Easy Loans

£100 to £5,000, same day payout*

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk. Boutell.co.uk is a broker, not a lender, and does not make credit decisions.

Representative Example: Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

*Boutell does not perform a credit check on any of our applicants however lenders will determine if you're eligible for a loan via a soft search. If you accept the loan offer a hard search is performed.


Where to Find the Best Quick and Easy Loans

If you need money and are looking for an easy loan it is likely that you do not want to do lots of research to find it. People would normally tend to be recommended to think about all the features they want in a loan and then match that up to a loan that exists so that they can get the best one for them. However, this does have problems. It could be that you have no idea what you want, perhaps because you have never had a loan before. It could also be that you do not have the time to do this because you need the money really quickly. Alternatively, you may just not feel that you can understand all of the terms of the different loans and so you just want easy loans without any hassle. There are various places that you can buy loans from and so even if you want something really easy, you need to know where the best place will be to find the loan that you want.

How much would you like to borrow?

Representative Example: Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

  • Specific Lenders – One way of getting unsecured loans is just to approach a lender directly. There are many lenders available to choose from and you could just pick one that you know about and see whether you can borrow the amount of money you need and just go for it. You might pick a lender you have seen advertised or one that you find on a search engine randomly. This will be a way to get the easy loan that you need but you could find that you will not get the cheapest, best value for money loan this way and so it is possible that you will regret your decision. You could of course, take some time to compare the different lenders that you come across to check out their cost, repayment terms and reputation, but doing this for every lender that you come across could be extremely time consuming. It will also not be that easy and so you may not be keen on trying it. There are other ways which could be just as quick but there is a better chance of you ending up with a loan which is more suitable for your needs.
  • Comparison Websites – Comparison websites will compare loans on cost. They are simple to use as you just enter how much you wish to borrow and how long for and they will suggest suitable loans for you. You will be able to see the costs of the different loans and this will allow you to decide which will be the best. If cost is all you are concerned about then you can just go for the cheapest. It will be a quick way to pick and to find the cheapest lender from the ones that they compare. It is worth noting though that comparison websites make money through the leads that they generate. This means that they are much more likely to suggest lenders that pay them well. Therefore, there could be lenders which have much cheaper loans which are just not included on comparison websites because the website owners do not want to bother with them. You could therefore find that there are cheaper lenders to be found elsewhere. It is also worth considering that cost may not be the only feature that you should compare loans on. You might want to check out whether you can afford the repayments, how long it lasts and what the lender is like and these things are not compared on the comparison websites.
  • Review Websites – A review website might take more than price into consideration. This means that if you want a lender with a good reputation or a loan that offers good value for money then you will be more likely to find it recommended on a site like this. It is important though to make sure that you read the reviews and understand why certain loans might have been rated above others. This is because you might have different likes and dislikes with regards to loans compared with what you might have and so you may not agree with their ratings. You may even find that they rate them but d not explain why they feel it is better than another and this is of no use at all. These sites may also earn commission determined by their recommendations so they may be biased, which means that those with a scoring system and no proper reasoning could just be rating the ones that give them the most commission the highest.
  • Credit Brokers – Credit brokers such as Boutell can help you with getting a loan. They will take your details and then match you to a lender. This can be extremely speedy and will save you having to do any research yourself. They can be extremely handy for easy loans as most of the work will be done for you, you will just have to think about how much you want to borrow and they will do everything else for you. This can be quick and easy so if you have concerns about how you might find a loan or compare it and you are worried about the paperwork and things like this, then this could be an ideal solution for you.

Best quick and easy loans

Things to Consider

These are just some examples of how you can approach applying for small loans. It is a good idea to spend a little time making sure that you are choosing the right option for you. You need to think hard about whether this approach will work for you. It might be wise to be a bit more involved in the process to make sure that you will be getting the very best loan for you. Of course, you might be worried that you want something really easy and quick. However, if you do not spend a bit of time thinking about what you want, then you may regret it.

It could be wise to just spend a little longer considering it and thinking about issues such as the cost of the loan, value for money, how easy you will find it to manage the repayments and other features of the lender. If you consider these things then you are much more likely to have a really positive experience when you borrow money and this is important as you do not want to get stressed about your loan and there is no need to if you choose the right one.

Getting Help

As well as getting help from credit brokers and possibly financial advisors it can be wise to speak to friends and family and see if they will be able to give you any guidance. They may have borrowed money themselves and should then be able to let you know what their experience was like. It is good to find out whether there is anything that they might have done differently if they borrowed again in the future and whether they are happy to recommend their lender or not. It can be extremely useful to do this because you can find out all sorts of valuable information about borrowing and use it to your advantage so that you are able to borrow money without making mistakes that others may have made. The best thing about speaking to people that know you is that they will want to help you. They will not be biased towards a particular lender because they will gain financially from them in the way that people on websites might and they will want to genuinely help you to make the right decision.

How We Compare

  • Boutell
    Why Use Us?
  • How much can I borrow?
    £100 - £5000
    No hidden fees
  • Over how long?
    1 - 36 months
    Flexible repayments
  • Can I apply with bad credit?
    Quick decision
  • How do I apply?
    Online fully SSL secured
  • When can I apply?
    Even on bank holidays
apply now!


So there are a lot of places that you can go to in order to get short term loans even with bad credit. However, it is really important that you do take a bit of time to think about where the place is to get them. Thee are some obvious ideas, but also less obvious ways that you can fine the perfect loan for you. It can be wise to also make sure that you get some help with your decision and there will be others that have taken out easy loans and will be able to pass on their expertise. This may take a while, but it should not take too long and it will mean that you are more likely to get the best loan for your needs. It is worth doing this because it could save you money or mean that your borrowing experience is significantly better than it might otherwise be. Finding the best easy loan for you can make a big difference and you could end up saving money, time and having much better customer service if you take the time to do a bit of research first.

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