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

£50 to £25,000

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Payday Loans

£50 - £995

Tick - OrangeOnline decision

Tick - OrangeResponsible lenders

Tick - OrangeRates 278% to 1576%

Tick - Orange3-12 month repayment

Personal Loans

£1,000 - £25,000

Tick - OrangeInstant Decision

Tick - Orange60-Second Application

Tick - OrangeRates 4.7% to 278%

Tick - Orange3-36 month repayment

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances.
Not all loan types and amounts are eligible for 20 minute payouts. Your chosen bank may increase the time you receive the funds.

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Quick and Easy Application

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Loans Paid Out Today

One of the fastest payouts available, most receive their money within 15 minutes.

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Loan amount
1,000 - 7,500
Loan term
12 - 60 months
Customer Scores
Great Customer Service
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Loan amount
1,000 - 10,000
Loan term
12 - 60 Months
Customer Scores
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What you need to know about 400 loans

400 loans can help you cover different expenses and financial needs without much delay. From paying off utility bills, purchasing a gift for your son’s birthday, or dealing with just about any important expense you can think off that’s worth 400 pounds, the financial products are simply perfect for dealing with emergency finances. But what are these financial products anyway and how can you obtain them today in the UK? Would your credit rating get in the way of becoming approved? These are some of the important questions that we will tackle today.

Are 400 loans personal loans?

400 loans are like traditional personal loans in a way that they are unsecured which means that there is no need to offer some form of collateral to obtain them. They are different however, because personal loans have a minimum borrowing amount and this amount is generally £1,000. Now if your need for funding is below £500, then taking out a 400 loan should suit you best.

The most common types of 400 loans in the UK are payday loans. The financial products allow you to borrow small amounts of credit anywhere from £50 to as much as £1,000 which you will have to pay back in your next payday – as the name suggests.

The best thing about this form of borrowing is that your credit rating will normally not be a factor in getting approved. This means that you can still secure 400 loans even if you have bad credit. The lender will then subtract the money that you borrowed in your checking account once your paycheck arrives.

why choose 400 loans

The seamless process of taking out 400 loans

400 loans are one of the fastest and easiest forms of credit to access in the UK today. If you want to apply for the financial products online, you will normally just have to cover these basic steps:

  1. Completing an online application form on the lender’s website
  2. Providing relevant documents and information that will help verify your identity and finances
  3. Receiving an approval response in a matter of minutes
  4. Then simply withdrawing the loan amount that will be deposited into your bank account in the same day or the next business day at the soonest

Given the kind of ease and speed that they provide, 400 loans are one of the best options you can consider if you want to get out of a temporary financial crisis.

Where you can use 400 loans

400 loans may not be able to help you much in purchasing a new car or house but when you’re dealing with an electricity bill that will be due in the coming days, instant 400 loans can be a lifesaver. If you’re short on cash and the next payday is still several days away, then having extra 400 cash would help you purchase groceries and cover other essentials before your paycheck arrives.

Or perhaps your heater went down without notice and you need to get it back up and running quickly or else you’ll freeze in the winter cold? Oftentimes, we only realize the value of our home appliances when they cease to work. Thankfully, 400 loans will help you pay for an expert technician to complete the necessary repairs.

400 loans without credit check

If you’re worried that your credit history will become a major hurdle in obtaining the quick funding that you so desperately need at the moment, then 400 loans with no credit check are something that you might want to consider. As its name suggests, the financial product will bypass credit checks that lenders normally do when they evaluate a loan application. This means that you can still get approved regardless if you have a low or zero credit score. Keep in mind, however, that the lender will still look at your income if it’s enough to approve the loan that you are applying for. Simply put, if you have bad credit but have a stable source of income that can afford the loan’s repayments, then getting approved would be easy.

The numerous benefits of 400 loans with no credit checks

400 loans with no credit checks were designed to cater borrowers who are in emergency financial situations. For this reason, the loans are often tailored to an individual’s unique needs and circumstances. This allows borrowers to enjoy several advantages including:

  • Accessible forms of credit that can be obtained at any time of the day including holidays
  • Can cater different borrowers with different credit ratings
  • No hidden fees and charges
  • Quick and easy loan products that can offer instant funding in a matter of hours after your application is approved within a day

The loans are also one of the best ways to rebuild a damaged credit rating. If you manage to keep up with your repayments on time, it will consequently boost your credit score. With a better credit rating, it would be easy for you to apply for other loans for bigger amounts in the future.

How to secure 400 loans with no credit check

400 loans are short-term, unsecured forms of credit which mean that there is no need to offer any form of an asset as collateral to get approved. This also means that you won’t face the risk of having your home or property repossessed by a certain bank or lender if you find it difficult to keep up with your repayments.

There are also instances wherein lenders will require you to offer a guarantor who will guarantee that the loan’s repayments will be made to be approved of credit especially if you have a poor or non-existent credit history. This however, is not the case with 400 loans. They are simply quick and easy forms of borrowing that will help you secure small amounts of credit without much hassle and delay. What’s more, you can even obtain them online making it easier for you to deal with any emergency situation without driving yourself to the nearest bank or lender.

why choose 400 loans


Loanize is a licensed credit broker and not a lender.

We will never charge you for our service and the lender will not increase the rate to cover our fee to them.

We work with over 40 different lenders to bring you the very best rates from across the UK market.

Representative Example: Borrow £200.00 for 60 days. Repay in 2 payments, first payment in 30 days
Each Payment: £147.04. Total Repayment: £294.08, Interest: £94.08.
Interest p.a: 365%(fixed). Representative APR 1058%

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

Do not borrow more than you can pay back as defaulting on payments can lead to serious monetary problems.

Any collateral you have against the amount may be at risk of repossession.

Finding the Right Loan for You

There are many kinds of loans that you can get while using a guarantor. We have divided our site to focus on specific kinds to make it far easier for you to make sure you are getting the finance plan you are looking for.

If you are looking for something specific then check to see if our sub-sites cover what your after. If they don’t just get in contact with us and we will definitely be able to help.

5 most recent personal loan reviews

Review of Ikano Bank

Honest, realistic and genuine, I can't say anymore than that. I had problems with credit in my past that were cleared but unfortunately my credit score was very poor but thankfully Ikano loans gave me a chance to rebuild that. High rates, but that's expected when getting a loan with such bad credit. Thanks again for your support.

Review posted by Peter Harrow, Thornbury

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

Review of Money Guru

Excellent communication and a very quick and easy process. Authorisation telephone call was conducted by a friendly and polite lady who explained everything clearly. Would highly recommend this company.

Review posted by Melanie Steele

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

Review of Satsuma

The service was simply amazing. I have never taken loans service seriously, my view point has now changed. I needed the money for flight tickets to attend a funeral and I could have not been dealt with in such an amazing manner. The interest rate was also better than I expected. Certainly will be paying the money back early as this was really an emergency and a life saver.

Review posted by Wayne Crouch, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews acquired from trustpilot.com for authenticity.