Borrow up to £5,000.
Decision in minutes.
🤝 Helping UK borrowers since 2020. Over 1 million applications and counting.
Rates from 49.9% APR to 1335% APR. The minimum Loan Term is 3 months. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of £92.12. The total amount repayable is £1,658.16. Interest amounts to £658.16, an annual interest rate of 65.67% (fixed). Representative APR: 89.5% (variable)
* Same day payout is subject to lender processing times and your bank's clearing policy. Not all lenders offer same day payout.
Why choose Mini Money?
See how we stack up against other brokers — and why thousands choose us every month.
| ✓ Mini Money | Other Brokers | |
|---|---|---|
| Free to use | ✓ Always free | May charge fees |
| Credit score impact | ✓ No impact | Hard searches possible |
| Lender panel | ✓ 30+ FCA-regulated | Limited panels |
| Decision speed | ✓ Instant decision | Hours or days |
| Obligation | ✓ No obligation | May pressure you |
Three simple steps to your loan
Three quick steps between you and a loan option that fits your situation.
Tell us what you need
Choose your loan amount between £100 and £5,000 and give us your email. It takes less than two minutes and won't affect your credit score.
We search our panel
We match your details against our panel of 30+ FCA-regulated lenders to find loan options that suit your circumstances.
Get your money
See your matched offer, check the full terms including APR and repayment schedule, and decide. No pressure, no obligation. If approved, funds can land in your account the same day.*
Built around you
We're not a lender. We're a broker that works for you — matching you with the right option from our panel of 30+ regulated lenders.
One search, 30+ lenders
One application reaches our entire panel so you don't have to shop around yourself. Compare offers in one place.
FCA regulated
Authorised and regulated by the Financial Conduct Authority (FRN 1036139). Your protection matters to us.
All credit histories welcome
Our panel includes lenders who consider applications from people with less-than-perfect credit histories.
Fast and mobile-friendly
Apply from your phone in under 2 minutes. Most applicants see their matched option within moments.
Free to use
We never charge you a penny. Our service is completely free — we're paid by the lender if you choose to proceed.
No obligation
Getting a quote doesn't commit you to anything. Review your options and decide — you're free to walk away at any time.
What you should know before applying
Borrowing money is a serious commitment. Here's what to keep in mind.
We're a broker, not a lender
Mini Money is a credit broker. We match you with lenders from our panel — we don't make lending decisions or set interest rates. Any loan offer comes directly from the lender, and you're under no obligation to accept.
Missed payments affect your credit file
If you fail to make repayments on time, your lender will report this to credit reference agencies. This can negatively impact your credit score and make it harder to obtain credit in the future — including mortgages, mobile phone contracts, and car finance.
Additional charges may apply
Lenders may charge late payment fees or additional interest on missed repayments. In some cases, lenders may use Continuous Payment Authority (CPA) to attempt to collect payments from your account.
Think before you borrow
Consider whether you really need the loan and whether you can afford the repayments. Our free money guides can help you understand your options before you apply.
Free debt help is always available
If you're worried about debt, free and independent help is available. You can speak to:
We consider all credit histories
Our panel includes lenders who specialise in helping people with less-than-perfect credit. Past issues don't automatically disqualify you — getting a quote won't affect your credit score.
Learn before you borrow
Practical, plain-English guides written by real people — not an algorithm.
How Much Can I Borrow? UK Loan Amount Limits Explained
How lenders decide your borrowing limit: income, credit history, affordability checks, and what affects the loan amount you could be offered.
How a Loan Broker Finds You a Loan: The Full Process
How a loan broker matches you with lenders: the soft search process, what happens behind the scenes, and why one application reaches 30+ FCA-regulated lenders.
Borrow £500 UK: How to Get a £500 Loan
Need to borrow £500? How £500 loans work, what they cost, what you need to apply, and how a broker helps you compare lenders without damaging your credit score.
£2,000 Loan UK: How to Borrow £2,000
How to borrow £2,000 in the UK: your options, what it costs, and how a broker helps you compare lenders.
What Documents Do I Need to Apply for a Loan? A Complete UK Checklist
A practical checklist of the documents UK lenders typically ask for when you apply — proof of ID, address, and income.
How Long Does a Loan Take? UK Approval Times and Payout Speeds
Realistic approval times, same-day payout speeds, and what affects how quickly money reaches your account.
See all guides →
Browse our full library of over 60 free, plain-English money guides.
Ready to find your quote?
Free, no obligation, takes about 2 minutes. Search 30+ FCA-regulated lenders now.
Get my free quote →