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Finally, something worth smiling about

Borrow up to £5000 3 within 24 hours¹ even with bad credit.


What can a short term loan do for you today?


We find diverse types of loans, lenders who specialise in all credit histories


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 £500 and £5000 3
  • 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.

Could errors on your credit report have affected your application?

Get your credit report and score put right now.

Errors or out-of-date information on your Credit Report can negatively affect your application.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 30 day trial from our partners at Credit Angel, and give yourself the best chance of obtaining a loan. Cancel at any time.

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Short Term Loans From Moolr

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

Moolr finds online installment loans from £500 to £5000 3, with flexible repayment options, from 12 to 24 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 installment loans?

Installment 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 cash loan, and usually more. Depending on the lender that accepts your application, we are able to offer 12 month loans, 18 month loans, and 24 month loans, to suit any budget.

The main purpose of installment loans is offer you access to higher values of cash loans, and longer repayment periods, to suit all budgets. The often flexible nature of installment 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 installment 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.

Installment 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. We work with lenders who specialise in loans for bad credit histories, whether the option is an installment loan, or a payday loan.

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 quick 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 cash loan matching service is, and always will be 100% FREE. We will automatically redirect you to the lender's website that has your quick 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.

Bad Credit Loan options and associated APRs vary from lender to lender.

Collection policies

Once you have agreed and finalised your cash 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 cash 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.

Representative example: Amount of credit £1,800 for 24 months. Interest rate: 71.3% pa (fixed). 24 scheduled monthly payments of £142.65. Total amount payable: £3,423.67. Representative 99.9% APR. Rates from 35.9% APR - 99.9% APR fixed.