Finally, something worth smiling about

Borrow up to £5000 within 24 hours¹ even with bad credit.

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What can a short term loan found through Moolr do for you today?

We find diverse types of loans, and specialise with bad credit lenders

Please remember that late repayment may affect your credit rating

You should not use bad credit loans to manage existing debt

You are under no obligation to commit after we find a loan option

Our 3 Step Application Process

Our No Obligation Quote Service Is Available 24/7

1. Complete The 2 Minute Form

2. We Will Find You A Lender Offer

3. Review Your Loan Agreement 2




Moolr™ offer a no obligation, short term loan market search. Little loans, big help

  • Borrow between £100 and £5,000
  • 100% FREE, no obligation application
  • Complete one simple, quick online form
  • No paperwork required
  • Compare loans instantly
  • No hidden fees or costs
  • 2048 bit secure encryption
Before applying for a short term loan, please check your finances to ensure that you will be able to meet your repayments. If you are struggling then a bad credit loan may not be right for you.

Why not check your credit report before applying?

If you are worried your credit history will affect your application, then try a FREE 14 day trial with the credit report service from our partners at UK Credit Ratings

Errors or out-of-date information on your Credit Report can negatively affect your application. Ensure your report is accurate and dispute any errors! Sign up today for your FREE trial, and give yourself the best chance of obtaining a loan.


Get your rating in 60 seconds and you decide whether or not to proceed to application

Short & Medium Term Loans From Moolr

Moolr provides you with a no obligation loan quote. We work with many lenders that cater for all credit histories - good and bad.

Moolr finds online installment loans from £100 to £5000, with flexible repayment options, from 1 to 60 months. Many of the lenders we work with are able to provide you with the funds within as little as 15 minutes, although transfer times can vary. Our straightforward application form is simple and fair, and will provide you with a loan option in just a couple of minutes.

What are instalment loans?

Instalment loans are repaid over a period of time, with multiple repayment options, and not just one. Usually, at least two repayments are made in order to pay off the loan, and usually more. Depending on the lender, the duration of the loan can be anything from 3 to 60 months for unsecured loans.

The main purpose of instalment loans is to offer you access to higher values of loans, and longer repayment periods, to suit all budgets. The often flexible nature of instalment loans puts you in control - you decide whether your circumstances would suit a shorter loan term, with larger repayments, or smaller payments over a longer period of time.

What are the differences between a payday loan and an instalment loan?

Payday loans are only suitable for certain situations, as the short repayment period (usually just 30 days) attracts a higher APR (annual percentage rate) on interest.

Instalment loans offer a lower interest rate than payday loans. The repayments are spread over a longer period of time - determined at the point of the loan offer.

About us

Moolr is a licensed credit broker, and not a lender. This is great news for our customers, as we are able to find a provisional loan offer from our vast network of reputable lenders, in just minutes. We will not perform credit decisions on behalf of our lenders, and nor do we associate or favour any given lender - meaning your application is fair, and realistic.

Our loan matching service is, and always will be 100% FREE. We will automatically redirect you to the lender's website that has your loan offer, making the process even simpler for you. If you agree to their terms, you simply click the button to finalise your loan on the lender's website. If you don't agree to the terms, you can simply walk away, and you are free to try our service again, to find an alternative lender.

Loan options and associated APRs vary from lender to lender.

Collection policies

Once you have agreed and finalised your loan option from the lender's website, you will receive funds directly in to your given bank account. If for any reason you feel that you will struggle to make any repayments, then you must get in touch with your loan provider as soon as possible. In most cases, arrangements can be made to help you - it is always best to deal with the issue.

In the event of non-payment, should you choose to not contact your lender, they do have a legal right to pass your details on to third party debt collections agencies, in order to recover the debt.

Lenders also have a right to utilise a Continuous Payment Authority. This allows them to continue to attempt to recover missed repayments up to 90 days after the due date. This will be outlined in the lender's terms and conditions, so please check these when we redirect you to your lender's offer page.