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.

A Guide of How to Borrow Money Responsibly

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

There are a variety of reasons why you may need to borrow money, but one of the most common in relation to a short-term loan is an emergency financial situation, such as a house or car repair, that requires you to secure funds quickly and then repay them over a manageable timescale. Here at Clever Loans, we can help you to find the ideal loan option to borrow the money you need.

How do I know the right place to borrow money?

There is not one specific ideal lender to borrow money from, but at Clever Loans, we help individuals and families to find their best option by comparing up to 20 lenders and then providing you with the quote that best fits the loan amount and timescale you requested.

How reliable are our lenders?

We have full confidence in the reliability of our lenders, as we ensure that any lender we work with for our clients to borrow money from is fully FCA-regulated and all loan terms are clearly defined.

How long does it take to receive my loan?

We appreciate that receiving your funds as soon as possible is a key requirement for those looking to borrow money to deal with an emergency financial need. If you are accepted by the direct lender that provided a quote, you could have your funds in minutes**, depending on internal bank processes.

What amount can I choose to borrow?

The loan amounts offered range from £100 to £5,000, with a range of repayment lengths depending on your exact requirements with regards to how you want to borrow money at the present time.

How do I qualify to borrow money?

There are a few key criteria for any short-term loan application in the UK, with all borrowers who are seeking to be accepted for a loan needing to ensure that they:

  • are at least 18 years old
  • are a UK resident
  • have a bank account with a valid debit card
  • receive regular income – directly into your bank account
  • have 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 progress with applying to borrow money?

If you're ready to progress with your loan application, simply fill out a few key financial details on the form here on our site, and you will be provided with an instant quote that best fits your financial needs. If you are happy with the quote and want to apply, the lender will perform a few quick checks, and if they accept your application, your loan funds will be with you shortly.

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.