Warning: late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.
Warning: late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.
Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from lenders when you take out a loan through us. The amount we're paid may vary depending on the lender and the product. You can ask us for more information about the commission we receive.
Life doesn't always move in perfect rhythm - sometimes things come faster than expected. At Loans Pulse, we're here to help you steady the beat, with short term loans that bring clarity and calm when you need them most.
Complete our online application form. It only takes a few minutes.
We'll search our panel of lenders to find a loan offer for you.
If you're happy with your quote you could have your money the same day*.
Amount of money borrowed
Total loan term
Total repayable loan amount
Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from lenders when you take out a loan through us. The amount we're paid may vary depending on the lender and the product. You can ask us for more information about the commission we receive.
We recommend reading through the eligibility checklist before applying with Loans Pulse.
You must be at least 18 years of age
You must be a UK resident living in the UK
You must have a valid UK bank account
You must be employed and receive a regular income
You must have a valid UK address
You must be able to repay the loan
A selection of questions and support topics from our customers.
You can apply for a loan 24 hours a day 7 days a week. Most lenders work 7 days a week and can even deposit funds into your bank account on the weekend.
We are a free online credit brokerage. We DO NOT charge our customers a fee for this service. No one from Loans Pulse or any financial partner relations; including lenders; will ever contact you and request you to send money to them or buy products from them in advance of receiving your loan.
To learn more about dealing with cold-calls, refer back to our fraud protection guidance.
Loans Pulse is a broker and not a lender. We introduce you to one of our lender or broker partners to see if they are able to provide you with a loan. If you are matched successfully with one of our panel then you will be able to enter into a borrowing agreement with that specific lender/broker. Please be sure to consider all of the information provided to you by any lender or broker before deciding to take out a loan. In particular you should read the lender's website and loan documents to help you decide whether the loan is appropriate for your circumstances.
Yes, most of our lenders will work with people who don't have perfect credit. Most of our customers are people who can't get regular loans from a bank. The lenders we deal with tend to have higher APR than the general mainstream banks, however when you take a loan you can't be charged more than 0.8% per day in line with the FCA rules, so the quicker you pay off your loan the less interest it will cost you.
If we are unable to find you a loan you should not be offended as this means that the lenders are acting responsibly and it may be that you need to take alternative steps to address your current financial situation.
If you are in any doubt as to whether a loan is suitable for you, you should contact the Citizens Advice Bureau or Money Helper - free, impartial advice services which can help and support you.
Most of our customers are people who can't get regular loans from a bank. The lenders we deal with tend to have higher APR than the general mainstream banks, however when you take a loan you can't be charged more than 0.8% per day in line with the FCA rules, so the quicker you pay off your loan the less interest it will cost you.
Since short-term loans are usually paid back in a shorter amount of time, the APR is not the best way to compare our rates to those of other lenders. The sum amount you pay back is more important to our lenders than the APR. APRs for longer term loans tend to be cheaper because the loan payments are spread out over a longer period of time.
We don't work with every UK lender, so you might find a cheaper loan somewhere else.
Please try not to panic. Lenders are equipped to deal with these situations. If you think you are going to have a problem with your repayments you should contact your lender as soon as possible. The sooner they know there's a problem, the sooner they can start to help.
If you're worried about things and want more help and information, there are a number of free and independent organisations which can help.
If you need help finding your lenders contact details please contact us.
Our service is entirely online so we can provide support via email.
If you have questions regarding an existing loan we recommend contacting your lender directly.
We believe in lending that understands your pace. Loans Pulse moves with you - responsive, supportive, and always in tune with your financial heartbeat.
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