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£ 100

£ 10000

For how long? months

3 month

36 months

Representative 49.9% APR.
Representative example: Amount of credit: £750 for 12 months at £77.29 per month.
Total amount repayable is £927.48.
Interest charged is £177.48, interest rate 49.9% pa (variable).

Rates from 11.8% APR to 1575% APR – your Free, No obligation quote and APR will be based on your personal circumstances, and Finance is subject to availability and status. Authorised and regulated by the Financial Conduct Authority.
We are a fully regulated and authorised credit broker and not a lender.

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Personal Loans

What are Personal Loans? 

Work life balance can be hard enough at the best of times and when your committing to the weekly grindstone its small wonder that you might be one of the thousands of Britons living for the weekend. It’s a chance to put your feet up, relax, maybe go for a stroll or enjoy the sun and a family barbecue.

However, it’s not always so idealistic when your home isn’t your haven. Second hand furnishings, rickety and falling to bits can have a bit of a dampener on one’s ability to kick back and relax – especially when repairs and decorating come with such a high price tag. The same can also be said of the garden, as, after all, how can you enjoy a delightful barbecue if you have no barbecue or patio furnishings to speak off?

And whilst home renovations and new throw pillows sound like a laughable luxury if you’re on a tighter budget then you’d like to be, or if your savings are lacklustre to say the least, it doesn’t have to be the niggling headache that it often is. Many of us despair to watch renovation documentaries or even let friends come to our houses because, frankly, we aren’t keeping up with the Joneses. But it doesn’t have to be that way.

With a personal loan, you can have your cake and eat it. With offers being made for many reasons; such as financing a new car, celebrations and wedding planning and yes, giving the house and garden a much-needed face lift!


What to do before apply for personal loans

But before you apply for short term loans, payday loans or Personal Loans however, here are a few things to consider;

First and foremost – can you afford a cash loan? Before even getting excited and booking a week of work for your own extreme home makeover renovations, consider these factors. How much would you ideally need to borrow versus how much you can realistically, reliably and comfortably afford to repay. Now grab a piece of paper and work those figures out.

For example, your budget for your personal projects will need to consider all aspects of it, so it makes sense to sit down and write up a step by step goal list, including all the materials you will need, delivery charges and all those niggling, unexpected things like replacing your paintbrushes and wallpaper scrapers.

Next do the same things but with your monthly budget, including all your income (for most people this is usually just a job, but can include investments and personal businesses) and all your out goings (rent, bills, fuel, food etc.) plus a little buffer for those unexpected expenses (washing machine repairs and so forth). Now compare those two figures to see how much money you have left over in your monthly budget.

And finally, go to and make sure that the amount that you need to borrow for your project doubled and divided by how many months you would like to borrow for (this is usually in years) fits well within the amount remaining in your personal budget. Whilst this will mean you have overshot vastly on the probable interest you will pay; it does mean that you can ensure a comfortable repayment plan that will keep you up to date and out of debt at all times for that personal loan you need.


Get a personal loan with Pounds4U.

Recent news stories have shown that not all online direct lenders are the same. So, when considering quick loans online, it is important to choose a reliable service such as Pounds4U.

Pounds4U will simplify the whole experience for you. It will put most of the UK top lenders, (good and bad credit loans) into one easy and fast solution.


How Pounds4U is different

At Pounds4U we understand that cash loans emergencies happen every day, and you could find yourself in need of some urgent additional cash for a few months.

Personal loans, short term loans, Payday loans, and bad credit loans Pounds4u can help you with. We strive to provide a free, no obligation quote service in the most secured and efficient way to help our client s get back on their feet.  

Furthermore, Pounds4U only works with UK payday lenders that are regulated by the Financial Conduct Authority (FCA). 

It comes as no surprise that Pounds4U has processed over 700,000 loan applications and received many positive customer reviews. Many of our customers returned to us time and again.  

To find out if you qualify for a payday loan, simply fill out our quick and easy online application form and leave the rest up to us.

 Always remember that late repayment can cause you serious money problems. For help, go to

Why to choose

  • Borrow between £100 - 10000
  • We search the market for you
  • Totally Free service!
  • 100% Secured UK Site
  • No Obligation Quote
  • Leading Loan Broker
  • Your data is secure
  • One Simple Form
  • Same day Cash*
  • No hidden costs
  • No Paperwork
  • Open 24/7
Get a quote now

Please like our page!​

Excellent service. The application was processed immediately... like 50 seconds and found me a loan. Thank you... I would recommend when in need of assistance....​
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Alen Barker
London Cab Driver
Great response to my application, quick and easy straightforward process, great service all the way.
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Maria Zubek
Nurse, Manchester

How Cash Loans Online Work?

Apply Online

Simply fill out our secured user friendly online form

Finding your Loan

Our High-Tech will process your application and will look to locate the right loan for you and your circumstances.

Get Cash

Once you are approved, you will be directed to your special lender to finish the process.

Why Pounds4U ?

Our mission

Our mission is to help and protect all consumers when they are in need of a Short Term Loan online in the UK.
We offer a state of the art quick technological solution to help you getting a short term loan online, easily, securely, and Totally Free with no obligation and no commission.


Our advanced state of the art technology allows us to get all the lenders* in to our platform making the customer in the front therefore, the top lenders compete to lend you the money you need.

Transparent service

Pounds4U provide fully transparent service to find you the best** responsible and trusted lender with the cheapest interest rate (APR) possible and terms according to your own special circumstances.


It doesn’t matter if you have bad credit or poor credit, at all credit types are considered. We will use our innovative technology to find you a suitable solution quickly with an user friendly easy form.

Pounds4U is fully registered with the ICO and regulated by the UK Financial Conduct Authority (FCA).

* Carefully  Selected and FCA Approved  panel of lenders.
**  According to the amount you want to borrow, and your ability to repay the loan among other factors. 

Who can apply?

To be eligible to get a loan, you need to:

Be a Legal UK resident 


Be 18 years of age or older


Have a valid UK bank account, working phone and email


Have a regular source of income (min £700 per month)