When it comes to unsecured online loans there are many options available to you, so you really do need to do your homework to make an informed decision. The great thing about an unsecured loan is that you don’t need to put up any collateral, such as your house or car, to secure the loan, but due to the lack of collateral the interest rates tend to be higher than that of secured loans.

Once you have decided how much you wish to borrow, the first thing to look at when choosing a lender is the total amount you will end up paying back. Take note of charges other than just the interest rate e.g. administration or bank transfer fees, and be sure to add these on to find the total cost of borrowing. It’s also worth checking the late payment policy (including penalties) that the loan provider has in place, just in case unforeseen circumstances arise. Online lenders have a set of criteria to assess loan candidates such as being 18 and over and having a debit card and UK bank account. Other aspects that lenders look at are character including criminal records, proof of income and your credit history. The credit history considers such things as late loan payments and defaults. So before applying for a loan ensure that you meet all of the lender’s criteria.

The type of online loan provider to choose depends on the amount you wish to borrow and for how long. Online banks (including many of high street banks that also operate online) can provide £5,000 to £25,000 for a period of 2 to 7 years with an APR of around 10%. Short term lenders or payday loan companies provide small loans with larger interest rates but you pay these back on your next payday.

Since payday advance lenders vary its worth taking a look at our payday loans directory to find one that meets your needs. One short term lender that stands out is Wonga.com for its flexible loans and transparent cost structure. Payday advance loans have dramatically increased in popularity since mid 2007, largely due to the economic downturn, so be sure to look for transparency amongst the vast number of lenders out there.

Short Term Loans rescue UK consumers in dire need

When UK consumers need instant cash and have literally nowhere to turn for help, a short term loan is often the only solution. In today’s credit crunch, an unexpected financial crisis is not uncommon and more UK consumers are applying for short term loans which can be repaid within 30 days.

People all over the UK have been affected by the economic downturn

When even the friendly, neighborhood bank manager is forced to turn away hard working UK consumers,  short term UK lenders will often say ‘yes, we can help‘, making short term loans a favorite alternative to traditional sources of credit.  Finding a short term loan online, for instance, is a discreet, easy and convenient way to tide someone over until payday; short term loans are unsecured, bad credit is irrelevant and the cash is  often deposited on the same day to a borrowers valid, UK bank account.

There are a variety of short term loans to choose from

UK consumers browsing the Internet for a fast, short term cash loan will quickly find themselves sifting through a sea of links to UK lenders offering a variety of cash loans. There are several types of short term UK loans, for example, here are just a few of the more popular short term loans you may find online:

Payday loans:

You can take out a short term, payday loan ranging from £100 to £1000 with several online UK lenders. Payday loans, (aka ‘payday advance’ or ‘cash advance’ or ’same day cash UK’) help you bridge the gap until payday and are usually repayable within 30 days. You should always payback your short term, payday loan as quickly as possible, as extending it could be quite costly. Learn more about reputable lenders offering short term payday loans in the UK.

Bridging loans:

Business owners may apply for a bridging loan if they are in need of funding, while homeowners do so if they wish to purchase a new flat or home without selling their current property. This type of short term loan usually ranges from £3,000 - £5 million, (depending on the lender) and is payable from 1-12 months. Although the length of this type of short term loan is longer than a payday loan, it is still considered a short term loan. Bridging loans may require collateral. A bridging loan can also be taken out to pay for a holiday, a wedding or when you simply have an urgent financial problem.

Unsecured personal loans:

Unsecured personal loans are usually offered by traditional lenders, such as banks. Unsecured loans require no security, which means you do not have to place your car or home as collateral. With unsecured loans, most UK lenders will want to know where and how you intend to use the money. It is a short term loan which is offered specifically from a large banking institution.

Short term loans, such as payday advance loans, are widely used in the UK

They are designed to help hardworking people get through some of the most difficult financial scrapes. Plus, applying for a short term loan is quite simple and non-invasive. If you have a steady income, are over 18 and have a UK bank account and valid debit card, you can borrow from £80-£1000, usually within minutes. Most short term, UK loan agents require no credit checks or complicated paperwork and most often deposit the cash loan in your account on the same day if you are approved before a certain hour.

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Emergency cash loans are easy to come by BUT consider this…

If you search the Internet for an emergency loan, Google UK will return literally thousands of results but when you’re under pressure and in a serious crisis, sorting through endless pages of links to emergency loan providers in the UK is far from practical.

If it is your first time applying for an emergency cash loan, you may discover that some UK loan providers limit the amount of your loan to £100 or £200. Responsible lenders are more likely to limit emergency loan amounts for new customers because they want to establish a relationship and secondly, they don’t want you to bite off more than you can chew, so to speak.

Responsible lenders are just as willing to extend emergency loans to UK consumers as less, reputable, common UK lenders however, you may find that responsible lenders will charge a lower interest rate, making their loans a more reasonable option. Responsible lenders are able to provide UK consumers flexible, low rates, even for emergency loans, because they limit their over-all risks and curb their losses over time which means the savings are passed on to the customer. First time borrowers in need of money, particularly during an emergency crisis may not initially appreciate this gesture, but in the long run, reputable lenders that limit your first time loan are doing so because they truly value your welfare and wish to uphold the primary goal of the emergency loan industry - to help people out of a serious pinch.

Emergency loans do not require you to have good credit, in fact, most payday advance lenders don’t perform credit checks at all. The reason credit checks are bypassed is because the on-going credit crunch is one of the core reasons why people are finding it hard to make ends meet in the first place. Traditional banking institutions have put so many in an awful pinch and the only help UK consumers can turn to these days are emergency cash lenders that are willing to look the other way and put their trust in the human being sitting in front of a computer on the other side. To an emergency cash lender, you are not just another number, you are most likely a responsible hard working, person, with a steady income, caught in a fix and in need of a helping hand. Or perhaps you need the money for something other than an emergency, it really is unimportant to the cash lender how you will use your loan; what’s important to the lender, particularly a responsible lender, is that you can afford the loan. Reputable UK lenders don’t want to exacerbate ones financial problems, they want to help people which is why finding a responsible lender is vital to your long term financial welfare. During an unexpected emergency, don’t overlook the importance of finding a responsible lender in the UK.

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Do I qualify for a fast cash payday loan?
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