Lending Stream Short-Term Loan
Lending StreamAmount
£50–£1.5k
Term
3–6 mo
Type
personal
Approval
Minutes
Best for: Individuals with low credit scores needing quick access to small amounts of cash for emergencies.
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Amount
£50–£1.5k
Term
3–6 mo
Type
personal
Approval
Minutes
Best for: Individuals with low credit scores needing quick access to small amounts of cash for emergencies.
Amount
£1k–£500k
Term
1–24 mo
Type
Business
Best for: These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.
Amount
£1k–£30k
Type
debt_consolidation
Best for: HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.
Amount
£500–£5k
Term
3–36 mo
Type
personal
Approval
Instant
Best for: Existing Starling current account holders with a solid credit score seeking a quick, app-based personal loan.
Type
buy_to_let
Best for: Landlords wanting a reliable BTL specialist with fast turnaround times and Starling Bank backing
Amount
£3k–£25k
Term
24–60 mo
Type
hire_purchase
Approval
Same day decision
Best for: Best suited for individuals with CCJs, defaults, or low credit scores seeking a straightforward hire purchase agreement.
Type
credit_builder
Best for: Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.
Amount
£10k–£500k
Term
72 mo
Type
Business
Best for: It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
Amount
£1k–£25k
Type
debt_consolidation
Best for: Existing Barclays customers who want a seamless in-app experience with the flexibility to top up borrowing later.
Amount
£1k–£35k
Term
12–60 mo
Type
personal
Approval
Minutes
Best for: Individuals with good to fair credit who need flexible loan amounts for personal expenses.
Amount
£5k–£500k
Term
60–360 mo
Type
home_equity
Approval
Funded shortly after approval
Best for: Homeowners with significant equity seeking flexible financing options without remortgaging.
Amount
£4k–£100k
Term
12–60 mo
Type
car_finance
Approval
Same day decision
Best for: This option is ideal for UK residents looking for a reliable lender with quick approval times and a range of financing options.
Type
credit_builder
Best for: Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.
Amount
£1k–£50k
Type
debt_consolidation
Best for: Borrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.
Amount
£1k–£25k
Term
12–60 mo
Type
personal
Approval
Same day
Best for: Straightforward borrowers who want a no-nonsense loan from a recognised high-street bank.
Type
buy_to_let
Best for: Rate-conscious BTL landlords wanting the lowest possible fixed rates
Amount
£1k–£75k
Term
24–60 mo
Type
car_finance
Approval
Decision in 60 seconds
Best for: Best suited for UK residents looking for competitive rates on car loans with access to various lenders.
Type
credit_builder
Best for: People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.
Amount
£1k–£50k
Type
debt_consolidation
Best for: Borrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.
Amount
£1k–£25k
Term
12–60 mo
Type
personal
Best for: Ideal for those seeking quick access to funds and who may have building credit profiles.