders before siging up any loan contract with them.

Renewal policy

The payday loan renewal is not recommended by us. However, if you do wish to renew your loan you will need to contact your lender prior to your re-payment date. In most cases renewals will still have the same rates of interest as your previous loan, but it depends over lender to lender. So you are advised to contact your concerned lender in case of your loan renewal and extensions.

Get in touch with us

Our team believes in smooth communication and providing seamless customer service! At Textloanuk.org.uk we always make great efforts for excellent customer care experience. Just fill the contact us form and our help desk executives will respond to any query the same day.

Please Note - We're an online service and DO NOT operate any call centres. We will not call you.

General Enquiries

For general enquiries please email:helpdesk@textloanuk.org.uk

Feedback

We're continously improving our service by feedback given so send us your feedback. Or ALternatively if you are not happy with our service and would like to send a complaint to us, to support@textloanuk.org.uk

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