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.

What sets us apart from the rest

Quick and Easy Application

No one wants to spend all their time filling out over complicated forms.

Personalise Your Loan Needs

It is no good applying for too much or too short a period – Make your loan your way.

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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Can you obtain Safe Loans in the UK online?

If it was 20 years ago, taking out safe loans meant applying for banks, credit unions, and other traditional lending institutions through their physical stores or offices. Today however, the internet has opened up a flood gate of different types of loans that provide numerous advantages and conveniences.

But the question now is, is it possible to obtain safe loans in the UK today through the internet? It’s an important question to answer given how online financing tend to have competitively low rates with quick and seamless applications that can cater different borrowers even those who have poor credit histories.  Fortunately, the answer to this question is a resounding YES so long as you apply for an online lender that is legit and licensed by the FCA or Financial Conduct Authority.

why choose safe loans

How Safe Loans are Processed Online

Ensuring that every bit of information that you share in your application is kept genuinely private and secured is one of the most important things that you need to consider when you apply for a loan from a lending company, whether it’s from banks or online lenders. Since all your personal and financial data will be relayed remotely through a network when you apply online, it means that it won’t be free from some form of outside hacking and tampering if the online lender does not have an effective security system in place.

Fortunately, online lenders utilize advanced encryption technology to ensure that the safe loans they provide will be impenetrable from illegal use and access.  In fact, majority of legal online lenders utilize the same encryption systems from banks to safeguard any and all information that their applicants share through their online application.

How to make sure that you are applying for safe loans

It’s natural for someone to be vigilant when applying for loans online given the number of scams, identity theft cases, and malicious parties that prey on unsuspecting consumers in the World Wide Web especially when it comes to financial products. To ensure that all your information will be kept secured and private, you can follow these simple but effective steps:

Apply for a lender that is FCA licensed and trustworthy. It should display appropriate information regarding its FCA license and other credentials, the address of its physical office, and the ways in which you can contact one of its representatives in its website. Try to contact the lender on the phone number that it presented in its site before applying so you will know if they are indeed the right place to obtain safe loans.

Safe loans online are made possible through advanced encryption technology. You will know immediately if a website is encrypted if it has an “https” at the start of its web address. An encrypted website also shows an image of a closed lock and the word “Secure” before its web address.

If you are applying for a loan in an internet cafe or in a crowded place like a public train or in the mall through your smart, be sure that no one is looking. Try to position yourself in a corner in an area where the nearest person is about three feet away in your front and side but make sure that no one is in your back. If you want to play it safe, you might want to apply for safe loans online right at the very privacy of your own living space.

Don’t use your usual password when you log in and apply for safe loans online so when it becomes hacked, your other accounts won’t become jeopardized. Also, try to use a password that is more than 8 characters long with a combination of numbers and upper and lower cases just to be sure.

Securing a printed copy of your safe loan transactions is ideal so you can show something as proof in case you encounter any problems or errors in your loan agreement. However, be sure that the printed copy is kept safe in a secured location like a locked drawer or cabinet file. If you no longer need the copy, be sure to burn it, throw it away in the thrash, or shred it to tiny pieces so no one will have access to your financial records.

Features of safe loans online

Safe loans online provide feature that you won’t find with other traditional loans from banks and other brick and mortar lenders. Some of the things that you can expect to enjoy when you obtain the products include:

Safe online transactions – Online lenders that offer safe loans maximize the security benefits of state-of-the-art encryption technology so they can guarantee the privacy and safety of their customer’s information once they apply for their financial products over the internet.

FCA regulated financial products – The FCA or Financial Conduct Authority is the UK lending industry’s watchdog and throughout the years it has established certain rules and regulations designed to protect borrowers from exploitative deals and the like. Safe loans are regulated by the FCA which means you can expect to enjoy financial products that are not only legal but also has your best interests in mind.

Fast transfers of approved funds – There are safe loans online, typically those that are short-term in nature, that can help you enjoy the funding that you requested for in the same day or the next business day your application was completed and approved.

Rates lower than banks and other mainstream lenders – The beauty about online safe loans is that they are offered by lenders who do not operate through an army of employees nor maintain a castle for an office. The operating costs they follow are significantly lower than banks and other conventional lending institutions which allow them to offer relatively lower interest rates as a result.

Most of the time, you can obtain safe loans online without encountering any problem whatsoever so long as you follow the effective guidelines mentioned above. This way, you can enjoy reliable funding with all the advantages and conveniences that an online transaction can offer such as 24/7 access in virtually any place as long as you have device that can connect you to the World Wide Web, efficient transactions, faster turnaround times, and cheaper interest rates as well.

why choose safe 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.