How It Works – Short Term Loan Market Search

Moolr offers a quick, easy, and FREE* way of finding a loan from a vast network of lenders.

With Moolr you can receive an online, no obligation loan offer even if you have a less than perfect credit history. Save time applying on different websites, by letting us do the hard work for you.

Moolr finds online short term installment loans from £500 to £5000, with repayment terms ranging from 1 to 24 months 3. Many of the lenders we work with are able to clear the funds in to your chosen bank account the same day, although transfer times can vary. Our process is quick, simple, and fair.

Our 3 Step Application Process

Our No Obligation Quote Service Is Available 24/7

1. Complete The 2 Minute Form

We only ask for information that is essential for a lender to make their decision – as if you were applying directly on their site. Sensitive data is stored in an encrypted, secure database, and takes little time to fill in.

2. Transfer To Lender’s Website

We aim to process applications within 2 minutes, but don’t worry if it takes longer – we’ll get there in the end! Once a lender is happy to offer you a loan, we will redirect you straight to their website, where you will have the ability to accept or reject their offer.

3. Review Your Loan Agreement

If you are happy with the offer that you see on the lender’s website, and are happy with the terms (please read them carefully), then simply finalise the loan application on the lender’s site, and await the funds. At this point, you cease a relationship with Moolr, but are free to come back to find an alternative lender.

Do I Qualify?

In order to give yourself the best chance of being accepted for a loan through Moolr, you must:


Age restrictions on lending largely comes down to repayments and laws surrounding actions available to minors. Should a loan not be repaid, the eventual route is to seek legal action against the person borrowing the money. This is not legally possible in the event that the person is a minor.


You must reside in the country you are borrowing from. This is because of local laws and restrictions, and again, largely comes down to protecting the lender in the event of non-payment. Accessibility to the borrower must be easy and legal, and living abroad would go against this.


You do not necessarily have to employed to obtain a loan, but rather have an income. This could be in the form of disability benefits or pension income. This is essential, as obviously without some form of income, you would not be able to repay your loan. We work with specialist bad credit loan lenders.


The income you receive should be transferred directly into your bank account. This gives the loan provider the comfort that there will be money available for repayments each month. It also shows stability and accountability to the lender.


A debit card is used simply as proof of identity, but also shows that there is means to remove funds from your bank account. This is important for tracability of a customer, and to show the loan provider that repayment can be made.

Representative example: Amount of credit £1,500 for 2 years. Interest rate: 71.3% pa (fixed). 24 scheduled monthly payments of £118.88. Total amount repayable: £2,853.12. Representative APR 99.9%.

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