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.

Borrow Money Online From a Range of Lenders

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

Borrow Money Online

Here at Clever Loans, we can help individuals looking to borrow money online. There are many different reasons that can lead someone to look into where and how to borrow money online, with a range of emergency financial situations, whether car repairs, home repairs or any other unexpected cost.

Where is the best place to borrow money online?

There is not necessarily one best place to borrow money online, but here at Clever Loans, our innovative tool allows us to compare up to 20 lenders and find the best quote for your specific financial requirements.

How reliable are our lenders?

At clever-loans, we are not a lender ourselves, but we do ensure that all of the lenders we provide loan quotes for are fully authorised and regulated. This ensures that when you borrow money online, you are only dealing with regulated lenders.

How long does the loan take to arrive?

We understand that for many people who are looking to borrow money online, they are seeking to access their loan funds as soon as possible. With this in mind, a quote is provided at the end of your application, which if proceeded with, could see you receive your money in minutes** after being accepted, depending on bank processes.

How much can I choose to borrow?

You can borrow money online for loan amounts ranging from £100 to £5,000, with varying lengths of repayment terms depending on the amount you borrow.

What is the lending criteria?

The lending criteria to borrow money online in the UK, via a short-term loan, comes down to a few key elements. The key criteria you need to fulfill to be accepted for a short-term loan are to be:

  • at least 18 years old
  • a UK resident
  • in possession of a bank account with a valid debit card
  • receiving regular income – directly into your bank account
  • able to provide a valid email address and phone number

When you use Clever Loans to find the ideal short term loans quote for your financial requirements, our online loan broker service will search across only FCA authorised and regulated lenders, providing you with a quote from the direct lender who you are matched to using the details you provide in your application.

What will my repayment terms be?

Your specific repayment terms depend on a few key elements, namely the specific amount you want to borrow, your APR and the number of months you have chosen to repay the loan over. We ensure you are provided with the best possible quote for your current financial situation and all repayment terms are clearly stated.

Example Repayments*

*These are indicative quotes only based on a £1500 loan over 12 months.

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.

How do I move forward with applying?

To move forward with your application, enter a few simple financial requirements on our form and Clever Loans will search our panel of lenders to provide a loan quote to best fit your financial needs. If you want to apply for the quoted loan, the direct lender will complete a few checks, and if you are accepted your loan could be with you today.

Remember: You should always think through the financial implications of any loan and ensure you can keep up with repayments. If at any point you are struggling to meet repayments, contact an organisation such as Money Helper for support and guidance.

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.