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Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

  • Fast Quote
  • Bad Credit Considered
  • Safe and Secure
  • 24/7 UK Service

Where Can I Borrow Money in the UK?

Many loans are only available if you meet strict criteria, but others are more flexible. Here are some of the main places you can borrow money.

  • Bank

    Banks are the first place that many people turn to when they need money. They offer a wide range of products, from overdrafts and personal loans to credit cards and mortgages. The main advantage of borrowing from a bank is that you can usually get access to a large amount of money.

  • Government

    The UK Government has several schemes and initiatives for people who need financial support. One of these schemes is the budgeting loans and budgeting advances, which you can get if you are on a low income.

  • Direct Lender

    One of the best ways to get a loan is from a direct lender. A direct lender means that you borrow money directly from them. You don't have to go through any other organization for your loan.

  • Online Loan Broker

    The most effortless way to borrow is to consult a professional broker like CocoLoan. Brokers do not provide loans themselves but help you get in touch with lenders who will consider your application and could provide you with finance if you are eligible.

How Much Money Can I Borrow?

CocoLoan matches you with one of our selected lenders, who will give you a loan based on your application and eligibility. Amounts range from £100 to £5,000 with repayment terms ususlly between 1 to 24 months. Rates vary depending on the lender you are matched with.

How Can CocoLoan Help Me?

  • Online Application

    Our intuitive application form is easy to fill out. We've streamlined the process so that it takes just minutes to apply online. As soon as you submit your details, we will find the best loan lender for your circumstances from our list of lenders.

  • Instant Decision

    The whole process is pretty straightforward. Once your submission is sent to our lenders, they will give you an instant decision on your application. It doesn't matter what time of the day you apply, you'll get a response immediately.

  • Swift Money

    As long as you have reached an agreement with your lender, the funds will be directly transferred to your bank account in a swift manner.

Why Choose CocoLoan to Borrow Money?

Connected with Reputable Lenders

We only work with reputable lenders who are bound by laws and regulations. As such, you can be sure that your personal information is safe with us. We make sure they abide by fair lending practices that are designed to protect you.

Fully Regulated and FCA Certified

We are fully regulated by the Financial Conduct Authority, which means we can help you borrow money with confidence. We work with some of the most trusted lenders in the industry, so whatever your reasons and circumstances, we can help you find the best lender.

Fast and Transparent

Our application process is quick and easy, allowing our lenders to provide you with an instant decision. The best part is, we do not charge broker fees for our service.

Frequently Asked Questions

  • How Quickly Can I Get My Cash?

    Once you agree to the terms and conditions, the lender will send the money to your account. The actual time you will access the funds may vary. It depends on external factors like how long it takes your bank to accept incoming payments, processing speeds, and whether it is a weekday or the weekend.

  • Do I Need a Guarantor When Borrowing?

    No, you don't need a guarantor when borrowing from CocoLoan. We have a panel of lenders who can help you get the money you need, even if your credit is less than perfect. When you apply for a loan, we will review your application, do a background check and assess your credit score.

  • How does CocoLoan Access My Application?

    We're a payday loan broker, which means your application through our platform will be directly sent to all the lenders we’re partnered with. Different lenders use different criteria when accessing your application, such as credit history, financial situation etc.

  • Are There Any Tips for Borrowing Money?

    • Do not borrow from just anyone.
    • Be sure to know the person or company you are planning to borrow money from.
    • Make sure you can afford to pay back the loan with interest.
    • Do not borrow more than you will be able to pay back on your next payday.

Get Started with CocoLoan to Borrow Money Now!

Our service is available round the clock, 24/7. We are always open to helping you get the money you need!
So apply online today!

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