Applying for easy loans in 3 steps

Easy loans are short term loans that are quick to apply for and give you fast access to the money you are borrowing. Many lenders will let you apply for a loan online quickly and easily. You could apply from your own home using your laptop or phone, without needing to go and visit a branch or fill in lots of paperwork.


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Representative 49.7% APR. Representative Example: Amount of credit: £1,200. Interest rate: 0.34% per day for up to 75 days (25.5% (variable) per annum). Representative 49.7% APR (variable). For example, if you borrow £150 for four days, the interest per day would be £0.51 and the total interest would be £2.04 representing four days at £0.51 per day.
Choose Wisely is a trading style of Choose Wisely Limited and is a free to use price comparison website. Choose Wisely Limited is authorised and regulated by the Financial Conduct Authority as a credit broker not a lender, firm reference number 730574 and is registered with the Information Commissioner’s Office number Z3106681.

A quick, easy way to get a easy loan today.

  • Borrow from £300 to £10000.

  • Choose between lenders who have accepted your application.

  • Absolutely no fees, ever.

Representative 49.7% APR.

How to get a easy loan in 3 simple steps.

Affordability assessment.

1 form - takes 2 minutes to complete and your data is 100% secure.

Compare products.

Choose from lenders that have accepted your application.

Speedy finance.

If approved, the cash can be in your account in as little as 15 minutes.[†]

Table of contents

Written by Inez Miedema
Read time: ~5 mins
Published: 5th March 2020 Updated: 9th September 2020

What are easy loans?

Easy loans are great for people who are self-employed, employed, unemployed and/or are receiving benefits. They can be a good stop-gap to cover a sudden emergency until your next benefits or pay comes in. To apply, you will need proof of your identity, address and income and will need to be a UK resident with a UK bank account.

How to get easy loans?

Using a search engine to find payday loans will show you links to lots of different loan providers. If you have lots of time and patience, you could look at each lender's website. It can be hard to know which lenders will lend to you, as everyone has different personal circumstances. You could apply to lenders until you find one that will lend you money, but each time a lender turns you down, the rejection will be stored in your credit history. Therefore, applying at various lenders is a bad idea. The many marks on your credit score can make it even harder to borrow the money you need.

Instead try using a loan broker like Choose Wisely who is integrated with a wide range of lenders. We can get you a quick overview of which lenders will accept your application and at what cost.

Choose Wisely has three easy steps to getting a loan:

  • First, fill in a short affordability form, which takes two minutes to complete. Here, you'll give details of your income and regular payments you need to make.
  • Next, we will show you all the lenders who will accept an application from you, so that you can choose the best deal for you.
  • Finally, if your loan is approved, the cash can be in your account in as little as 15 minutes. However, the time it will take to receive the funds will depend on your lender and bank account provider.

How to get easy loans with bad credit

If you have a bad credit history it can be harder to get an easy loan, but it may still be possible. You can never assume loan approval is guaranteed but some lenders will consider applications and lend money to people with a bad credit rating or no credit history. You may be limited to borrowing a small amount, and the loan might cost more than other forms of borrowing. Choose Wisely will send your details to a range of carefully chosen lenders and let you know who is most likely to give you a loan.

Get the right bad credit loan

Need more information on bad credit loans and how to get accepted?

Which payday loans are easy to get?

Payday loan lenders are less selective than traditional lenders because the loan amounts involved are lower. So, all payday loans are relatively easy to get unless you have a very poor credit rating. If you work with an expert such as Choose Wisely, you will have help in finding the right payday lender.

Where to get easy loans with bad credit

There are various places you can get easy loans:

  1. It is possible to apply for loans in person at a bank branch

  2. You can find a loan with one of many specialist online lenders, specifically on those lender’s websites. However, unless you have an in-depth understanding of their lending criteria, you could end up making multiple applications and find yourself rejected each time. This will have a negative effect on your credit rating.

  3. TMany lenders have specialist call centres. You can find the customer support phone number of the lender you are looking to apply with on the direct lender UK website.

There are lots of direct lenders online, but it can be time-consuming to find and sort through all the different loans on the market. Choose Wisely makes it easier and quicker for you to get the loan you need. We compare many lenders and show you the lenders that are most likely to accept your application, taking the time and stress out of getting fast easy loans, and protecting your credit rating from failed applications.

Easy loans FAQs

Is it easy to apply for a loan?

Yes. Our easy, online 3 step process will show you in minutes which loans you are most likely to get. Using our easy process, money could be in your account as quickly as 15 minutes, depending on your personal circumstances and the lender you choose.

What documents do I need for a quick & easy loan application?

You will need to fill out our form - which will take you a few minutes. Once you select the lender you prefer, you might need a proof of address, proof of ID, and proof of income.

The lender could ask you to send a picture of:

• Your driving license

• Your passport

• Proof of your address such as a council tax bill

• A recent payslip

• UK bank statements

Written by
Inez Miedema
CMO & Take Control Author at Choose Wisely

Inez came on board in the Summer of 2019. Her main focus has been helping as many people as possible find our website through online marketing, writing content and partnership deals. She boasts 6 years of FinTech experience with other brands and has an in-depth knowledge of our customers.

The quickest way to find the best easy loan for you.

No obligation. 100% secure.

Important Information.

All of the information in this guide is correct at the time of writing.

Rates shown are quotes based on your personal circumstances, are subject to status and are available to those aged 18 and over. Rates available range from a minimum of 3.9%APR to a maximum of 1575%APR Representative and loan repayment periods range from 3 to 60 months.

[*][†] Once accepted, your loan can be transferred to you in as little as 15 minutes. The time that it takes for the loan to show in your bank account will depend on your lender and your bank.

If you need financial advice you can visit stepchange, speak to citizens advice, call the national debtline or speak to

If you've been declined, please refer to your credit report to gain an understanding of why before making further applications.
Your score can be accessed for free via any of the main credit reference agencies such as Credit Karma, Clearscore or Experian.

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