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

Clever Loans will never telephone you and will never charge you any fees. You should never pay upfront fees for a loan or send money in return for a loan.

Apply For A Loan

Get a quote in 2 minutes, then decide if you want the loan. If you are unsure if you will be accepted, try our QuickCheck

Loan amount £1000
Over how many months?
79.5% APR Representative

Please keep this box ticked and you could have your loan sent within minutes**


Try QuickCheck to find out your chances of being accepted - 100% no credit footprint!

Try QuickCheck to find out your chances of
being accepted with no impact on your credit footprint!

Digitonomy Limited (trading as Clever-Loans) is a credit broker not a lender. All Applications Subject to affordability, UK residents only

Rates between 11.8% APR and Maximum 1721% APR - your no obligation quote and APR will be based on your personal circumstances - we compare small loans from over 30 lenders to get you the lowest APR possible. If you are not successful in finding a loan we may transfer you directly to alternative firms and services, such as credit builder tools, which may charge you a monthly fee.

Our Happy Customers

Apply For A Loan

If you are looking for a quick loan, securing a loan in 30 minutes with Clever Loans has never been easier. We understand that there are times when people need access to a competitive loan in 30 minutes. As a leading broker, we can help you secure a 30-minute loans online, with competitive rates and affordable repayment periods.

How much can I borrow?

If you are looking to apply for a loan of £100 up to a maximum of £5000, our lenders can help. When our lenders receive applications for a loan, they always consider the affordability of the loan based on the details you provide. All of our lenders are authorised and regulated by the Financial Conduct Authority (FCA).

When I apply for a loan can I choose the repayment terms?

Yes, when applying for a loan, it is possible to choose repayment lengths of 3 months up to a maximum of 36 months. The actual loan term available will depend on how much you choose to borrow when you apply for a loan. For example, if you borrow between £2,000 and £5,000, it is possible to choose terms of between 12 and 36 months.

Am I eligible for a loan?

Before you apply for a loan you should check whether you are eligible for a loan. Our lenders will require:

  • A UK bank account
  • A regular income, usually above £750 per month
  • UK residency
  • At least 18 years old

The lenders will need to know your bank details, employment information, address and personal details. This personal and financial information will be used by lenders to determine whether you are eligible for a loan.

Will I be approved for a loan when applying for a loan online?

Instead of completing multiple applications for a loan, in the hope of being approved, our QuickCheck tool will let you know whether you are likely to be approved before you apply. There is no credit check and you will be provided with an instant result.

What is the cash loan application process?

Our aim is to make applying for a loan as simple and quick as possible. If the QuickCheck tool shows that you are likely to be approved, the next step is to complete our short online form. Simply tell us how much you would like to borrow, the ideal repayment period and a few key details.

How do I find the most competitive loan quote?

When applying for a loan, we compare quotes from up to 40 lenders, so you receive the most competitive loan quote. Instead of comparing multiple quotes, you will be provided with the best quote available. We work with a variety of lenders which offer a range of APR’s, based on your credit rating and other factors, such as the repayment period and the amount you are looking to borrow.

When will the loan be paid?

If you decide to accept your loan quote, the lender will then finalise your application and conduct a hard credit check. If accepted, your loan could be paid into your bank account within minutes. Although, the final availability of your loan will depend on your banks policies and procedures.

Will a credit check be carried out when I apply for a loan?

When you complete your initial application on our website, a soft search of your credit file will be conducted to help us match you to the ideal lender. If you choose to accept your loan quote, the lender will complete a hard check of your credit file before finally approving your loan. The result of the credit check will not be the only deciding factor, our lenders will also assess your ability to comfortably make the loan repayments.

Why choose Clever Loans?

As a reputable loan broker, we are authorised and regulated by the FCA (Financial Conduct Authority). Although we aim to arrange easy to understand loans with convenient payment terms, it is important to ensure the loan is affordable. To discuss your finances with a free and impartial organisation, we recommend contacting Step Change or Money Helper.

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender.